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.
I enjoy helping my clients realize their dreams and live a life free of worry about financial issues. It's gratifying to make a positive impact in people 's lives through offering prudent financial planning advice.
I have practiced as a financial planner for 26 years. I specialize in advising:
Retirees and individuals within 10 years of retirement, and
Small business owners and self-employed professionals.
I provide advice on cash flow planning, retirement, tax and estate planning, personal risk management and employee benefit plans for business owners.
For most people, their cash flow is not an unlimited resource. Therefore the most important aspect of Behavioural Cash Flow Planning is helping my clients prioritize where their limited cash flow should be spent. This will help them achieve their life's goals and objectives and enjoy their money to the fullest.
My dream is to retire and be able to travel extensively as well as spend the winters in a warm tropical location.
The most common areas where I help you my client is:
Structuring your investment portfolio effectively to achieve your long term goals while also minimizing the risk required to achieve them;
Helping reduce your income tax payable to the required minimum, which also involves preparing your income tax returns;
Ensuring you and are adequately insured against death, disability and critical illness;
Saving for the post-secondary education of your children;
Ensuring you will not outlive your money in retirement and that the required tax payable on your retirement income is minimized;
Planning for the expedient and tax minimized transfer of your estate to your beneficiaries and favourite charities; and
Helping you prioritize your spending objectives so that the cash is available to fund both your long and short-term goals.