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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.

CCS™ Professionals Have Been Featured In


Jim Lao champions Behavioral Cash Flow Management, skillfully combining financial acumen with a deep understanding of human behavior to guide individuals and businesses toward wiser financial choices. His passion lies in empowering others to attain financial freedom, reduce debt burdens, and amplify their savings, all while pursuing their dreams with confidence.

With a vision of a world where financial stress is replaced by financial empowerment, Jim aspires to create a brighter future for everyone. He's committed to helping people achieve their long-term objectives, whether that's owning a home, launching a business, or securing a comfortable retirement. Through the art of Behavioral Cash Flow Management, Jim Lao is dedicated to shaping a more financially secure and prosperous world for all.