Built Around Real Financial Challenges
We started WisePoint Transfer because too many people were getting advice that looked great on paper but fell apart in practice. Financial planning shouldn't require a degree in economics—it should make sense when you're sitting at your kitchen table trying to figure out next month's cash flow.
Where This Actually Started
Back in 2019, I watched a friend's small business struggle—not because the product was bad, but because they kept running out of cash at weird times. They'd hired consultants who built these elaborate spreadsheets that nobody could maintain after the consultants left.
That's when it clicked. Most financial education focuses on theory or high-level strategy. But what people need is the middle part: how to build systems that work with their actual life, not some idealized version. Systems that survive when you're tired, distracted, or dealing with unexpected expenses.
So we built our programs around that idea. Everything we teach has been tested with real budgets, real businesses, and real people who don't have time to become financial experts. They just need tools that work.
What Guides Our Work
These aren't corporate values we put on a poster. They're the principles that show up in how we design every course and structure every consultation.
Practical Before Perfect
A budget you actually use beats a perfect spreadsheet you abandon in three weeks. We focus on systems that fit into your existing routines, not ones that require you to rebuild your entire life.
Honest About Limitations
Financial forecasting can't predict the future. It can help you prepare for likely scenarios and respond faster when things change. We teach you what's possible and what's wishful thinking.
Learning That Sticks
You don't need more information—you need better understanding. Our courses focus on building genuine comprehension so you can adapt strategies to your situation instead of just following templates.
The People Behind the Programs
We're not a huge team. That's intentional. Everyone here has spent years working directly with businesses and individuals on their finances. We've seen what works across different industries and income levels, and we bring that experience into every course we design.
Cressida Whitmore
Director of Financial EducationCressida spent eight years helping small manufacturers manage cash flow before joining us in 2021. She's really good at breaking down complex financial concepts into steps you can actually follow. Most of our budgeting frameworks came from problems she solved while working with clients who were drowning in conflicting advice.
Leofric Dunstan
Lead Budget Strategy ConsultantBefore consulting, Leofric ran operations for a distribution company where he dealt with unpredictable revenue and tight margins. He knows what it's like when your forecast says one thing and reality delivers something completely different. His approach focuses on building flexibility into your financial planning so you're not starting over every time something changes.
How We Approach Financial Education
Most financial courses either oversimplify to the point of being useless, or they drown you in complexity. We aim for the middle: detailed enough to be genuinely useful, but structured so you can apply what you learn without needing a support team.
Our programs start with fundamentals—not because we assume you know nothing, but because many people have gaps in their understanding that cause problems later. Then we move into practical application using realistic scenarios. By the end, you'll have frameworks you can adapt to your specific situation.
Real Scenarios
We use actual case studies from businesses and individuals, not sanitized examples.
Adaptable Methods
Learn principles you can modify rather than rigid templates that break under pressure.
Realistic Timelines
Building financial skills takes months, not weeks. We design programs with that reality in mind.
Ongoing Support
Questions come up when you're applying concepts. We're available to help you work through them.