Meet the People Behind novariqelos
We're not your typical finance group. Started in 2019 when three of us got tired of spreadsheets that looked like crime scenes, we built novariqelos to help people actually understand where their money goes. And maybe more importantly, why it disappears so quickly.
Our team has seen it all—from business owners tracking expenses on napkins to families drowning in subscription services they forgot existed. We get that managing money shouldn't feel like decoding ancient scrolls.
Merritt Caldwell
Head of Financial Planning
Merritt spent twelve years at traditional banks before realising most financial advice sounds like someone reading a dictionary backwards. He joined us in 2021 and focuses on making expense tracking something you actually want to do—not just something you guilt yourself about once every quarter.
He's obsessed with finding patterns in spending data and explaining them without charts that require a PhD to interpret.
Dashiell Pembroke
Client Support Lead
Dash handles the questions that keep people up at night. Before joining novariqelos in 2022, he worked in retail banking and witnessed firsthand how confusing money management can be when life gets messy—which is basically always.
He's the one who'll walk you through setting up categories at 10pm on a Sunday because that's when you finally remembered. No judgment, just help.
What We Actually Do
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Expense Analysis
We look at your spending patterns and help figure out what's working and what's bleeding money. Sometimes the culprit is obvious (looking at you, coffee shops). Other times it's sneakier.
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Budget Structure
Building budgets that don't fall apart by the second week of the month. We account for the fact that life throws curveballs—car repairs, forgotten birthdays, that one thing Amazon convinced you that you desperately needed at 2am.
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Tracking Systems
Setting up systems that track expenses without requiring you to keep every receipt since 2018. We work with what you've got and make it actually useful.
How We Think About Money
Honest Numbers
Your money situation is what it is. We're not here to judge last month's impulse purchases or that subscription box you forgot to cancel. We just work with reality and build from there.
Practical Steps
Financial advice that sounds like "just spend less" isn't advice, it's a fortune cookie. We break things down into steps you can actually take without upending your entire life.
Regular Check-ins
Money management isn't a one-time fix. We check in regularly because expenses change, income shifts, and life generally refuses to follow your carefully crafted plans.
