Cash Flow Planning is something that is missing for most everyone. We tend to figure out our finances ourselves, listen to the media, our parents and friends. There often is not a professional who will help us, only those who offer various products. Although we need those products we don’t necessarily understand why. As a CCS™ I am able to provide something that has been missing for people; debt and cash flow management.

Stephen Devlin is a value-based Licensed Life Insurance Broker and Wealth Architect, passionate about self-empowering his clients to achieve financial control for life by educating and coaching them on key financial principles and cash flow optimization strategies. He is regarded as Canada’s leading expert in implementing the Bank On Yourself® and Infinite Banking® concepts and engineering multi-figure strategic wealth plans. Stephen has been honoured with a privilege only a handful of advisors have as a member of the international organization the Million Dollar Round Table, the prestigious status of Court of the Table.

With over two decades of experience in the financial services industry I am committed to all people achieving sustainable wealth. By becoming a CCS™ I can assist clients to take action on their life, and provide tailored financial planning, and solutions to help them reach their short, medium and long-term goals.

As a Certified Financial Planner providing comprehensive planning advice to a diverse clientele, I have seen many clients struggle to elevate their financial positions.

I wanted to be a CCS to assist my clients in identifying their more important lifestyle expenditures, which will allow them to prioritize their spending so they may be able to achieve their financial objectives. My additional licensing in insurance and investment services allows me to continue to guide them through their financial journey.

I entered the financial services industry in 2005 immediately my graduation from the University of British Columbia. I hold the Certified Financial Planner (CFP) designation and the Certified Cash Flow Specialist (CCS) certification. Among my peers, friends and family, I am best known for my commitment to professional excellence, leadership in the community, and my passion for helping others.

I am an active member of her industry professional association, Advocis– The Financial Advisors Association of Canada, and I’m a qualifier for the Million Dollar Round Table – The Premier Association of Financial Professionals. I’ve been a longstanding Kiwanis Club of Vancouver member who has carved my niche in the organization by working extensively in the area of youth initiatives. I am also fully conversant in Cantonese.

Cash flow planning is essential for everyone’s financial journey, as it reflects how you manage money daily. The real question is: Is your current approach helping you achieve your goals?

A proper cash flow plan can reduce stress, improve decision-making, and enable you to reach your goals while enjoying life today. I’m dedicated to helping Canadians achieve financial freedom through unbiased, personalized advice that aligns with their goals.

Angie has been spreading her expertise passionately as a financial educator for the past 18 years. The addition of a CCS designation has allowed her to help clients achieve their financial dreams without painful “budgeting”.

I believe that everyone deserves financial peace of mind.  

I'm here to help take the hardest step, the first one. As a Certified Cashflow Specialist and co-founder of TvH CacheFlo Solutions, I help my clients achieve their financial goals and live their best lives. That's why I'm excited to include Behavioural Cash Flow Strategies as part of my practice.  It is a powerful tool that helps clients understand their spending habits, identify their values and priorities, and align their cash flow with their goals.

“We can help people in many ways and yet if they feel like they aren’t getting enough life from their money, then we haven’t done a complete job for our clients.”

Janet is the founder of Equuis Wealth Management. Her passion is teaching people how to save money and create wealth. Janet works with each of her clients on an individual basis to develop an understanding of what holds them back in achieving their financial goals.

"I know if I wasn't in the position I'm in and I was seeking financial advice, I would love someone to show me a way to structure my finances that was hands off, would remove any stress of managing finances, and show me how to maximize my lifestyle. Maximizing lifestyle is the most important thing to most of us,"

Seabrook developed his passion for finance while attending the University of Northern British Columbia,where he graduated in 2009 with a Bachelor of Commerce and a double major in Accounting and General Business. Currently, he works with Assante Wealth Management in Prince George, British Columbia.

"Think about it... People die too soon or live too long. Either way, proper planning can ensure the continued quality of life for you and your family. I am here to help you."

I am a Certified Financial Planner, CFP, which is the highest internationally recognized Financial Planning Certification, and a Certified Cash Flow Specialist, CCS, which is the official standardized approach to Cash Flow Planning. In 2004, and as part of his succession plan, I joined my father, the founder of Buddy Hulscher & Associates. I enjoyed seven years of working with him until he lost his battle with prostate cancer at the young age of 74. His successful succession plan saw the smooth continuation of service to our clients. I have endeavored to retain his core values which include integrity, honesty, objectivity, and reliability.

In my financial planning practice, I focus on working with adventurous families who prioritize living life to the fullest, both now and in the future. I believe that we should die with zero, meaning that we should be spending our money and living life in alignment with our values all the way through, not just at retirement. I guide and support these families through an ongoing and comprehensive financial planning process to help them manage their money effectively, plan for their next adventure, and navigate life's unexpected financial challenges.