HOW CAN WE HELP?
INDIVIDUALS
Your situation is unique, so your financial plan should be tailored to you.
YOUNG & MATURE FAMILIES
We’re here to help you and your family with all your financial needs, from saving for your children’s education to caring for aging parents.
ENTREPRENEURS
You’ve worked hard to get here and we’re here to help. We make sure you have an integrated plan for your business and personal finances.
FRESH, NEW APPROACH
Comprehensive Approach
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 the month?
If you could make your money do anything in the next 12 to 18 months what would it do?
We help structure a financial plan that focuses on your true financial dreams while helping to simplify your daily spending and savings.

Services

CASH FLOW PLANNING
A Behavioural Cash Flow Plan is NOT a budget. It is a plan that helps manage your day-to-day cash flow. It includes specific and clear advice on both spending and debt repayment.

INSURANCE PLANNING
A tax free lump sum benefit payable to your beneficiary upon death. Life insurance is not for you, but for your loved ones, to help pay for your final expenses, debts and replace your income for a period of time.

WEALTH MANAGEMENT
Savings accounts are typically for shorter term needs and investments for longer term. However, your situation may require otherwise and it is important to understand you and your needs.

FINANCIAL PLANNING
We can help you determine where you are today in relation to where you want to be in the future, and we will help you build a plan to help you get there.
Meet Elanda Kowalchuk,
CFP, CCS, CEA
Financial Happiness Planner
Elanda Kowalchuk, specializes in behavioral cash flow planning and works closely with families, creating Financial Plans that provide insight and direction to help them achieve their financial goals. A graduate of the University of Calgary, Elanda holds a Bachelor of Arts in Psychology. In addition to her years of experience, Elanda holds her Certified Financial Planner (CFP®), Certified Cash Flow (CCS) and Certified Executor Advisor (CEA) designations
Money Mindset:
Seven Distinct Financial Personalities
Take The Quiz To Find Out:
Regardless of education level or income, most financial decisions we make are directly correlated with our personality. Spending patterns, debt-repayment strategy, investment decisions – these aren’t only influenced by income and assets. They are also directly related to your Money Mindset. What kind of personality type do you have when it comes to the way you think about money?





