Built on Real Experience, Not Quick Fixes

We started kerinovaly because we saw too many people trapped in debt cycles they didn't fully understand. Our approach isn't about overnight miracles—it's about practical strategies that actually work when you need them most.

Financial planning workspace with documents and calculations
Client consultation discussing recovery options
Strategy development session for debt management
Progress tracking and financial milestone review

How We Got Here

Back in 2019, I watched a friend lose their business because they couldn't navigate their debt situation. The advice they got was either too generic or too expensive. That stuck with me.

By early 2022, after years of working in financial services, I'd seen the same pattern repeat. Good people making reasonable decisions that somehow snowballed. The problem wasn't laziness or ignorance—it was that the system doesn't really explain itself until you're already in trouble.

So we built kerinovaly differently. Instead of fancy algorithms or automated responses, we focus on understanding your actual situation. What got you here matters less than figuring out what comes next. And honestly, most recovery paths are simpler than you'd think once someone takes time to map them out properly.

Our Three-Stage Recovery Framework

We developed this over five years of real client work. It's not revolutionary, but it works because it's based on how financial recovery actually happens—not how we wish it happened.

1

Assessment Without Judgment

First month, we just listen and map everything out. Your income patterns, spending reality, debt structure, and what's actually negotiable. No shame, no lectures—just facts on paper. Most people tell us this is the first time someone's helped them see the full picture clearly.

2

Strategy That Fits Your Life

Months two through four, we build your specific plan. Not a template—your plan. Some people need aggressive debt consolidation, others need breathing room to rebuild income first. We've learned that rushing this phase always backfires. Better to get it right than get it fast.

3

Implementation With Checkpoints

The rest is execution and adjustment. We meet every three weeks initially, then monthly as things stabilize. Markets change, life changes, so strategies need to adapt. By month eight or nine, most clients have momentum and don't need us hovering anymore.

Who You'll Actually Work With

Small team, real people. We keep it that way deliberately because this work requires genuine attention, not scalable solutions.

Callum Henriksen, Lead Financial Strategist

Callum Henriksen

Lead Financial Strategist

Fifteen years in debt restructuring, mostly with mid-sized businesses before switching to individual clients in 2020. Straightforward communicator who won't sugarcoat your situation but also won't make it sound worse than it is. Originally from Perth, relocated to Sydney in 2023.

Isolde Verbeck, Client Recovery Specialist

Isolde Verbeck

Client Recovery Specialist

Background in social work before transitioning to financial services. Specializes in working with clients who've tried other solutions without success. Patient, methodical, good at spotting patterns others miss. Joined kerinovaly in early 2023 after working with community finance programs.

Ready to Map Your Way Forward?

Initial consultations typically run 60 minutes. We'll look at your situation honestly and tell you whether we're a good fit. If we're not, we'll point you toward someone who might be.

Schedule a Consultation