The Financial Flow Formula
Clarity
Know your numbers to understand what's going on in your business.
Priority
Understand what's going on in your life and where things need to change.
Certainty
Create your vision for the future.
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A Life of Flow
3 pillars. Financial mastery
The Financial Flow Formula was developed to help you master your money in business and life in 3 parts.
01
Clarity
Accounting services covering bookkeeping, tax, compliance and IRD support.
Staying on Track
For sole traders and small companies who want compliance handled properly and nothing more.
- Year-end accounts and income tax returns
- GST returns prepared and filed
- Tax planning before provisional tax falls due
- Phone and email support, not billed by the hour
Compliance Accounting
Everything in Staying on Track, plus:
- Bi-monthly management reports alongside your GST
- Tax savings updated ready for IRD
- Four management meetings a year
- Your money plan in Xero kept current
Business and Life
Everything in Compliance Accounting, plus:
- A personal money plan in its own Xero file
- Bi-monthly bucket report, actual against plan
- Business and personal goals reviewed together
Each plan is a fixed monthly fee, agreed before we start, so there are no surprise invoices. Xero subscriptions are billed separately. We’ll work out which one fits on your clarity call.
02
Priority
Understand what is going on in your life and what needs to change.
Money mentor and coaching
One to one work on your relationship with money, and the decisions that follow from it.
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We meet regularly to unpack your money story, the beliefs and habits you picked up long before you ever ran a business, and work through what's actually driving the decisions that aren't working for you. It's part coaching, part psychology, grounded in your real financial picture rather than generic advice. Sessions are tailored to what's coming up for you, so we go at the pace and depth you need.
Couples coaching
Working with both partners on how you talk about money and make decisions together.
Build Your Money Plan
The Building a Money Plan programme is for those looking to manage their money effectively without the pressure of traditional budgeting.
You'll build a personalised, sustainable money plan that brings ease and control to your finances.
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We'll set you up with a customised online financial system, offering hands-on guidance as you track spending, set goals, and monitor your progress.
This programme is based on behavioural economics, helping you understand your financial behaviour in new ways, beyond conventional accounting.
The Building a Money Plan programme offers personalised financial guidance with a focus on accountability, practical financial literacy, and creating realistic money strategies without traditional budgeting.
You will gain peace of mind, flexibility, and control over your finances, helping you achieve meaningful goals like paying off a mortgage or saving for a big trip.
The programme adapts to life changes and supports ongoing financial growth. After completion, you'll continue to receive monthly resources and support to stay on track with your financial journey.
Money Personality Quiz
There are five main money personalities: Hoarder, Spender, Amasser, Avoider and Money Monk.
Knowing yours helps you understand how you behave with money.
Certainty
Create your vision for the future.
Where you want to be in one, five and ten years, what your life plan is, and whether your current numbers are going to get you there.
Life plan and long term goals
You have your business sorted, you have your money sorted. What's next?
This pillar is all about the future for you as a couple, or individual if you are single.
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This is where you become Money Masters, you are competent and confident with money. You don't keep secrets, you are on the same page and communicate well about money.
You are building your nest egg and are well on the way to financial security, whatever that means for you.
Now is the time to really hone in on your relationship and create your shared vision for the future. What do you want to be remembered for? What is the legacy that you want to leave?
I help you create the vision for the future you, by creating your life and your financial goals.
Investment advice
To help implement your financial goals, I can refer you to one of my amazing Financial Advisors, who can put a financial plan together that helps meet the objectives we have come up with.
Sometimes, life just doesn’t go as we plan, and we get to a point in time where the vision for the future is apart, not together. We have to face this reality too, and I can help you with that transition too.
Separation and relationship property
Going separate ways can be very scary and a daunting process, as you don’t know what you don’t know. Everyone has horror stories of being “ripped off.”
Everything was going fine until the lawyers got involved.
Understanding the process and doing as much of the work yourself before you engage with the legal system can help save you time, money and stress.
My role at this stage is part educational, part emotional support, part coaching, and part number crunching. I bring skills as an accountant, training in psychology and behavioural economics, Gottman Method Couples Therapy training, and my own life experience, to help you understand your financial position and work through the process and options with you.
What I do
- Putting money plans (budgets) in place, when you are going from one household to two
- Helping to compile and provide the relevant disclosure documents, and explaining what disclosure documents actually are
- Helping put together your assets and liabilities to get a starting point of the net asset position for division
- Working towards your financial needs moving forwards as two individuals
Please note, Lynda does not give specific tax advice. That is the role of your business accountant, who she can liaise with on any questions that need asking.
The main goal is to be part of the team who support you to end your relationship financially and emotionally intact. Having worked in the Relationship Property space for over 10 years, I’ve seen the emotional highs and lows, and understand the process, and how my role fits.
What I bring is somewhat unique, combining accounting with the psychology of money and coaching. Throughout, I’m completely independent and non-judgemental, and can work with both partners either separately or together.
There’s also a network of other specialists we can tap into as and when you need them.
Common questions
Do I have to leave my current accountant?
Not necessarily. If you're coming to me for accounting services - bookkeeping, tax, compliance - that usually means I step in as your accountant and tax agent, so we're working from the same numbers. But if it's the money-mindset coaching or relationship property side you're after, that can often sit alongside whatever accounting relationship you already have. It really depends on what you need, which is exactly the kind of thing we can sort out on a free clarity call.
How is this different from a regular accountant?
The accounting itself is the same work any good accountant does. The difference is that I also bring the psychology of why we spend, save, and avoid the things we know we should do.
What kind of businesses do you work with?
A broad range, from trades and hospitality through to professionals, consultants and small manufacturers.
Do I need to be based in Motueka?
No. I'm based in Motueka, in the Tasman region, and I work with clients both in person and online, so distance isn't a barrier.
What happens on a free clarity call?
It's a chance to talk about what's going on for you and what you need, and to work out together whether I can help. No judgement, no pressure, and no commitment to book anything afterwards. I like to think of it as a ‘getting to know each other’ chat.
What does it cost?
It depends which part of the Financial Flow Formula fits you. The best next step is a free clarity call, where I can give you an accurate idea for your situation.
What if I only want accounting, not the coaching side?
That's completely fine, plenty of clients work with me purely for the accounting side, and that's where the relationship stays unless you want it to go further. There's no expectation that one leads to the other.
So, how do we do this
None of these pillars work particularly well on their own. Clarity without Certainty is just a business that runs efficiently towards nowhere in particular. Certainty without Clarity is a lovely dream with no numbers behind it.
Financial flow is what happens when all three come together.
