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.
James began his professional journey in financial services back in 2001. With a retail banking, brokerage, insurance & financial planning roles since; his clients benefit from a well-rounded & accredited advisor who believes in comprehensive and holistic wealth stewardship principles.
James holds the Certified Financial Planner (CFP), Financial Management Advisor (FMA), Personal Financial Planner (PFP), Certified Cash Flow Specialist (CCS) and Certified Kingdom Advisor (CKA) designations which is evidence of his values of continuing education and competency in his professional craft.
Holding himself to the highest ethical standards this industry promotes. James' passion and ultimate end goal is to help free as many individuals, families and business owners as he possibly can! Cash flow planning is just the beginning value proposition of that journey with his clients.
The most important aspects of behavioral cash flow planning are to first uncover those personal whys! Your reasons! What hyper motivating experiences or goals do you want to strive toward that will move you to action? Where you are emotionally sold out?
So it's going deep to find that out with you. And then the math is the math. If we have free cash flow given this unique system, we can direct those resources into highly important stated priorities and monitor progress from there.
Being a dreamer mentality, I often ponder various big picture possibilities for my future. I have a successful financial planning practice where I have the privilege of helping many people get what they hope for out of life.
I'm involved in my community and ministry initiatives, and my cash flow and financial plan revolves around creating greater and greater levels of autonomy and time freedom so I can explore investments into passions like my family or volunteer work and my faith.
I've also taken the approach that if I work to help as many people as I can get what they want out of life...that the fruit of this labour should result in the manifestation of my own dreams too. A win-win!
In the Calgary area where my practice is based, I would say the most common problem I help solve for clients is deploying their provision in an optimal way across competing priorities - near & far.
In other words, every family has a certain amount of take-home provision. They are confronted w/ competing priorities and objectives. They seek balance and peace of mind in a cohesive and well-thought out strategic direction. Many of them realize they are blessed w/ excess income or provision but they feel they aren't optimizing and fully leveraging that opportunity.
So in short, it's setting an intentional plan in place that systematizes an approach. So they can invest more of their time, head/heart space on the bigger things in life. Whatever they value in life. I actually don't see a ton of uncontrolled debt management cases believe it or not...more so I see folks who make above average income and have strong potential free cash flow but need a sounding board and a cohesive plan to deploy optimally for their future.