For Individuals

Find money to fund your dreams.

 

If I can show you what is safe to spend…

…then, and only then will you feel safe to save.

Sound familiar?

“I’m not sure where my money goes at the end of the month.”

Sound familiar?

“I have debt, but also want to save for my future.”

What if there was a simple system that finally told you what TO DO, not just WHAT TO BUY!

Now there is…

A done-for-you, one-on-one 3-month money coaching program to help you build savings, decrease debt and create financial security designed with the money you already have, while spending guilt-free.

Are these important to you?

 

Vacationing & Travel

Imagine being able to take that trip every year without worrying how you’ll have to pay for it!

Reducing & Eliminating Debt

Finally being able to pay down your debts or loans automatically and systematically with confidence knowing you are paying this down as efficiently as possible.

Buying A Home

Setting aside money you didn’t know you had into a fund dedicated to a future down payment.

Savings & Investments

Learn how to save more, by learning how to spend well.

Living Stress-Free

Imagine achieving your dreams by focusing on one number!

Nodding yes? Then this program is for you!

1. Cash Flow Discovery & Financial Awareness

You will be given access to my cash flow software where you will begin by entering in your monthly financials. Don’t worry, simply use your best numbers to start. I will also review your most recent statements to asses your financial wellness.

Other than gathering your files and inputting your data, you don’t do anything.

Next, I will do an in-depth analysis of your spending and savings to create a personalized behavioural cash flow report and action plan, tailored to your lifestyle and goals.

2. Your Spendwell Action Plan

Nobody likes to be put on a budget and that’s NOT what we are doing here!

Gone are the days of spreadsheets and telling you what you can’t do.

We create a personalized, behaviour based cash flow report and action plan for you, tailored to your lifestyle and goals.

You’ll receive your “spendable number” which represents your ideal weekly spending.

Your household expenses are coordinated into your plan giving you peace of mind that it’s all looked after.

3. Your 30-Day Cash Transformation

Now it’s time to improve your relationship with money and implement The Spendwell Action Plan.

During the next month, you’ll experience the freedom and peace of mind focusing on one number - your “spendable number”.

Each week on the same day you’ll withdraw your weekly “spendable number” in cash.

How does “Spendwell For Individuals” work?

4. Deliverables

Every Spendwell Cash Flow Plan will include an Asset-Map. The visual experience will make is easy to “see” what you have in place and what may need some work.

As a licensed independent financial advisor, I’ll provide objective advice on any existing planning, investments, and insurance you have in place, and discuss what may be missing.

You’ll been provided with your very own custom report. After I review your strategy with you, a copy will be available to read and download at any time.

5. Coaching & Support

During your 3-month transformation you’ll have my full support.

We will have 3, 60-minute meetings full of education and Q & A with unlimited email and text support during that time in addition to a 60-day cash flow follow-up to ensure you’re still on track.

 What’s Included

  • We create a personalized, behaviour based cash flow report and action plan for you, tailored to your lifestyle and goals.

  • A visual experience that displays all of your household’s members, entities, financial assets, liabilities, cash-flows, and insurance policies on one easy to read page.

  • If necessary, we will build a debt reduction strategy integrated within your behavioural cash flow plan.

    We will act on the most efficient pay-down strategy for your unique situation and unify this expense with all your other household expenses.

  • If applicable, let me adopt-your-mortgage. It may sound strange but most mortgages are left unmanaged.

    We stay manage our investments regularly but why do we not manage what is likely the largest investment we have?

    For some reason, once we negotiate our mortgage agreement (sometimes frantically I might add), we leave it untouched for up to 5-years. That’s crazy!

    Now that we are cash flowing’, let’s extend this plan an integrate mortgage management.

    *For those who don’t have a mortgage, let’s take these same principals and “adopt a home savings strategy” today!

  • Should you choose ongoing support beyond the initial set-up of your plan, my cash flow software affectionately called “Winton” used to initially gather your full financial picture and build your strategy will now be available to you at any time.

    Make updates and keep me in the loop whenever major events create change in your financials, or if you want to create new goals.

    Immediately, we can determine the effects this might have on your cash flow.

Start a new relationship with your money now.

A Financial Picture is Worth a Thousand…

Research has shown that visuals can be an effective learning aid, and we believe better learning is the first step toward better financial behaviour.

An Asset-Map Report is a visual experience that displays all of a household’s members, entities, financial assets, liabilities, cash-flows, and insurance policies on one easy to read page.

Included in every Spendwell Plan