Cash Flow Plan

WHY A CASH FLOW PLAN WILL CHANGE YOUR LIFE AND WHY YOU NEED ONE!

OK  – TRUTH TIME! I love financial planning BUT the truth is that what looks great on fancy paper in REAL LIFE RARELY works!!

Sure, me and 18,000+ other CFP’s in Canada can put together a nice SHINY financial plan with all the bells & whistles, full of pie charts and graphs and don’t forget our beloved spreadsheets. However, the reality is that most plans go sideways before they even get implemented and make their home at Iron Mountain or magically turn themselves into sad paper confetti that graces your lonely banana peel at the bottom of the rubbish bin…..

Sigh.

Even if you can implement a brilliant financial plan, then there’s always circumstantial change that happens in the first year or first day (emergency sale at Nordstrom’s) and then BOOM – your plan isn’t worth the paper it’s printed on. Need a new roof? Car breaks down? You ended up pregnant by mistake? (OOPS – That one is very expensive!!)

Plus all those lovely 100-page-illustrations that your financial advisor killed a few trees for and are just to illustrate this one point – that inevitably every client who’s ever visited a financial advisor at some point in their lives get: “LOOK MR. & MRS. CLIENT, YOU’LL BE WORTH MILLIONS! You just have to cut back on EVERYTHING YOU EVER LOVED, like Starbucks and Coach Purses! I’m going to need to put you on a BUDGET!”

GASP!

Budgets are worse than diets!

I cringe too! Because I like Starbucks, purses, AND shoes, and I will throw myself off a cliff if I don’t get my coffee – let alone let a financial advisor tell me I can’t have coffee and have to go on a BUDGET! {insert profanity of choice}

This is how it usually goes.

Until NOW!

I have been a financial advisor for over 15-years, and non-stop on courses and learning everything I can about the economy, business and the financial world in general and all the financial products out on the market and collecting a few letters behind my name in the meantime. I have seen it all  – or so I thought.

The TRUTH is that deep down I knew financial plans were always great on paper, but they didn’t really resonate with my clients.

Retirement is a word that doesn’t inspire anything. It’s for old people. It’s too far away. I’ve got time on my side. It’s a word that governments and big banks use to scare us into saving for a future that is UNDEFINED.

Do you know anyone who has actually defined what they want to do in ‘Retirement’? No, neither have I. It sounds boring – and quite frankly I’d rather be watching Netflix.

Life is not about retirement. Life is about making a difference, living out our passions and dreams.

Today.

Now.

Not in 10, 20, or 30 years.

Now.

Almost a year ago I was introduced to CASH FLOW PLANNING, a process created by The Money Finder – and for the FIRST time in my financial career did I finally piece together a few great ideas I’ve heard before into a concept that makes sense and that will actually do more than just lip-service to the world of financial planning.  I took the training and became a CCS – Certified CashFlow Specialist™!

I didn’t really fully believe in financial planning, and budgeting. Sure the financial planning process is great, but where the rubber meets the road? Nope. I never really bought into it, because I can’t really name one person in REAL LIFE that actually followed a financial plan or budget for more than a day, week, month. Even our government or large corporations don’t follow their budgets most of the time!

Budget is a CURSE word to Cash Flow Planners!

Cash Flow Planning is something different!

This is NOT your grandmother’s financial plan!

This is NOT a boring financial plan from your commercialized bank!

Cash Flow Planning is about DREAMS, not accomplishments. Accomplishments will be the side-effect of your Cash Flow Plan.

It’s a paradigm shift from eye-rolling-boring-big-bank-stuff to exciting-change-your-life-and-fund-your-dreams!

Cash Flow Planning is about seeing dreams become reality in less than a few years – definitely sooner than age 65 (unless you are 63!)

Getting your own unique Cash Flow Plan will change the way you think about money, use your money and the relationship you have with money because a Cash Flow Plan deals with Behavioural Psychology as well as the numbers. It already takes into account the fact that you love your Starbucks coffee and your purses and you don’t want to live with a paper bag over your head to make your financial dreams a reality.

I love the study of Behavioural Finance because it just confirms what we already inherently now. We humans will always take the path of least resistance and we want instant gratification! Sure, we can overcome this, but at the end of the day we are all similar – we want SIMPLE & EASY!

Why Cash Flow Planning is awesome:

• Create financial clarity – figure out why you are ‘saving’ money to begin with!
• Get more LIFE from your money!
• Reduce financial stress & worry!
• Start funding your dreams in a real way!

Do you make ‘good money’ and not know where it goes each month?

Do you want to fund your dreams and get more life from your money?

Do you feel like your personal finances are all product and no plan?

Do you want financial clarity?

If you answered “YES” to any of those questions, then Cash Flow Planning is for you!

 

CLICK HERE TO FIND OUT IF CASH FLOW PLANNING IS A FIT FOR YOU!

GET STARTED HERE!