Featured Advisor

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


Valentin wants to help you reach your dreams faster. One of the best ways to do that is to make sure that none of your hard earned, after tax, money is wasted (lost) from your cash flow forever on interest and on other inefficient jobs!

This is a strategy that we have always offered to our clients, because it has ZERO risk and only positive outcomes.

Valentin started his career in financial services in 2007 by helping his clients become completely debt free in 1/3 to ½ of the traditional time.

He quickly realised that once people have a good, risk-free plan to become debt-free, they need to plan for the future beyond debt freedom. He researched and found the best long-term financial strategy called Bank On Yourself™. He became a Bank on Yourself™ Authorized advisor in 2011 and never looked back.

Valentin has been featured on “Pay Yourself First” on Cogeco TV, “We Talk Money” on WE TV, and has been holding free, public Orientation educational talks on outside the box financial products and services since 2008.

Valentin is a father of one grown son and grandfather of two beautiful grandchildren. He is also married to Simona, his partner in business for the last 25 years.

Together Valentin and Simona put a holistic plan in place to ensure cash flow, risk and investments are working towards the clients’ goals.

Valentin is located in Halton Region in the GTA (Greater Toronto Area) and can work remotely with people all over Canada and the USA.

Why Behavioural Cash Flow Management™?

When we asked Valentin why he wanted to be a CCS™ he said:

Cash Flow Planning & Debt/ Interest Elimination is something I have been doing for over 10 years with my clients.

What attracted me to the Behavioural Cash Flow Plan and motivated me to add the CCS Designation and process to my practice is the consistency of the process and the financial education that my clients get while going through the process. It is a “teach a person how to fish” approach that will stay with my clients for the rest of their lives.

What Problems I Solve:

Valentin’s ideal clients are:

  • Business owners of small and medium businesses that understand that the status quo in financial services offered by traditional financial services providers does not work for them and want to do something different.

  • Home owners that are not willing to spend hundreds of thousands of their hard earned, after-tax, dollars on the interest on their mortgage, loans, credit cards and so on…

  • Doctors, dentists, chiropractors, lawyers, realtors, and other professionals that are making a good income and want to see more life from their money.

  • Families with children that feel there must be something better out there than RESPs, something that can really help their kids succeed in life, beyond just university/ college education.

  • Pregnant partners or parents that want to create generational wealth for generations to come.

  • People that are replacing their vehicles every 3-5 years that really want a better option than leasing, financing or even paying cash for their cars.

  • Baby boomers around 10 years from retirement that want a health check or a second opinion of their financial retirement plans.

  • Anybody that has been let down by the alphabet soup financial products and really want a strategy that requires no luck, skill or guesswork in order to have a secure, guaranteed retirement.

  • Canadians who understand that INVESTING is not SAVING for retirement and are not comfortable taking risks with money they cannot afford to lose (their retirement account), however, still want a strategy that offers a good and guaranteed growth for their retirement plans.