How long have you been doing what you do and how did you get to be a Cash Flow Expert?
I have always been interested in helping people figure out what they want and then helping them get it. I have worked in recruiting, coaching, career counseling and as a birth doula. I have helped people find a particular job, create a positive birth experience or win a race.
When I joined Freedom 55 Financial in 2003, my goal was the same. As a traditional financial advisor and then as a Certified Financial Planner, my job was to help my clients plan for and set up their long term financial planning.
What I found was that the clients I loved to work with – busy families – were so caught up in the day-to-day of their finances that it was very hard for them to plan for the long run. When I made reasonable and helpful recommendations for insurance or investment strategies, they just didn’t know how they would pay for it.
Despite making really great incomes, often $150K – $300K, they were still living pay-cheque to pay-cheque. They felt out of control and overwhelmed. Intelligent people felt stupid when they couldn’t figure out how to make their money work.
So, I helped them with their cash-flow. By sorting out their day-to-day money lives, they could get to their goals – holidays, education savings, home renovations, retirement planning. Families needed help with cash-flow and no one was doing it – not the financial planners, not the accountants and not the banks.
In 2010, I became the first Certified Money Coach with Money Coaches Canada, transitioning fully to my fee-only practice, focused solely on money coaching. I no longer sell insurance or investments. I help families, individuals and groups make friends with their money with private client coaching, group programs, workshops and speeches. I have been interviewed for articles in numerous publications including Money Sense Magazine, Globe and Mail and Today’s Parent.