zelpharivano

Practical Financial Education for Real Life

Start Your Financial Education Journey in 2026

Programs starting throughout the year — find the right time to build your money knowledge.

We're running several courses in 2026, each designed around real financial questions people face. Whether you're sorting out a budget, trying to understand super, or figuring out what to do with savings — there's a program coming up that matches where you're at right now.

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2026 Course Calendar

All programs run for 8-10 weeks with weekend sessions. We keep groups small so there's actually time to ask your questions and work through examples that matter to you.

Person reviewing financial documents and planning budget Feb 2026

Personal Finance Foundations

The stuff you wish someone had explained years ago. Budgeting that actually works, debt without the stress, and building an emergency fund that makes sense for your life.

  • Duration: 8 weeks
  • Schedule: Saturday mornings
  • Starts: February 8, 2026
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Investment planning and financial growth strategy session May 2026

Investment Basics for Real People

Investing doesn't have to be complicated or intimidating. We'll break down shares, funds, property, and super in plain language so you can make informed choices.

  • Duration: 10 weeks
  • Schedule: Sunday afternoons
  • Starts: May 17, 2026
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Small business financial planning and bookkeeping essentials Aug 2026

Money Skills for Small Business

Running a small business means juggling cash flow, tax, and planning. This course covers the financial side in a practical way that fits how small businesses actually operate.

  • Duration: 9 weeks
  • Schedule: Saturday afternoons
  • Starts: August 22, 2026
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Retirement planning and superannuation strategy session Oct 2026

Planning for Retirement

Understanding super, knowing what you'll need, and figuring out how to get there. We'll also look at age pension rules and how different income sources work in retirement.

  • Duration: 8 weeks
  • Schedule: Sunday mornings
  • Starts: October 11, 2026
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How Our Programs Work

Each course follows a similar structure, but the content changes based on what we're covering. Here's what the journey typically looks like.

1
Before Week 1

Getting Started

You'll get access to some intro materials and a short survey about what you want to learn. This helps us tailor examples and discussions to what the group actually needs.

2
Weeks 1-3

Building the Foundation

We start with the core concepts and terminology. No assumptions about what you already know — just clear explanations with plenty of chances to ask questions.

3
Weeks 4-6

Practical Application

Now we work through real scenarios. You'll practice the skills with worksheets, calculators, and case studies based on actual situations people face.

4
Weeks 7-8

Personal Planning

Time to apply everything to your own situation. Build your plan, get feedback, and leave with something you can actually use moving forward.

5
After Completion

Ongoing Support

You'll have access to course materials for 12 months, plus you're welcome at our quarterly check-in sessions where past participants share updates and ask follow-up questions.

Who'll Be Teaching

Our instructors work in finance but spend their weekends helping regular people understand money better. They're good at explaining things without the jargon.

Henrik Lindqvist finance instructor

Henrik Lindqvist

Investment Educator

Henrik spent 15 years as a financial planner before switching to education. He's taught investment courses since 2019 and has a knack for making market concepts make sense.

Siobhan Calloway finance instructor

Siobhan Calloway

Personal Finance Specialist

Siobhan works in banking during the week and teaches budgeting and debt management on weekends. She's honest about her own financial mistakes, which people seem to appreciate.

What Makes These Courses Different

We're not trying to turn you into financial experts. The goal is to help you make informed decisions about your own money with confidence.

Plain Language Approach

Financial terms get explained in everyday language. If something sounds too technical, we'll break it down until it makes sense. Questions are encouraged — that's how people actually learn.

Small Group Format

Classes cap at 18 people so there's room for discussion. You'll hear from others dealing with similar money questions, which often helps more than just listening to an instructor.

Tools You'll Actually Use

Every course includes spreadsheets, calculators, and templates you can keep using. Nothing fancy — just practical tools that help you track, plan, and make decisions.

Ready to Register for 2026?

Spots fill up about 6-8 weeks before each course starts. If you're interested in one of the programs, it's worth reaching out sooner rather than later.

  • 6 Creal Pl, Chisholm ACT 2905, Australia
  • +61756410224
  • info@zelpharivano.com
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Finance education classroom and learning environment