Personalized service without shame or blame - we're here to help you.

We also adhere to Protection of Personal Privacy laws for Canada.

In-person consultations.
Online option available via skype.

In our consultations, you will receive:

• Personal true assessment (in our relaxed home-office setting, or via your own private home to ours on skype) of your own current financial situation. This may be emotionally difficult to look at on paper, but the first step to getting your life in financial order is to admit that whatever you are currently doing isn't working for you at the moment - it's okay! You can make it better if you want to!
  
  You will need to provide any receipts/bills that you have, and will be asked to keep a daily spending journal for at least 30 days.
  
  
• Options for spending reduction and savings you never thought possible, or may have known but didn't think you could pull off.
  
  
• Simple options for increasing your income, to help pay off debt and grow your financial future.
  
  
• More advanced employment planning to become employed, find a different job, or gain a promotion.
  
  
• Options for how to enter the real estate market (your most important investment of your life), without increasing what you are currently paying for rent each month. (yes, it's possible!)
  
  
• Assistance in coordinating your debt repayment efforts, and in lowering your monthly bills.
  
  
• On-going consultations and check-ins to keep you motivated and on track - financial coaching as long as you need it.
  
  What you WON'T get:
  
  
• We will not sell you any stocks, mutual funds, or other financial products. We are not licensed for that, and those are for investing your savings - first things first, you need to get control of your day-to-day money.
  
  
• We will not offer far-fetched unrealistic savings plans like some financial planners would suggest.
  
  We are "life skills coaches" with a financial focus to improve your month-to-month quality of life. We're sure we can improve your financial position by even just $50 per month (but probably more). $50? Sounds like nothing, right? That's $600 each year!
  
  
• This service is aimed at everyday people, including low income earners, to simplify, improve, and de-stress their lives through taking control for themselves and gaining financial stability.
  
  
• Costs for our services will be based on your current financial situation and our assessment of your possible future savings. Minimum fee: $150 (but if we can save you $600 per year or more, every year, isn't that more than worth it?)
  
  
• Maximum fee: we will not charge more than half of what you can save per year with our services. And if we can't save you at least $500 per year, it's free. So yes, it's totally worth it.