Hans-Michael Schnell is the creator of Spendwell Cash Flow & Profit Coaching, Independent Financial Advisor, Mortgage Agent (LIC # M1100600) and Certified Cash Flow Specialist (CCS) 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.
So, who am I?
About me
After working for two decades in the financial field for organizations such as Merrill Lynch, CIBC Wood Gundy and London Life, Hans has truly learned what he believes to be the key to financial happiness – and it’s not recommending the flavour of the week; it’s a complete lifelong economic process.
Whew! That was a mouthful…Basically, what we are trying to say. Hans believes that the solution to building wealth doesn’t only come from one product, one decision, a specific rate of return or a single strategy. It requires financial coordination.
It’s how well you connect with the real people you're trying to help and communicating your understanding back to them.
Believe it or not, it's not all about finance for Hans. Prior to entering the industry, Hans spent five years south of the border on an athletic baseball scholarship. After school, he came back home and played eight years for the historic hometown Toronto Maple Leafs of the Intercounty Baseball League.
Hans is also very passionate in the start-up and freelancer community. As an entrepreneur himself, he understands how difficult it can be to be your own boss. He believes that together we achieve more and is an advocate of collaboration and loves innovation. He believes that if you want to make a change in your life, in your finances or even in the world – it starts with you!
Why behavioural cash flow?
Have you ever wondered why your paycheck seems to disappear by the end of the month, even though you’re making good money? You’re not alone.
Many of my clients come to me frustrated and confused, feeling that they should be able to accomplish more with the income they earn.
They’re not seeing the progress they want towards their financial goals, and they often end up thinking that a traditional budget is the answer.
But here’s the reality: Budgets don’t work for most people because they are rigid and fail to consider human behaviour.
The problem.
The financial industry has long focused on selling financial products as standalone solutions, often treating them in isolation rather than as part of a comprehensive plan.
These products are essential for moving your financial plan forward, but they are frequently sold without considering your overall financial health, goals or knowing the appropriate amount you should or can spend on these tools. It’s like being sold to rather than being planned for.
Can your current financial advisor report to you on your spending patterns and how they affect your short-term and long-term dreams?
Many advisors focus on transactions rather than the holistic picture, and traditional budgeting often gets touted as the solution to daily and monthly money management. Yet, simply cutting out a coffee a day isn’t the key to financial freedom. Instead, it’s about understanding your affordability and how your money works for you.
The solution.
A Behavioural Cash Flow Plan!
Unlike traditional budgeting, a behavioural cash flow plan is designed with human behaviour in mind.
It’s a simple, effective system that shows you exactly what you can safely spend each month. This approach not only takes the stress out of managing your money but also helps you uncover funds you didn’t realize you had.
Education
SOUTHERN ARKANSAS UNIVERSITY + NORTHWEST MISSOURI STATE UNIVERSITY
Bachelor of Science (B.SC)
SOUTHWESTERN COMMUNITY COLLEGE (IOWA)
Associate of Arts
What People Are Saying
“
Hans helped me organize my money in a way that I've never done before. I now have an account for my taxes, my HST and I also have an account for vacation!
I know exactly how much money to keep and where, every month. It's an organizational tool that has helped me immensely.
”
— AMANDA CORDNER
“
My finances used to be all over the place. With Hans, financial planning just became more fun! He explained things so I would understand them and adapted my plan to my way of life.
Who would have thought, just give your money a job!
”
— CHRISTY PAWLUCH
“
Back many moons ago when I was a single mother, working in Toronto as a hairstylist. My hands were my money makers and I needed to be making money.
One day after working on about twelve (12) clients everything changed, and my wrist just gave out. I was basically done with hair for about a year waiting to have surgery (to release a tendon, I had dequirvain’s tendinitis).
If I hadn’t opened up a disability insurance plan I would’ve been in serious trouble. You buy insurance hoping you’ll never need it, but if you do you’re very happy it’s there.
Thanks to the insight of Hans, you really saved us!
”
— DEBY BASTAS
“
Hans has helped me create a stable financial platform and taught me about the importance of preparing for my future.
Hans takes a passionate approach to financial planning and he has customized a plan for me based on my goals and aspirations.
As a new business owner, Hans has been there to guide me through the ups and downs of the entreprenuerial cycle. Speaking from his personal experience and using his education, he has guided me in the right direction towards success and has helped me make important business decisions. He is always there to answer any questions I may have in a way that I will understand.
It’s comforting to know that I will have Hans in my life for the years to come guiding me not only financially but also giving me personal advice on how to succeed as a small business owner. I have and will continue to recommend Hans to my family and friends.
”
— NICOLE ENMAN
Chat with me
There’s no commitment, pressure, or obligation.