Financial clarity through structured planning
We started zyranthimor in 2019 after watching too many people struggle with financial planning that felt disconnected from their actual lives. The industry kept pushing complex products when most people just needed clear frameworks and genuine guidance.
Built from real conversations, not boardroom theory
The idea came from a series of coffee meetings in early 2018. Three friends sitting around talking about why financial advice felt so inaccessible. Everyone we knew had goals but no real pathway to achieve them.
What struck us most was how people would freeze when discussing money. Not because they lacked intelligence, but because the information they received was either too simplistic or overwhelmingly complex. There was no middle ground.
So we spent a year developing educational frameworks that actually matched how people think about their financial futures. We tested content with friends, family, and eventually small groups across NSW. The feedback shaped everything we built.
How we approach financial education
Three principles guide everything we create. They're not revolutionary, but they work because they respect how people actually learn and make decisions.
Context before content
We always start with your current situation. Generic advice fails because it ignores where you're actually starting from. Understanding your context shapes the entire learning pathway.
Progressive complexity
Information builds gradually. Week one doesn't look like week twelve. You learn foundational concepts before moving into nuanced strategy, creating genuine comprehension rather than surface awareness.
Real scenario practice
Theory matters less than application. Our programs include practical exercises based on actual financial situations people face. You work through scenarios that mirror real decision points.
Who's behind this
Callum Fothergill
Founder and Lead Educator
I spent eight years working in financial services before realizing most educational content was designed to sell products rather than build understanding. That disconnect bothered me enough to start something different.
My background includes portfolio analysis and risk assessment, but what matters more is the hundreds of hours I've spent listening to people explain their financial worries. Those conversations inform how we structure every learning module.
Outside of zyranthimor, I spend time hiking around the Coffs Coast and reading way too many books about behavioral economics. Both activities probably influence the work more than I realize.
Transparency in limitations
We're upfront about what our programs can and cannot do. Financial education provides frameworks and knowledge, but outcomes depend on individual circumstances and consistent application.
Iterative improvement
Every program gets updated based on participant feedback. When something doesn't land well or creates confusion, we revise it. Content from 2023 looks different than what we're creating in 2025.
What we're building toward
The goal isn't to become the biggest financial education provider. It's to create resources that actually help people make informed decisions without feeling overwhelmed or manipulated.
We're expanding our program offerings throughout 2025 and into 2026, with new modules focusing on specific life transitions like career changes, property decisions, and retirement planning.
- Developing advanced modules for September 2025 launch
- Creating specialized content for different age groups and situations
- Building a resource library based on commonly asked questions
- Testing new delivery formats that fit different learning preferences