Building Financial Confidence Through Real Experience
We're not just another financial education company. xelorlumalerio grew from real families facing real financial challenges – and finding practical solutions that actually work in everyday life.
What We Actually Believe About Money
Financial planning shouldn't require a finance degree. After working with hundreds of Canadian families since 2019, we've learned that the best financial strategies are often the simplest ones – they just need to fit your actual life.
Real-World Testing
Every strategy we teach has been tested by real families dealing with mortgage payments, childcare costs, and unexpected expenses.
No Perfect Families
We work with people who sometimes overspend, forget to save, and make financial mistakes – because that's normal life.
Canadian Context
TFSA limits, RRSP rules, provincial programs – we focus on tools that actually exist in Canada, not generic advice.
Progress Over Perfection
Small improvements that stick beat dramatic changes that don't. We celebrate paying off one credit card, not just mortgage-free stories.
How We Actually Teach Financial Planning
Our approach builds from basic money management to sophisticated planning strategies – but only after you've mastered each previous step.
Money Reality Check
Before we talk about investment strategies, we figure out where your money actually goes. Most people are surprised – in a good way – when they see their real spending patterns laid out clearly.
Safety Net Building
Emergency funds and basic insurance aren't exciting, but they prevent financial disasters. We help you build these protections without sacrificing your current lifestyle completely.
Growth Strategy Design
Now we can focus on building wealth. Investment accounts, tax planning, retirement preparation – all customized for your timeline and comfort level with different approaches.
Advanced Family Planning
Education funding, estate planning, business considerations. These complex topics become manageable when you have solid financial fundamentals already in place.
Learning Alongside Other Real Families
Financial planning can feel isolating, but it doesn't have to be. Our group sessions and peer networks connect you with other Canadian families working toward similar goals.
Small Group Sessions
Monthly workshops with 8-12 families. Share challenges, celebrate wins, and learn from each other's experiences with similar financial situations.
- Facilitated discussions
- Peer accountability
- Real case studies
- Q&A with experts
Accountability Partners
Paired with another family at a similar stage. Check in monthly, share progress, and help each other stay on track with financial goals.
- Matched goals and timeline
- Regular check-ins
- Mutual support system
- Shared learning resources
Online Community
Private forums for current clients. Ask questions, share resources, and get input from families who've already tackled similar financial challenges.
- 24/7 peer support
- Resource sharing
- Expert moderation
- Success celebrations
Meet Our Lead Educator
Enzo Whitmore
Started xelorlumalerio after helping his own extended family through various financial crises. Former banking analyst who got tired of seeing practical advice buried in jargon. Lives in Quebec with his partner and two kids, practices what he teaches.