
Our Mission
Conflict-free financial planning equips you to make educated decisions about your future with the information available to you today.

Our Mission
Conflict-free financial planning equips you to make educated decisions about your future with the information available to you today.

What We Do at Spring
To treat you as the unique person you are by listening, understanding what’s important, and working together to create your life, well spent.
We don’t sell products , accept commissions, pay or receive referral fees, or earn affiliate income.
We’ve been running a practice management peer-mentoring group since early 2016…it’s how we met, in fact!
- Comprehensive Financial Planning
- Retirement Income Planning
- Cross-Border Planning
- Family/Private Business Planning
- Portfolio and Cash Flow Audits
Our Process


What We’re Writing
Design Thinking: Income & Cash Flow
by Kathryn Mandelcorn | February 19, 2019 | Budgets, Cash Flow, Debt Management, Design Thinking, Personal Financial Planning | 0 Comments
Design Thinking: Taxes
by Julia Chung | April 22, 2019 | Design Thinking, Income Tax, Personal Finance | 0 Comments
January’s Top Reads
by Sandi Martin | January 14, 2021 | Accountability, Affordability, Book Review, Canadian Personal Finance News, COVID-19, Income Tax, Personal Finance, Planning in Action | 0 Comments
For this month’s Top Reads, Sandi Martin shares a list of a variety of articles on topics from using habits to reduce stress, the benefits of laziness, to sharing some insights about the market, and persisting in the fight for a just society.
Design Thinking: Retirement
by Sandi Martin | March 12, 2019 | Design Thinking, Personal Finance, Relationships, Retirement Planning | 0 Comments
October’s Top Reads
by Sandi Martin | October 14, 2020 | Budgets, Debt Management, Front Page | 0 Comments
Book Review: We Need to Talk by Celeste Headlee
by Sandi Martin | July 16, 2019 | Book Review | 0 Comments
Integrated Investing by Bonnie Foley-Wong Book Review
by Sandi Martin | May 21, 2020 | Book Review, Front Page, Investing | 0 Comments
Book Review: Mindset: The New Psychology by Carol S. Dwek
by Kathryn Mandelcorn | October 23, 2018 | Book Review, contentment, Personal Financial Planning, Relationships | 0 Comments
The Math and Strategy of Retirement Planning: A Case Study
by Sandi Martin | December 3, 2020 | Case Study, COVID-19, Front Page, portfolio review, Retirement, Retirement Calculators, Retirement Planning | 0 Comments
Wouldn’t it be great to figure out your retirement, set it… and forget it? As we mentioned in November’s Rebuilding Retirement case study, retirement isn’t a destination. It’s an ongoing process.
Book Review: Living Your Dream by Larry Wilson
by Sandi Martin | March 16, 2020 | Book Review, Personal Finance | 0 Comments
Portfolio Review and Investment Manager search: A Case Study
by Julia Chung | September 22, 2020 | Case Study, Front Page, portfolio review, Portfolio Second Opinion | 0 Comments
What We Want for You in 2019
by Spring Plans | January 28, 2019 | Design Thinking, Goal Planning, Personal Finance, Retirement Planning | 0 Comments
Book Review: The Laws of Wealth by Dr. Daniel Crosby
by Sandi Martin | March 5, 2019 | Book Review, Financial Literacy, Personal Financial Planning | 0 Comments
Book Review: The Year of Less by Cait Flanders
by Sandi Martin | November 20, 2018 | Accountability, Big Picture, Book Review, contentment, Debt Management, Personal Finance | 0 Comments
Book Review: The Soul of Money by Lynne Twist
by Kathryn Mandelcorn | May 24, 2018 | Book Review, Budgets, Cash Flow, Relationships | 0 Comments
Design Thinking: Retirement Income
by Sandi Martin | September 20, 2019 | Big Picture, Design Thinking, Personal Finance, Retirement Planning | 0 Comments
What We Want for You in 2021
