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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.
From the very start of my career as a financial advisor, I found that financial planning was my passion. There is something very addictive in helping people identify their goals and achieve their dreams.
I have been doing behavioural cash flow planning since the beginning as I learned early on that it is the key to helping people actually achieve their goals. Financial plans are great but they mean very little if they are not implemented or spending habits constantly make the plan unachievable.
Although I have always created financial plans that were focused on my clients goals, I started Papyrus Planning in 2017 to focus completely on financial planning and to remove the perception that any recommendations were intended for my own gain. Now, I earn a living from the planning work I do and have no financial products to sell. In a complicated world, my fees and advice are clear and transparent.
I specialize in behavioural cash flow planning for individuals and couples who are close to making that income transition from working full-time to partial or full retirement. If you are thinking of retiring in the next five years or have already retired, I know I can help.
Behavioural Cash Flow Planning is how you problem solve a financial plan. A plan is not meant to live just on paper, it must be implemented and modified so that it works for each individual. That is why I became a CCS.
My long-term goal is to help thousands of people achieve their goals and find their own personal financial success.
My short-term goal is to plan (and save for) a trip to Hawaii (a place I haven't been to for 25 years and somewhere my wife has always wanted to visit.
When retirement occurs, there is likely a significant drop from working income to sustainable retirement income. When you are used to living on 100 per cent of your employment earnings it is really hard to adjust to your new beginning and a significant income drop all at the same time. I like to use behavioural cash flow planning to ease that transition into retirement.