Our Journey in Financial Excellence

We've spent years learning that surplus management isn't just about numbers – it's about understanding the real challenges businesses face when growth brings unexpected financial complexity.

How We Started

Back in 2019, I was consulting for a mid-sized manufacturing company in Melbourne. They had just landed their biggest contract ever, but six months later, they were drowning in cash flow issues. Sound backwards? That's when I realized how many Australian businesses struggle with surplus management.

The owner told me something that stuck: "I know how to run my business, but I don't know what to do with all this extra money." They had surplus funds sitting in low-interest accounts while missing investment opportunities that could have secured their future.

That conversation changed everything. senaeonlo was born from recognizing that successful businesses need more than basic financial advice – they need partners who understand the unique challenges of managing unexpected growth and surplus resources.

What Drives Us

We believe every business owner deserves to sleep well knowing their financial future is secure, not stressed about money they don't know how to manage effectively.
Real solutions come from understanding your industry, your growth patterns, and your personal risk tolerance – not from generic financial products.
We focus on practical strategies that work for Australian businesses, considering everything from tax implications to market volatility.
Our success is measured by your peace of mind and financial stability, not by complex products you don't understand.

Meet Our Team

We're not your typical financial advisors. We're business people who understand the challenges of growth and the responsibility that comes with financial success.

Thorsten Maddox

Founder & Financial Strategist

After 15 years helping Australian businesses navigate financial growth, Thorsten founded senaeonlo to focus specifically on surplus management challenges. He's worked with everyone from tech startups to established manufacturing companies, always focusing on practical solutions over complex financial products.

Verity Kowalski

Senior Financial Advisor

Verity brings a unique perspective from her background in both corporate finance and small business operations. She specializes in helping business owners understand their options without overwhelming them with unnecessary complexity. Her approach focuses on education first, solutions second.

What Sets Us Apart

We've learned that the best financial strategies are the ones you actually understand and feel comfortable implementing. Our approach focuses on clarity, practical solutions, and long-term relationships built on trust.

No Pressure Approach

We never push products or solutions you don't need. Our recommendations are based on your specific situation, timeline, and comfort level with different strategies.

Australian Focus

We understand Australian tax laws, market conditions, and business regulations. Our strategies are designed specifically for businesses operating in the Australian market.

Education First

We believe informed clients make better decisions. We take time to explain your options, the reasoning behind our recommendations, and the potential outcomes of different strategies.