The People Behind zaruvonethiqe
Meet the dedicated professionals who bring decades of combined experience in financial planning, budgeting strategies, and educational excellence to help you build stronger money management skills.
Reuben Hartwell
Managing DirectorReuben brings fifteen years of experience from major UK financial institutions, where he witnessed firsthand how poor budgeting habits affected countless families. After working at Barclays and later as an independent consultant, he recognised that most people never received proper financial education – they learned through expensive mistakes instead.
In 2019, he founded zaruvonethiqe with a simple belief: everyone deserves access to practical money management skills, regardless of their background. His approach focuses on building sustainable budgeting habits rather than complex investment strategies, making financial literacy accessible to ordinary people dealing with everyday money challenges.
Finley Crestwood
Senior Financial Strategist
Previously spent eight years helping small businesses manage cash flow at HSBC Business Banking. Finley specialises in teaching practical budgeting techniques that actually work for real families – not theoretical models that fall apart when life gets complicated. He's particularly skilled at helping people recover from financial setbacks and rebuild their money confidence.
Our Collective Approach
Team Philosophy
We believe financial education should be honest about both opportunities and limitations. Rather than promising overnight transformations, we focus on building genuine skills through consistent practice. Our team combines academic knowledge with real-world experience, ensuring every lesson addresses actual challenges people face when managing household budgets and long-term financial goals.
Our Mission & Values
zaruvonethiqe exists to provide practical financial education that empowers people to make informed decisions about their money. We focus on building confidence through knowledge, not through unrealistic promises or get-rich-quick schemes.
Education First
We prioritise learning over earning, focusing on building sustainable financial skills that serve people throughout their lives.
Honest Communication
We discuss both opportunities and limitations openly, never making promises we can't keep or guaranteeing specific outcomes.
Accessible Learning
Financial education should be available to everyone, presented in clear language without unnecessary complexity or jargon.