We've Been There
Started in 2018 after watching too many people make avoidable financial mistakes. My brother lost his savings betting on property without understanding the numbers. A close friend retired early, only to realize her super wouldn't stretch nearly as far as she'd hoped.
Those moments stuck with me. So I left corporate advisory to create something different. crenilovaq exists because financial literacy shouldn't be a privilege. It should be accessible, practical, and free from the jargon that makes most people's eyes glaze over.
Seven Years of Real Learning
We're not perfect. Made plenty of mistakes along the way. Our first online course in 2019 was honestly terrible. Too theoretical, too rushed, didn't connect with actual challenges people face when managing their money.
But we listened. Rebuilt from scratch. Spent months interviewing everyday Australians about their financial pain points. The patterns were clear: people aren't looking for get-rich schemes or complex investment strategies. They want to understand their mortgage options, plan for retirement realistically, and stop feeling anxious about money.
Now we focus on what matters. Our programs cover practical topics like salary sacrifice strategies, understanding offset accounts, comparing super funds, and building emergency funds that actually work for your lifestyle.
How We Actually Teach
Financial education shouldn't feel like homework. We break down complex topics into digestible sessions you can fit around work and life.
Real Scenarios Only
Every example comes from actual situations. Whether it's comparing home loan options or understanding franking credits, we use numbers and cases that reflect what you'll encounter in the Australian market.
No hypothetical perfect scenarios. We cover messy real-life situations where the answer isn't always clear-cut.
Self-Paced Structure
Our autumn 2025 program launches in March, giving you six months to complete modules on your schedule. Most participants finish in 3-4 months, spending roughly 2 hours per week.
Access materials for 18 months. Rewatch sessions, revisit calculators, take your time with the complex stuff.
Interactive Tools
Built spreadsheet calculators you can actually use. Compare mortgage scenarios, model retirement outcomes, track spending patterns. Keep them forever, adjust as your situation changes.
Everything's customizable. Plug in your numbers, see instant results, understand the cause and effect.
Ongoing Support Access
Weekly Q&A sessions where you can ask about your specific situation. No question is too basic. If you're confused about negative gearing or offset accounts, just ask.
Private discussion forum where participants share experiences and strategies. Often the best insights come from others in similar situations.
Toivo Lundgren
Education Director
Who Runs This Thing
That's me. Spent twelve years in wealth management before realizing I was helping the wrong people. Not that there's anything wrong with high-net-worth clients, but the knowledge gap among everyday earners bothered me more.
Started crenilovaq with a simple idea: what if we taught financial concepts the way people actually learn? Not through dense PDFs or boring webinars, but through practical examples and interactive tools.
Now I spend my time building programs, running workshops across Queensland, and answering questions about everything from CGT to salary packaging. It's more fulfilling than any six-figure advisory role ever was.
Outside of crenilovaq, I'm probably camping somewhere in the Gold Coast hinterland or attempting to surf poorly at Burleigh. Balance matters, especially when you teach financial wellness.
What Actually Matters to Us
No Conflicted Advice
We don't sell financial products. Never have, never will. No kickbacks from banks, no commissions from fund managers, no referral fees from mortgage brokers. Just education, paid for upfront, with no hidden agenda.
Australian Context Always
Tax rules, super regulations, property markets—it's all specific to Australia. We don't use generic international examples or pretend American strategies work here. Everything's tailored to how things actually work in this country.
Honest About Limits
We're educators, not licensed advisers. Can't tell you exactly what to do with your money. But we can teach you how to evaluate options, understand trade-offs, and make informed decisions yourself.
What You'll Actually Get
Beyond the course materials, here's what makes crenilovaq different from YouTube videos or generic finance blogs.
Current Information
Updated quarterly to reflect tax changes, super rule adjustments, and market shifts. The content you access in August 2025 won't be identical to what's available in March, because the landscape changes.
Practical Resources
Downloadable spreadsheets, checklists, comparison tools. Everything's designed to help you make actual decisions, not just absorb theory.
Realistic Expectations
We won't promise you'll retire early or build wealth quickly. Financial security takes time, discipline, and smart choices. We'll show you how to make those choices consistently.
Ready to Actually Understand Your Finances?
Our next program starts September 2025. Limited spots available to maintain quality interaction and personalized support.
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