“This designation is going to make an impact on the debt problem plaguing this country, one person at a time. It’s time to take control and be liberated.” I chose to become a CCS™ because the impact of changing a client’s spending behaviours provides everlasting success.

Professionals like Gardner show clients how to figure out what they can spend on the things they control in their lives and help them prevent unintentional spending on things they don’t necessarily care about. All the while showing them ways they maybe able to free up money—through saving on taxes or consolidating their debt. This freed up money can fund the financial plans many dream of but can’t afford.

Financial plans are more than product, it is a clear and concise direction with a well-detailed forecast of cash inflows and outflows to be sure people do not outlive their money.

At Wealth By Design Financial, we tailor our clients plans to accomplish and protect what is important to them. Cash flow planning is how we paint a picture to our clients for their financial roadmap.

Cash Flow Planning is important to my business because everyone has a goal, a plan, a dream for the future but often they are without vision and action items.

I am different because I take the time to guide clients in their goal setting; I surround myself with like-minded professionals and strive to make a difference in each clients life.

As a Certified Financial Planner, my focus is to help clients reach their dreams and goals. Using Cash Flow planning is particularly important as it is a fundamental building block in the financial planning process.

As the creator of the Significant Life System™ and author of Wealth Management for Business Owners: Keeping Your Profits in Your Pockets, I believe helping you to maximize your financial potential starts with understanding and being effective with the cash flow you have now.

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.

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”.

Zena Amundsen is a Certified Financial Planner, Certified Divorce Financial Analyst, and a Certified Cashflow Specialist.

Her experience and education match her passion. She brings a level of personal care and honesty to the table. Her practice is based on an attitude of abundance, which she describes as working in prudent possibility, with a clear understanding of the vision in mind.