Meet the People Behind cavoralithos

Our team combines decades of financial planning expertise with innovative approaches to budget calendar management, serving Malaysia's growing community of financial planners and budget-conscious individuals.

Minerva Blackwood

Senior Budget Planning Strategist

Calendar Integration Budget Psychology Granit Bank Systems

Minerva started her career analyzing spending patterns at a small credit union in Kuala Lumpur back in 2019. What fascinated her wasn't just the numbers, but how people's relationship with time affected their financial decisions. She noticed clients who used calendar-based budgeting consistently outperformed those who relied on monthly summaries alone.

After working with granit bank's digital transformation team in 2023, she developed her signature approach: treating budgets as living documents that respond to life's rhythms rather than rigid monthly constraints. Her methods help people anticipate irregular expenses and align spending with personal energy cycles.

Cassius Thornfield

Financial Calendar Systems Architect

System Design Data Analysis Automation

Cassius came to financial planning through an unconventional path. Originally trained as a logistics coordinator for shipping companies in Port Klang, he became obsessed with timing patterns. He realized that financial planning suffered from the same coordination problems he'd solved in cargo management.

His breakthrough came in 2024 when he designed a calendar system that treated money like cargo - with arrival dates, storage costs, and optimal deployment schedules. This approach revolutionized how our clients think about cash flow timing, especially those managing irregular income from freelance work or seasonal businesses.

How We Started cavoralithos

The idea for cavoralithos emerged from a frustrating conversation in a Sandakan coffee shop in early 2024, where we realized existing financial tools treated time as an afterthought rather than a fundamental planning dimension.

The Problem We Noticed

Traditional budgeting apps forced people into artificial monthly cycles that ignored how life actually works. Bills arrive on different dates, income varies, and unexpected expenses don't wait for convenient timing. We kept seeing people struggle not because they lacked discipline, but because their tools didn't match their reality.

Our Different Approach

Instead of forcing budgets into calendar months, we built systems that adapt to individual timing patterns. Whether someone gets paid weekly, bi-monthly, or irregularly, our approach helps them see their financial future as a coordinated timeline rather than disconnected monthly snapshots.

Why Malaysia Matters

Malaysia's diverse economy - from traditional agriculture to modern tech startups - creates unique financial planning challenges. People here often juggle multiple income sources with different payment schedules. Our location in Sabah keeps us connected to these realities rather than designing for abstract scenarios.

What Drives Our Work

Our principles evolved from real experience helping people coordinate their financial lives, not from business school theories about optimal customer engagement.

Building financial tools that work with human nature, not against it

Time-Aware Planning

Money moves through time, not just between accounts. Our systems help people visualize their financial future as a timeline of coordinated events rather than isolated transactions.

Reality-Based Tools

We design for how people actually live - with irregular schedules, multiple income sources, and unexpected expenses. Our tools adapt to personal patterns instead of forcing artificial consistency.

Local Understanding

Financial planning isn't universal. Malaysian families face specific challenges around extended family obligations, property investment timing, and managing multiple currencies. We build solutions that acknowledge these realities.

Sustainable Practices

Quick fixes don't create lasting financial stability. We focus on helping people develop planning habits that become more valuable over time, not systems that require constant maintenance or upgrades.