.png){kind=logo}
A Certified Cash Flow Specialist™ is uniquely trained to build and create that plan for you: giving you a clear path to your goals, designed with the money you already have.
I am an advice only (fee only) financial planner looking to provide you with a better way to plan for your future. Advice only planning has allowed me to focus on financial planning without selling financial products. I'm an efficiency nerd. I discovered the merits of index investing and reducing the long term drag presented by high fees on mutual funds and it led to the creation of my own company where I would become a fee only financial planner. Many of my clients are do-it-yourself investors looking for financial planning. I also regularly serve employees whose main retirement income will come in the form of a defined benefit pension. Areas of specialty include retirement planning and cash flow planning. My cash flow planning is always multi year planning that incorporates all of those financial goals and retirement plans while not neglecting the shorter term issues that come up like the impact of taking a couple years of work off to care for a child, the possible cost of daycare, and what would the impact be of possibly starting a business on my long term financial picture.
I spent a lot of time looking at different budgeting options and techniques before coming upon CacheFlo's use of behavioural cash flow management. They all came up short in the same area. There was too much effort involved in the long term upkeep and decision making! Building a plan where the effort levels and rewards make sense gives the ability to create cash flow habits that will take out a lot of stress from your financial life while bringing in a lot of rewards. For me, behavioural cash flow management is setting the table for success.