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MAKING YOUR FUTURE
A SUCCESS

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Cash Flow Planning

Behavioral Cash Flow Planning provides specific advice on your ...

Insurance Planning

Insurance is essential to any comprehensive financial security...

Wealth Management

These accounts can be used for ‘savings’ or ‘investments’ depending...

Retirement Planning

Whether your retirement is 30 years away or tomorrow, We want...

The Best Way To Predict The Future Elanda Kowalchuck Financial
Planning For The Future

Planning Futures

We have years of experience helping clients prepare for the unknown while meeting their financial goals. Ask us about:
Financial Planning
Cash Flow Planning
Investment advice
Retirement planning
Life Insurance planning
Estate planning

Money Mindset: Seven Distinct Financial Personalities

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?

Why Choose A Behavioral Cash Flow Plan

Top 10
Reasons

1.

You have a major life goals that require saving for.

2.

You have not maxed out your Tax Free Savings Account

3.

Your retirement is not fully funded, meaning you can’t prove for sure that you have enough to retire.

4.

You’re retiring in the next 10 years and will have to live at least partially off invested assets.

5.

You have turned down recommended insurance, because it is cost prohibitive.

6.

Your retirement goals and plans are based on replacing a percentage of pre-retirement income rather than your actual expenses projected into the future.

7.

You’ve withdrawn invested money or stopped an investment strategy for reasons other than what that money being accumulated for.

8.

You take out car loans and you are 10 years into your career.

9.

You are not stinking rich and cannot burn money just for fun.

10.

YOU DON’T HAVE A BEHAVIOURAL CASH FLOW PLAN!

Comprehensive Approach Elanda Kowalchuck Financial
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.

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Certified Cash Flow Specialist

Smarter Spending
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."

Sound Familiar?

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.

Getting Started

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!
Service First and FOREMOST

Committed to Service

Every successful financial strategy starts with an excellent client relationship. Our mission and values are to provide every client with reliable and honest service that exceeds their expectations.
Reliable
Honest
Experienced

Our Latest Case Studies

We help you see the world differently, discover opportunities you may never have imagined and achieve results that bridge what is with what can be.

Get Started Today Elanda Kowalchuck Financial
Work with ELANDA KOWALCHUK FINANCIAL TODAY

Get Started Today

Elanda Kowalchuk Financial Insurance & Investments

    WE ARE THERE FOR YOU

    Meet Your Elanda Kowalchuk Financial Team

    We are a Financial Planning firm located in the Beautiful Okanagan Valley
    Licensed in British Columbia and Alberta.

    ZakusKowalchuk
    Elanda Kowalchuk
    OWNER, CFP, CCS, CEA

    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