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What a CCS™ Can Do for You:

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.

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Hans-Michael Schnell is the Founder of The Kreo Group Collective, Managing Partner, Financial Consultant and Certified Cash Flow Specialist who partners with likeminded companies, professionals and out-of-the-box thinkers to strategically create an environment to enhance the efficient and effective use of your money, human-to-human.

After working for over a decade in the financial field for organizations such as Merrill Lynch, CIBC Wood Gundy and London Life, Hans has truly learned what he believes to be the key to financial happiness – and it’s not recommending the flavour of the week; it’s a complete lifelong economic process.

Whew! That was a mouthful…Basically, what we are trying to say: Hans believes that the solution to building wealth doesn’t only come from one product, one decision, a specific rate of return or a single strategy. It requires financial coordination.

It’s how well you connect with the real people you're trying to help and communicating your understanding back to them.

Believe it or not, it's not all about finance for Hans. Prior to entering the industry, Hans spent five years south of the border on an athletic baseball scholarship. After school, he came back home and played eight years for the historic hometown Toronto Maple Leafs of the Intercounty Baseball League.

Hans is also very passionate in the start-up and freelancer community. As an entrepreneur himself, he understands how difficult it can be to be your own boss. He believes that together we achieve more and is an advocate of collaboration and loves innovation. He believes that if you want to make a change in your life, in your finances or even in the world – it starts with you!

Why Behavioural Cash Flow Management™?

It's really hard for many families and individuals to imagine too many things in life 20 years into the future. The urgency for such things become less urgent because these goals become dreamlike and lack the emotional drive. By managing ones cash flow, the engine that drives the household, focusing on what you can control and ultimately linking this to shorter more manageable and emotional timelines allows our clients to truly achieve long term goals - automatically.

I wanted to be able to provide better solutions and understanding to those I speak with and get to the route cause of why so many of us struggle month-to-month.

Dreams and Goals

My dream is to make financial planning something people get excited about! I find too many people fear talking to an advisor or have a sense of denial when it comes to discussing money. Money is a tool and when used correctly and aligned to who you are emotionally and behaviourally can provide flexibility in ones life.

What Problems I Solve:

Think of your favourite band. Now think of each of the band members playing their own tune without regard for one another...sounds pretty bad doesn't it? Most of us make financial decisions the same way. Whether it's the mortgage, a life insurance policy or an investment, each product is playing its own tune.

See, people tend to make financial decisions one at a time, at different times with different people under different economic circumstances. That's confusing right?

I take pride in showing how these decisions can come to life by brining them together into a cohesive strategy. It's really about how these financial tools work together in harmony. That's where the magic happens and it all begins with cash flow!