Rebuilding Your Relationship With Money

We started xandorivale because too many people feel stuck in patterns they didn't choose. Money should support your life, not control it.

Team member reviewing financial mindset frameworks during consultation session

Collaborative workspace where money mindset concepts are developed

Our Story

From Personal Struggle to Professional Purpose

Back in 2019, I was sitting across from my accountant, feeling completely lost. Numbers on a spreadsheet, sure. But understanding why I kept making the same financial decisions? That was different.

The breakthrough came when I stopped looking at money as just mathematics. It's psychology. It's family patterns. It's the stories we tell ourselves at three in the morning when we can't sleep.

xandorivale grew from those conversations I kept having with friends and colleagues. People who were financially literate but emotionally stuck. Smart people making decisions that surprised them. That's what we work with now.

What Guides Our Work

These aren't aspirational statements we put on walls. They're the principles that shape every conversation and program we create.

Practical Over Perfect

Real progress beats theoretical perfection. We focus on changes that actually stick in your daily life, not idealized versions of financial discipline that collapse after two weeks.

Pattern Recognition

Your financial behaviors make sense when you understand where they came from. We help you see the connections between past experiences and current choices without judgment.

Individual Context

What works for someone else might not work for you. We adapt our approach based on your specific situation, personality, and the real constraints you're dealing with.

The People Behind xandorivale

We're a small team with varied backgrounds. What connects us is genuine curiosity about why people do what they do with money.

Callum Bridgewater

Behavioral Finance Specialist

Callum spent years in traditional financial planning before realizing most client challenges weren't about asset allocation. He focuses on the emotional patterns that drive spending and saving decisions, drawing from behavioral economics research and his own messy journey with money.

Dashiell Keogh

Mindset Development Coordinator

After working in psychology and debt counseling, Dashiell noticed how often money problems were really relationship problems or self-worth problems dressed up in financial language. He designs programs that address the underlying patterns, not just the symptoms.

How We Got Here

xandorivale evolved through trial, error, and listening to what people actually needed.

2020

Started with conversations

Began informal coaching sessions with friends and former colleagues. Quickly realized the gap between financial education and emotional understanding.

2021

Developed first framework

Created a structured approach combining behavioral finance principles with practical mindset work. Tested with small groups in Sydney and Melbourne.

2023

Expanded team and programs

Brought on specialists with psychology and financial backgrounds. Launched comprehensive programs for different money mindset challenges.

2025

Refining our approach

Continuing to adapt based on client feedback and emerging research. Planning autumn 2025 program expansion with new focus areas.

Client working through personalized money mindset exercises in xandorivale program

How We Work

Beyond Traditional Financial Advice

Most financial education focuses on what to do. We start with why you're doing it. That distinction changes everything.

Our programs help you recognize the automatic patterns you've developed around money. Some came from your family. Others from difficult experiences. Many from cultural messages you absorbed without realizing it.

Once you see these patterns clearly, you can decide which ones still serve you and which ones need updating.

Start with current behaviors, not ideal outcomes
Address emotional patterns alongside practical strategies
Build sustainable changes that fit your actual life
Focus on self-awareness before action plans

Ready to Shift Your Money Mindset?

Our next program begins September 2025. If you're tired of repeating the same financial patterns, we should talk.

Get in Touch