Cash Flow Planning
Life Insurance planning
Why Choose A Behavioral Cash Flow Plan
You have a major life goals that require saving for.
You have not maxed out your Tax Free Savings Account
Your retirement is not fully funded, meaning you can’t prove for sure that you have enough to retire.
You’re retiring in the next 10 years and will have to live at least partially off invested assets.
You have turned down recommended insurance, because it is cost prohibitive.
Your retirement goals and plans are based on replacing a percentage of pre-retirement income rather than your actual expenses projected into the future.
You’ve withdrawn invested money or stopped an investment strategy for reasons other than what that money being accumulated for.
You take out car loans and you are 10 years into your career.
You are not stinking rich and cannot burn money just for fun.
YOU DON’T HAVE A BEHAVIOURAL CASH FLOW PLAN!
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.
With A Certified Cash Flow Specialist.
I have debt, but I also want to save for my future?
"I make good money, but I'm not sure where it goes at the end of the month."
"I'm nearing retirement, and I'm not sure if there is anything more I can do to prepare."
Certified Cash Flow Specialists are trained in behavioral cash flow management, which considers spending behavior while managing day to day cash flow.
Work with a Certified Cash Flow Specialists and you will get to start building a cash flow strategy and gain access to CacheFlo. Keep track of your financials and get personalized spending advice in the palm of your hand.
Your cash Flow Strategy...
Considers your spending behavior, income, debt, expenses, proximity to retirement, assets, and liabilities.
Gives you a spendable - an amount used for everyday expenses such as coffee, groceries or movie tickets.
Finds you money! Your money found will go towards your short- and long-term goals.
Think of a personal goal (e.g. family vacation, dinner at your favourite restaurant, tickets to an event)
Book an appointment to discuss your goals and financials.
After your appointment, you'll be invited to CacheFlo to share your financials, and a strategy will be created for you!
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Elanda Kowalchuk Financial Insurance & Investments
Meet Your Elanda Kowalchuk Financial Team
We are a Financial Planning firm located in the Beautiful Okanagan Valley
Licensed in British Columbia and Alberta.
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