We Help You Build Financial Confidence
Since starting in 2019, we've worked with Australians who wanted straightforward advice about savings. Not complicated investment schemes or aggressive selling tactics—just clear conversations about building better financial habits that actually stick.
Started From a Kitchen Table
Back in 2019, Harlow Kincaid was helping friends understand their super contributions over weekend coffees. What began as casual chats turned into something bigger when people kept asking for more help.
There wasn't a grand business plan. Just a realization that many Australians felt overwhelmed by financial jargon and needed someone to translate the confusing bits into plain English. So moraviquetra started—not in a fancy office, but at a kitchen table in Geelong.
We've grown since then, but the approach hasn't changed much. We still believe financial planning shouldn't feel like you need a university degree to understand it.
What We Actually Care About
These aren't corporate buzzwords we pulled from a template. They're principles that guide how we work with clients every day.
Plain Language
We don't hide behind financial terminology. If something sounds confusing, we'll explain it differently until it makes sense.
Realistic Goals
We won't promise you'll retire at 40. Instead, we'll help you figure out what's achievable based on your actual situation.
No Pressure
You won't get aggressive sales calls or pushy follow-ups. We're here when you need us, not when we need to hit monthly targets.
Meet Two People on Our Team
We're a small group in Geelong. Here are a couple of the people you might chat with if you reach out.
Harlow Kincaid
Founder
Started moraviquetra after years of explaining finance to confused friends. Still drinks too much coffee and still thinks financial planning should be accessible to everyone.
Saffron Westwood
Savings Advisor
Joined us in 2022 after working at a big bank where she spent more time hitting sales targets than actually helping people. She prefers our approach.
How We Work With Clients
There's no secret formula here. Just a straightforward process that's worked well for the past six years.
Initial Chat (Free)
We'll have a 30-minute conversation to understand what you're trying to achieve. Sometimes people realize they don't actually need our help, and that's completely fine.
Review Your Situation
We'll look at your current savings, expenses, and goals. This isn't about judging past decisions—it's about figuring out where you are now so we can plan forward.
Create a Plan Together
We'll suggest options based on your situation. You decide what works for you. Some clients implement everything immediately, others take months to think it through. Both approaches are valid.
Ongoing Support
Life changes and plans need adjusting. We're available for check-ins when you need them—whether that's monthly or once a year depends entirely on what suits you.