Our story
Personal, real, and true to ourselves and our team.
We set up Xentum for one reason: to look after people properly.
When we started, we saw the same pattern everywhere.
The financial sector was fixated on investments, products and gathering as much “assets under management” as possible.
It didn’t feel right.
It didn’t feel personal.
And it didn’t feel like it truly helped people live better lives.
We believed and still believe that financial planning should be about people, not percentages.
Real lives. Real families. Real priorities.
Not the size of an investment portfolio.
So Xentum was built to do things differently. We want to look ourselves in the mirror and feel our values match you words.
We believe in standing for something not falling for anything. We know were different but thats our choice.
We don’t chase assets. We focus on what matters.
Most firms grow by gathering as much money as possible and charging a percentage fee. It’s the industry’s obsession, but it doesn’t put people first.
We chose a different path, one that we as a team can stand behind.
Our fixed-fee approach is fair, transparent and honest. It removes the conflict and keeps the focus exactly where it should be: on your life, your decisions and your future. We’re here to help you understand what you want, not push investments you don’t need.
For us, planning always comes before products.
Good planning isn’t about picking funds or portfolios. It’s about understanding the life you want to build — the people you want to look after, what you want to protect and what truly matters to you.
Once you’re clear on that, the financial structure simply supports it.
Planning is where the value is.
Advice is where the change happens.
Everything else is just mechanics.
How we help you find clarity
Life becomes easier when you’re clear on where you’re heading.
Without that clarity, it’s easy to worry about money or feel unsure about your decisions.
We help you understand what matters most, create the space to think clearly and build a practical plan that supports your life as it evolves.
Listening
We start by listening not rushing to solutions.
We take time to understand what truly matters to you, what’s working, what isn’t and where you want life to go.
Space to Think
Many clients choose to spend time with us.
Stepping outside your routine gives you headspace to think differently, see things more clearly and escape the noise that usually clouds decision-making.
Exploration
We help you explore possibilities, question assumptions and imagine what life could look like if clarity not pressure or uncertainty shaped your decisions.
Clarity
This process brings everything into focus. You leave with a clear sense of direction, a practical plan that supports your life and the confidence to move forward with purpose.
Practical Planning
We build a realistic, structured plan that supports your priorities. It’s easy to understand, simple to follow and adapts as life evolves
Clear Charging
Our fixed-fee model means you always know exactly what you’re paying for and why. No percentages, no confusing layers, no surprises just transparent, fair pricing that puts you in control.
We work with people who are tired of the industry pretending to put them first.
Tired of advisers who talk about planning but really care about gathering assets. Were not in Wolf of Wall Street.
Tired of confusion dressed up as expertise.
You deserve better than being a number on a platform or a fee on a spreadsheet.
That’s why we built Xentum to cut through the nonsense.
No percentage fees.
No product agendas.
No “more for the sake of more.”
Just straight, honest advice.
A clear plan built around your life.
And guidance that empowers you, not pressures you.
If you want an approach that puts you at the centre not your portfolio, not your balance, not your AUM then you’re exactly who we built this for.
We’re here to help you take control, cut out the noise and move forward with clarity and purpose.