Our Financial Planning Journey
Since 2019, we've been helping Australian businesses navigate financial uncertainty with practical forecasting tools and honest guidance that actually works in the real world.
Started from Frustration
After watching too many small businesses struggle with cash flow surprises, founder Isla Thornwick left her corporate finance role. The problem wasn't lack of money — it was lack of clear financial visibility.
First Major Breakthrough
Developed our signature quarterly forecasting method after helping a Ballarat manufacturing client avoid a costly expansion mistake. Sometimes the best financial advice is knowing when not to spend.
Expanding Our Reach
Now working with over 200 businesses across Victoria and beyond. Each client teaches us something new about the challenges of managing money in uncertain times.
What Drives Our Work
Data Without Drama
Financial planning shouldn't be mysterious. We use clear numbers and straightforward analysis to help you understand where your money actually goes and where it should go next.
Realistic Expectations
We won't promise overnight transformations or miracle solutions. Good financial planning is about steady progress and building systems that work when things get challenging.
Partnership Approach
You know your business better than anyone. We bring financial expertise and forecasting tools, but the best strategies come from combining both perspectives.
Meet Isla Thornwick
After eight years in corporate finance, Isla realized that most financial planning tools were built for big companies, not the small and medium businesses that actually needed help the most. She started marquintova to bridge that gap.
When she's not buried in spreadsheets, Isla volunteers with the Ballarat Business Network and mentors new entrepreneurs. She has a particular interest in helping family businesses plan for succession — something close to her heart as a third-generation business owner herself.
How We Actually Help
Every business is different, but financial stress often comes from the same places: unclear cash flow, unrealistic growth plans, or simply not knowing what's coming next quarter. Here's how we tackle those challenges:
Current State Analysis
We start by understanding where your money actually goes. Not where you think it goes — where it really goes. This often reveals surprising patterns.
Scenario Planning
What happens if sales drop 20%? What if that big client pays late again? We model different scenarios so you can plan for reality, not just the best case.
Systems Integration
Good forecasting only works if it fits into how you actually run your business. We help you build processes that update automatically, not manually every month.
Ongoing Adjustment
Markets change. Customer behavior shifts. We meet quarterly to adjust forecasts based on what's actually happening, not what we hoped would happen.