Cash flow/debt management


The Behavioral Cash Flow Plan™ is a written document including specific advice on personal spending based on a standardized process that allows me to take into account your income, expenses, proximity to retirement (or other major goals) assets and liabilities and recommend how much you can spend on the things you can control in order to achieve your dreams. It includes specific and clear advice on both spending and debt repayment. A Behavioural Cash Flow Plan™ is NOT a budget. It is a plan that helps manage your day-to-day cash flow. It is a plan that takes into account financial obligations. A Behavioural Cash Flow Plan™ also provides guidance on future costs like purchasing your next vehicle, handling emergencies and planning for major expenses such as renovations with the exact amount you should focus on spending with expenses you can control.

Find you the money to fund your dreams!

  • Show you how to save tens if not hundreds of thousands of dollars in inefficient interest

  • Help you stop money leaks on stuff that doesn’t matter so you’ve got lots of money for the stuff that does

  • Finally tell you what TO DO, not just what TO BUY!


Have you ever felt that your financial goals or dreams are not 100% funded?

Do you feel like you make great money but are unsure where it goes at the end of every month?

The fact is, most people need a Behavioural Cash Flow Plan™ and rarely have one. Instead, we most

often deal with issues of cash flow after trouble has already hit. We buy the fire extinguisher

when the house is already engulfed in flames.

A fifteen-minute conversation can determine whether Behavioural Cash Flow Planning™ would

work for your situation.

Analyzing Graphs