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Financial Management

Financial Management is the analysis of your current and expected future budgets.  It will provide insights into your propensity to spend, save and assume debt obligations.  Lifestyle expenses which cause a cash flow deficit present risk to the client in the sustainability of maintaining that lifestyle.  Cash flow surpluses present opportunities to allocate extra funds to strategies meant to either speed up the attainment of a goal or increase the overall size of that goal, like an inheritance or charitable donation.  Tax Planning along with Financial Management can increase a household's disposable income allowing for greater savings each year, increased funds available for investment deposits and the compounding affect of having greater capital invested over the lifetime of the Plan.


Through the analysis of financial records (bank/investment statements, mortgages, loans, etc.) and a detailed summary of your annual spending habits I will create the following documents to help assess your current financial position in order to identify areas causing constraint or potential opportunities that may be available to better align financial your goals;

  • Net Worth Statement

    • Review of your Current Assets vs Current Liabilities​

  • Statement of Cash Flows​

    • Current and Projected Income and Expenses​

Points of Interest

  • Compare the client's goals with their current and projected financial position

  • Determine any cash flow shortages or surpluses in the projected cash flow analysis

  • Consider the affects of inflation on expenses

  • Identify strategies that can improve the client's cash flow situation like paying off high interest debt

  • Determine the viability of the client's goals given their budget and spending habits

  • Identify the source and adequacy of the client's emergency funds

$100,000 of annual expenses with 2% inflation becomes $181,136 in annual expenses after 30 years of compounding.
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