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.
As a Certified Financial Planner® professional, my passion is helping clients achieve their goals and ultimately finding balance in their lives so that they may sleep easy, knowing they have an actively monitored plan, and that there's someone on their side.
As a financial planner I do not see myself as a stock broker, rather as an emotional anchor that can help you take stock, plot a tailored course, navigate the waters with the rise and fall of the tides, and guide you through the financial implications of your moments in life, all the while steering your finances clear of emotional entanglement.
To me, Financial Planning is not a story of numbers, it's a number of stories; it's partnership, stewardship, simplifying complex matters, and living life confidently.
Moreover, it's my job to make sure we're looking at the big picture and involving other professional services where required such as a lawyer and accountant. I also ask the tough questions and address the hot topics; courageous conversations are essential before important becomes imperative.
Financial planning is an empowering practice and is one in which we should all be engaging with the help of a trusted advisor. I would be happy to have a conversation with you about how we would work together.
After a short time of working with clients, I realized quickly that behavioural cash flow planning was the logical next step toward providing truly comprehensive financial planning. Behaviour and cash flow are two of the most important yet least covered topics in general financial planning curricula so I incorporate both into the planning process.
As a "Millennial" advisor in my tenth year in the industry, I am also a husband and dad of two boys. I have a unique combination of experience and insight into the challenges that new families face. I work closely with a wide range of clients of all ages in diverse circumstances but the one constant is found when looking at cash flow which people can so easily get bogged down with. As a CCS, I can lay a more solid foundation of a successful financial plan. In other words, a plan that is both exciting and achievable.
My own dreams and short-term goals revolve around my family. My wife Hallie is a kindergarten teacher and we're both working full time with two young sons and growing careers.
We're probably in the years where we feel the most squeezed so cash flow planning is integral as it is vitally important to us to make sure we can get away from time to time to experience family adventures.
We went to PEI when my first son Keaton was 18 months old and it was the best. His first ice cream cone ever was from a dairy bar in northern PEI on a hot day in July. More than half of the soft vanilla ice cream ended up around the outsides of a big grin. It was a "priceless" moment.
Those are the types of memories effective cash flow planning allows for and I want to keep throwing experiences at my boys and I hope they all stick as well!
Cash flow often gets mistaken for the terrible "b" word: "Budget". I find most people don't really address their day to day finances, deal with things after the fact then feel like they're constantly trying to catch up and juggle future paychecks. They fall into spending patterns that involve overspending based on triggers, habits, patterns, emotions, and some end up manage this overspending by going into debt and just worrying about minimum payments instead of the root causes.
As a quick aside, a recent study showed that when the minimum payment amount was removed from statements, people on average paid over twice as much than what the minimum payment was. Let's put those guardrails in place before!
A cash flow plan is like the anti-budget that completely takes the stress out of the daily money equation and allows people to reset bad spending patterns by automating as much as possible and only having to focus on a weekly spendable amount. That's key and really helps people curb impulse spending and save more than they otherwise would have.