Seasonal Financial Planning That Actually Works

We've spent fifteen years figuring out how Australian businesses can thrive through changing seasons. Here's what we've learned — and how we can help you apply it.

How We Got Here

Every good financial planning story starts somewhere. Ours began with a simple observation about Australian business cycles.

2010

The Summer That Changed Everything

Started noticing how our clients' cash flows shifted dramatically with Queensland's tourism seasons. Traditional financial planning wasn't accounting for these predictable patterns. We began tracking seasonal variations across different Australian industries.

2014

First Seasonal Framework

Developed our initial seasonal adjustment methodology after working with 200+ businesses across agriculture, retail, and hospitality. Started seeing 30-40% improvements in cash flow management when businesses planned around predictable seasonal cycles.

2018

Technology Integration

Built custom tools to track seasonal patterns across different Australian markets. Our systems began identifying opportunities that manual planning was missing — like optimal timing for equipment purchases and staff hiring cycles.

2022

Post-Pandemic Evolution

COVID changed everything about seasonal patterns. We spent two years recalibrating our methods, working with clients to navigate unprecedented disruptions while maintaining long-term financial stability.

2025

Looking Forward

Modern financial planning workspace showing seasonal analysis charts

Today we help over 800 Australian businesses plan around seasonal variations. Our next phase involves expanding into climate adaptation planning — because seasonal patterns are shifting, and financial planning needs to evolve with them.

Where Our Clients Are Now

We track long-term outcomes because that's what actually matters. Here's what happened to some businesses we started working with years ago.

Margaret Elwood

Coastal Tourism Operator

Started working with us in 2019 when her Sunshine Coast accommodation business was struggling with winter cash flow gaps. We restructured her finances around seasonal patterns and helped her diversify into corporate retreats.

Three Years Later

Now operates year-round with 60% winter occupancy. Expanded to two properties and employs 12 full-time staff. Most importantly, she sleeps well during off-season months.

Sarah Kowalski

Agricultural Producer

Third-generation wheat farmer dealing with increasing weather volatility and commodity price swings. We worked together to build financial buffers and diversification strategies that could handle unpredictable growing seasons.

Five Years Later

Weathered drought, floods, and commodity crashes while expanding operations. Added agritourism revenue streams and now mentors other farmers on financial resilience strategies.

Business growth chart showing seasonal financial planning results over multiple years

Quick Wins You Can Try Right Now

Small changes that make a big difference. We've seen these work across hundreds of Australian businesses.

Track Your Daily Cash Position

Most businesses check their bank balance monthly. Start checking daily. Seasonal patterns become obvious when you see daily movements over 90 days.

Set up automatic daily balance notifications. Takes five minutes, changes everything.

Map Last Year's Revenue by Week

Export 2024 sales data by week. Look for patterns you might have forgotten. We regularly find 20-30% revenue swings that businesses weren't consciously tracking.

Plan Equipment Purchases Around Tax Seasons

Most businesses buy equipment when they need it. Better approach: plan major purchases for optimal tax timing, usually May-June in Australia.

Can save 15-25% through better timing alone.

Build Seasonal Staff Plans

Instead of hiring reactively, map out staffing needs 6 months ahead. Include training time in your calculations. Better staff retention, lower recruitment costs.

Set Up Automatic Seasonal Transfers

Move money automatically during high-revenue months to cover low-revenue periods. Removes emotion from saving decisions.

Start with just 5% of peak-month revenue. Increase as you get comfortable.

Review Insurance Timing

Many businesses renew insurance policies whenever they expire. Better: time renewals for your strongest cash flow months. Easier budgeting, better coverage decisions.

How We Can Work Together

Three approaches, depending on where your business is now and where you want to go.

Essential Planning

For businesses ready to start tracking seasonal patterns and making smarter timing decisions.

$299 per month

Monthly cash flow analysis
Seasonal pattern identification
Quarterly planning sessions
Basic forecasting tools
Email support

Get Started

Professional Growth

For established businesses wanting comprehensive seasonal optimization and growth planning.

$599 per month

Everything in Essential
Investment timing optimization
Tax strategy planning
Staff cost optimization
Bi-weekly strategy calls
Custom reporting dashboard

Start Planning

Enterprise Solutions

For complex businesses needing dedicated financial planning expertise and multiple location support.

$1,299 per month

Everything in Professional
Dedicated account specialist
Multi-location planning
Advanced scenario modeling
Weekly strategic reviews
Priority phone support

What You Should Know Before We Start

We work best with businesses that have been operating for at least two years. Why? Because we need historical data to identify your seasonal patterns accurately.

Our approach takes 3-4 months to show meaningful results. We're not offering quick fixes — we're building sustainable financial systems that work year after year.

All packages include a 30-day trial period. If our approach doesn't fit your business, we'll help you transition to a different financial planning method at no additional cost.

Financial consultation meeting showing seasonal planning documents and charts

Ready to Start Planning?

klomiraxent Financial Planning
2 Belmore Rd, Randwick NSW 2031
Phone: +61 2 4919 1886
Email: info@klomiraxent.com