Building Financial Stability One Decision at a Time
Since 2018, we've helped Canadians create budgets that actually work for their lives. Not templates. Not one-size-fits-all spreadsheets. Real plans built around how you earn, spend, and save.
Why We Started talivorani
Most budgeting advice assumes everyone's financial situation looks the same. You know what I mean—save 20% of your income, cut out coffee, follow the 50-30-20 rule. But that doesn't help when your income fluctuates, when you're managing student debt alongside retirement savings, or when you're trying to balance today's needs with goals five years down the road.
We built talivorani because we kept meeting people who were earning decent money but couldn't seem to get ahead. They'd tried apps, read books, followed gurus on social media. Nothing stuck because nothing fit their actual situation.
So we asked a different question: What if budgeting started with understanding someone's real financial patterns first? What they earn month to month. What expenses actually can't be cut. What matters enough to them that they'll stick with a plan.
What Guides Our Work
These aren't corporate values printed on a wall somewhere. They're the principles that shape every budget plan we create and every conversation we have with clients.
Honest Numbers
We look at what's actually happening in your accounts, not what a textbook says should happen. Your real spending patterns matter more than theoretical percentages.
Long-Term Thinking
Quick fixes don't work. We build plans that account for life changes, income shifts, and goals that take years to reach. Sustainable beats aggressive every time.
No Judgment Zone
Everyone's made financial decisions they regret. We start from where you are now, not where you wish you'd been five years ago. Forward progress is what counts.
How We Got Here
talivorani didn't start as a business idea. It started with one family's budget that actually worked, then another, then a small workshop that filled up faster than expected.
The First Budget That Stuck
Started helping friends create budgets that accounted for irregular income and real expenses. Turns out a lot of people have the same problem—they earn enough but can't figure out where it goes. Word spread through a tight network of referrals.
Adapting to Uncertainty
When incomes became unpredictable for so many people, our flexible budgeting approach suddenly mattered more. We helped clients rebuild their financial plans around variable income, which became our specialty.
Opening Sudbury Office
Established our permanent location on Stephen Street. Face-to-face conversations still matter when you're talking about money, stress, and goals. Having a physical space where clients feel comfortable sharing their real situation made a difference.
Focus on Education
We're spending more time teaching people how to maintain their own budgets. The goal isn't to create dependency—it's to give you tools that work beyond our sessions. We're planning workshops for fall 2025 that focus on practical skills you can use immediately.
Who You'll Work With
We're a small team because personalized financial planning doesn't scale well. You'll work directly with people who understand Canadian tax implications, regional cost variations, and how to build budgets that actually fit your life.
Callum Davenport
Financial Planning DirectorBefore talivorani, I spent years watching people struggle with budgets that looked good on paper but fell apart in real life. I got tired of the gap between textbook advice and actual results.
Our Approach to Client Work
You won't get a standardized plan with your name filled in. Every budget we create starts with understanding your income patterns, your fixed costs, and what financial goals matter enough to you that you'll actually follow through.
We typically work with clients over several months, not just one session. Building a budget that works takes iteration. What looks reasonable in January might need adjustment by March. That's normal, and we account for it.
Most of our clients come through referrals. People who've actually used our services and seen their financial stress decrease. That's the reputation we've built, and it's the one we protect by doing thorough, honest work.
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