We Make Financial Planning Actually Work for You

Started in 2018 with a simple goal—help people get control of their money without the confusing jargon or sky-high fees. We're based in Coffs Harbour but work with clients right across Australia.

How We Got Here

Back in 2018, our founder Bianca Merrick kept hearing the same thing from friends and family. "Financial planning is too expensive." "I don't understand half of what my adviser says." "I feel like I'm being sold products I don't need."

She'd spent years in the industry and saw the gap between what people needed and what they were getting. So she left her corporate role and started virelathos with a straightforward mission: offer solid financial advice at prices people can actually afford.

Seven years later, we've helped hundreds of Australians sort out their super, tackle debt, and plan for the future. And we still answer our own phone.

Financial planning workspace with documents and calculator

What Actually Matters to Us

These aren't just words on a wall. They're how we make decisions every day.

Plain English

If you can't understand what we're saying, we're not doing our job. We explain things like we're talking to a friend over coffee—because that's basically what good advice should feel like.

Fair Pricing

You shouldn't need to be wealthy to get decent financial advice. Our fees are transparent and structured so you know exactly what you're paying for before we start.

Real Solutions

We're not here to sell you complicated products. We look at your actual situation and figure out what makes sense for you—even if it's something simple.

The People Behind the Advice

Small team. Big on actually caring about what happens with your money.

Bianca Merrick

Financial Adviser

Started virelathos after getting tired of the corporate machine. Loves helping people figure out their super. Makes terrible coffee but great spreadsheets.

Darya Veselic

Client Services

The person who actually keeps everything running smoothly. Answers questions, schedules appointments, and somehow remembers everyone's names and situations.

Working With Us

First meeting is always free. We sit down, look at where you're at, and figure out if we can help. No pressure to sign anything.

If you decide to work with us, we'll put together a plan that actually fits your situation. Then we check in regularly to make sure things are on track.

Who We Help

Most of our clients are somewhere between starting their career and retiring. Maybe you've got some super but don't know what it's doing. Or you're juggling debt and trying to save. Perhaps you're thinking about buying a house or changing jobs.

We work with teachers, nurses, tradies, small business owners. People with straightforward situations who just want someone to help them make smart decisions without the runaround.

How We Actually Do This

Financial advice doesn't need to be complicated. Here's our process—nothing fancy, just what works.

Have a Chat

We meet up and talk about what's going on with your money. What's working, what's not, what keeps you up at night.

Look at the Numbers

We dig into your super, debts, income, expenses. Get a clear picture of where everything stands right now.

Make a Plan

We map out specific steps you can take. Prioritize what matters most and figure out realistic timelines.

Check In Regularly

Life changes. Your plan should too. We touch base every few months to make sure you're still on track.

Financial documents and planning materials

Building Something Real

We've been at this for a while now. Each year taught us something new about what people actually need.

2018

Started Small

Bianca left her corporate job and opened virelathos with three clients and a laptop. First office was her dining room table.

2020

Pandemic Pivot

COVID hit and everyone needed help fast. We moved all meetings online within a week. Turned out a lot of people preferred it that way anyway.

2022

Growing the Team

Brought Darya on board because one person can't answer all the emails and still do good work. Best decision we made.

2025

Where We Are Now

Working with clients across Australia. Still answering our own phone. Still focused on keeping things simple and affordable. Planning to stay that way.

Why Coffs Harbour?

Good question. Most financial advisers set up in Sydney or Melbourne. We're on the coast in Coffs because that's where Bianca's from and honestly, the lifestyle's better.

But here's the thing—it doesn't matter where we're based. Most of our clients we've never met in person. We do everything via video calls and phone. Works just as well and saves you the drive.

If you are local though, we're always happy to meet for coffee at Park Beach Plaza. We're right there in the shopping centre, which makes it easy to swing by.

Let's Talk About Your Situation

First conversation is free. No sales pitch, no obligation. Just a straightforward chat about where you're at and where you want to be.

Get in Touch