Certified Cash Flow Specialists™ help you find more life from the money you already have, by using technology to maximize your income and make financial management stress-free.

A 15-minute conversation with a CCS™ could change your life today.

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

Roberto Pelaccia, Mortgage Broker, CCS™, SMAP

Toronto, On
9+ years experience

Roberto helps hard working people take control of their finances and step forward to a better life.  He specializes in helping you master your cash-flow and conquer your mortgage.

It is his lifelong purpose to serve others and have a positive impact in people's lives.  After a 13 year career as a Paramedic, Roberto has been a Mortgage Broker, Certified Cashflow Specialist, as well as Smith Manoeuver Accredited Professional for almost 10 years.  He is committed to educating people to do the best with what they have from where they are.  Working with him you will be inspired to take action and take control.

Tyler Burtch, CCS™

Gravenhurst, On

Tyler Burtch has a passion for helping people - and he happens to be really great with money. Born and raised in a small farming community, he was able to build a six-figure business before he even graduated high school. It was during those years of ownership that he realized his passion for business extended far beyond making dollars and cents. He wanted to have a positive impact on his customers.

And make his mother proud.

Tyler knows that many of us have fears about money – especially not having enough of it. You can count on him to take time to listen to your concerns and ask important questions to develop a customized, holistic financial plan that’s just right for you, your family and your lifestyle.

Evan Clarke, CFP, CIM, CCS™

Willowdale, On
9+ Years Experience

Evan works closely with his clients to provide tailored financial planning, investment, and risk management solutions to help them reach their short, medium and long-term goals.

At the age of 29, Evan became a Certified Financial Planner® professional which is the designation recognized internationally as the gold standard in financial planning. He is among the 15% of CFP practitioners in Canada in the under 35 cohort.

Hans-Michael Schnell, B.Sc, CCS™

Toronto, ON
10+ Years Experience

The things you do today will set the stage for you 10, 15, 20 years down the line. After 14 + years helping families, businesses and individuals in finance, understanding your month-to-month cash flow is the foundation for building a solid plan.

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.

Donald Turnbull, EPC, RHU, CCS™

Pickering, ON
40 Years Experience

At Donald G Turnbull Financial Services, we take a very unique approach to the financial business in that, “We help people FIND MONEY they are currently losing unknowingly and unnecessarily.”

We believe there is more opportunity to serve our clients by helping them avoid the losses than by picking the winners. By helping our clients be more efficient, we can help them find the money necessary to “Fund their Dreams”. Donald has been practising as a licenced financial advisor since June 1980.

Heather Haddon, CFP, CHS, CCS™

Bradford, ON
18+ Years Experience

After 18 years of building financial plans for clients and struggling to find a way to explain and communicate relationship with money and spending Behavioural Cash Flow Planning made so much sense.

My practice focuses on average families who have a desire to keep more of what they make and do more with what they have. Behavioural Cash Flow Planning and comprehensive tax planning make that a reality for everyone!

Rick Lachine, CFP, AFCC, EPC, CCS™, CEA

St Thomas, On
25+ years Experience

Rick has over 25 years experience in helping clients.

At RLA Financial, we believe that all success in Life comes from the conviction to “Design Your One Life, Your Way” to provide: CLARITY of Your Financial Life, Financial STABILITY and, A LEGACY for You and Your survivors.

Through The REAL LIFE Approach® we help you: Develop the VISION of Your Life, DESIGN a Plan to realize that vision and Create ORGANIZATION of all your Financial affairs.

Jennifer Wheatcroft, CCS™

Vaughan, On
10+ Years Experience

I have been working in the financial services industry since 2009. I originally became a financial advisor to help people learn how to get out of debt and become financially free. In my own experience as a young, financially irresponsible, 20 something year old, and watching my mother retire without a plan or any savings, I made it my mission to teach people how to understand how to make their money work for them instead of stressing and spinning their wheels.

My first priority is to educate and be of service to you!

Joy A. Adams, CCS™

Barrie, ON
22+ Years Experience

I have been in the financial services industry for over 20 years and always felt I could do more for my clients in the area of cashflow management.

Behaviourial Cash Flow Planning gives me a process that is measurable, very professionally and more importantly adds value.

My business is now able to stand out from the crowd. I am not chasing my clients because they are seeing their own results and the impact Behavioural Cash Flow Planning is having on their families.

Mary Chow Ivanovic, CPA, CGA, CPA (Del), CGMA, CCS™

Toronto, ON

Cash flow is the first area of every financial plan that needs to be carefully examined. Maintaining a positive cash flow is the key to create a solid foundation to build on when striving to meet the financial goals.

Tom Beck, CFP, CCS™

Aurora, ON

You've worked hard for your money, so controlling your risks and minimizing taxes is important. We know that your financial objectives are very personal, so we'll help you make the most of your investments to achieve your goals and secure the future you dream of.

Every family has hopes and dreams for their future, but some ignore the potential risks and do not have a plan to protect them, if something should happen. Tom has dedicated his practice to helping families to prepare for the unexpected challenges that life can present - the "what ifs?". His recommendations are based on extensive fact finding sessions through his access to some of the best minds in the business.

Nicole Bird, CCS™

Kitchener, ON

My name is Nicole Bird and I am a holistic financial security advisor meaning that your goals and dreams are my main focus. In a globalized approach we take into account every. single. aspect, of your personal financial security.

Together we are extremely thorough in establishing the road you choose to get to your financial destination. Your dreams. Your Life. Simplified.

Linda Robinson, CCS™

Hamilton, ON

Without a good solid base of cash flow planning, hopes and dreams can slip through fingers. Helping my clients understand the need for cash flow planning is priority.

A good solid foundation with cash flow planning, means hopes and dreams and financial goals come true!

Nick Giovannetti, CFP®, CLU®, CHS®, and CCS™

Waterloo, ON

In a world where our educational system often falls short in financial education, my passion is to bridge that gap. Every day, I am committed to teaching at least one individual or family the essential skills for wealth-building and making informed financial decisions. Our practice is not just about providing financial solutions; it's about empowering you with knowledge for both financial security and peace of mind. As independent financial professionals, we offer unbiased, personalized recommendations to help you achieve your aspirations, both now and in the future. When I'm not navigating the financial world, I cherish family vacations and the joy of music, while continuous learning remains a passionate pursuit.

Kelly Ho, BA, CFP, CCS™

CCS™ Since 2015

I entered the financial services industry in 2005 immediately my graduation from the University of British Columbia. I hold the Certified Financial Planner (CFP) designation and the Certified Cash Flow Specialist (CCS) certification. Among my peers, friends and family, I am best known for my commitment to professional excellence, leadership in the community, and my passion for helping others.

I am an active member of her industry professional association, Advocis– The Financial Advisors Association of Canada, and I’m a qualifier for the Million Dollar Round Table – The Premier Association of Financial Professionals. I’ve been a longstanding Kiwanis Club of Vancouver member who has carved my niche in the organization by working extensively in the area of youth initiatives. I am also fully conversant in Cantonese.

Janine Purves, CFP, CPCA, CCS™

Aurora, On
20+ years experience

Janine offers over 20 year's experience in the financial industry working in banking, brokerage, and financial planning environments. She also has 8 year's experience in consulting and sales to businesses. In addition to being a fully licensed advisor, qualifications include the CFP, CCS, anCPCA designations with a background in economics. Having received many service and achievement awards, she recognizes the importance of servicing clients' needs first. She has also been asked to speak at many Business, Professional and Retirement Associations. In 2015 Janine was voted Best Financial Planner in Richmond Hill for The Liberal Readers' Choice awards.

Stephen D. Palmer, CLU, CCS™, EPC

Newmarket, On

Helping clients improve their cashflow needs. With a focus on successfully funding short and long-term goals and dreams. Focused on you to help you build your future with confidence.

Andrea Thompson, CFP (CAN), CRPC (US), CLU, CHS, CCS™

Mississauga, On

I've spent more than two decades working on Bay Street.  After starting my own family in 2018, I struggled to find the right balance between work and family life.  I realize that many others are in the same camp, and don't have a lot of time to attend to their own priorities.  The journey of a parent teaches you that life is no longer about you.

​My mission is to provide financial guidance and education to empower Canadians to make their personal finances a priority, in a simple, low friction, minimalistic way.  

Jim Lao, CCFS

Toronto, On

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.

Brenda L. McCrae, QAFP, CCS™

Brantford, On

I have been helping clients realize their goals and dreams for over 20 years.  I am a trusted resource who is knowledgeable in many different aspects of finance, insurance, tax and estate matters.  My clients describe me as caring, empathetic, professional, trustworthy and knowledgeable.  I realized quickly in my career that behavourial cash flow management is the first step towards taking better control of your finances, which in turn leads to attaining your goals and dreams.   I myself have worked with a cash flow plan for years, which has dramatically improved my own family's financial situation.  I have helped many clients eliminate their debts and increase their wealth over the years through this effective tool.

Angie Ross, BBA, BEd, CCS™

Ajax, On

Angie has been spreading her expertise passionately as a financial educator for the past 18 years. The addition of a CCS designation has allowed her to help clients achieve their financial dreams without painful “budgeting”.

Ryan Genoe, CCS™

I believe that everyone deserves financial peace of mind.  

I'm here to help take the hardest step, the first one. As a Certified Cashflow Specialist and co-founder of TvH CacheFlo Solutions, I help my clients achieve their financial goals and live their best lives. That's why I'm excited to include Behavioural Cash Flow Strategies as part of my practice.  It is a powerful tool that helps clients understand their spending habits, identify their values and priorities, and align their cash flow with their goals.

Stephen Devlin, CCS™

Best selling author

Stephen Devlin is a value-based Licensed Life Insurance Broker and Wealth Architect, passionate about self-empowering his clients to achieve financial control for life by educating and coaching them on key financial principles and cash flow optimization strategies. He is regarded as Canada’s leading expert in implementing the Bank On Yourself® and Infinite Banking® concepts and engineering multi-figure strategic wealth plans. Stephen has been honoured with a privilege only a handful of advisors have as a member of the international organization the Million Dollar Round Table, the prestigious status of Court of the Table.