by Julia Chung | January 19, 2021 | Case Study, Front Page, Goal Planning, Personal Finance, Planning in Action, Retirement Planning | 0 Comments
This year, what we want for you is to help you clarify your values and structure a plan that aligns with your values.
Disabled Child: Financial Planning for Long Term Care
by Julia Chung | August 19, 2020 | Case Study, Disability, Disabled Child, Front Page, Long Term Care | 0 Comments
Design Thinking: Charitable Giving
by Julia Chung | October 15, 2019 | Big Picture, Design Thinking, Personal Finance | 0 Comments
May 2020 Update
by Julia Chung | May 26, 2020 | COVID-19, Design Thinking, Monthly Spring Update | 0 Comments
Book Review: The Financially Empowered Woman by Tracy Theemes
by Karen Richardson | September 13, 2019 | Book Review | 0 Comments
Book Review: Wealthing Like Rabbits by Robert R. Brown
by Krysten Merriman | March 7, 2018 | Accountability, Book Review, Budgets, Debt Management, Personal Financial Planning | 0 Comments
Book Review: The Value of Simple by John Robertson
by Sandi Martin | August 21, 2018 | Book Review, Financial Literacy, Personal Finance | 0 Comments
Market 2020 Clinic
by Darryl Brown | October 28, 2020 | Big Picture, Cash Flow, COVID-19, Front Page, Investing, Wealth Management, Webinar | 0 Comments
Book Review: The Age of Surveillance Capitalism by Shoshana Zuboff
by Sandi Martin | August 15, 2019 | Book Review | 0 Comments
Financial Intimacy by Jacquette Timmons: A Book Review
by Sandi Martin | October 6, 2020 | Big Picture, Book Review, Financial Intimacy, Financial Literacy, Front Page, Relationships | 0 Comments
Cross-Border Finances: A Case Study
by Kathryn Mandelcorn | July 23, 2020 | Case Study, Cash Flow, Cross-Border FInances, Front Page, Income Tax | 0 Comments
Line of Credit Debt Case Study
by Sandi Martin | April 17, 2020 | Case Study, Cash Flow, Debt Management, Front Page, Meaningful Spending | 0 Comments
Portfolio Second Opinion: A Case Study
by Darryl Brown | June 24, 2020 | Case Study, Front Page, Personal Finance, Portfolio IQ, Portfolio Second Opinion | 0 Comments
Book Review: Retirement Income for Life by Fred Vettese
by Sandi Martin | November 5, 2019 | Book Review, Retirement Planning | 0 Comments
Design Thinking: Your Business and Disability
by Julia Chung | May 27, 2019 | Cash Flow, Design Thinking, Disability, Personal Finance | 0 Comments
Design Thinking: Business & Money
by Julia Chung | August 20, 2019 | Big Picture, Cash Flow, Design Thinking, Personal Finance | 0 Comments
Rebuilding the Ideal Retirement: A Case Study
by Julia Chung | November 16, 2020 | Case Study, Front Page, Personal Finance, portfolio review, Portfolio Second Opinion, Retirement | 0 Comments
Two retirees find themselves rebuilding their ideal retirement after a series of market fluctuations and poor insurance advice.
Book Review: Daring Greatly by Brené Brown
by Sandi Martin | September 18, 2018 | Book Review, Financial Literacy, Personal Finance | 0 Comments
Book Review: Living Debt Free by Shannon Lee Simmons
by Sandi Martin | January 15, 2019 | Accountability, Book Review, Budgets, Personal Finance | 0 Comments
Retired Widow: Case Study
by Sandi Martin | March 19, 2020 | Case Study, Front Page, Personal Finance, Planning in Action, Retirement, Retirement Planning | 0 Comments
Design Thinking: Estate Planning
by Julia Chung | June 20, 2019 | Big Picture, Cash Flow, Design Thinking, Personal Finance | 0 Comments
Renovation, Kids, and Cash Flow: Case Study
by Kathryn Mandelcorn | February 20, 2020 | Case Study, Cash Flow, Goal Planning, Personal Finance, Planning in Action | 0 Comments
Design Thinking: Post-Retirement Income
by Sandi Martin | November 21, 2019 | Big Picture, Design Thinking, Personal Finance, Retirement, Retirement Planning | 0 Comments
Design Thinking: Emergency Preparedness
by Sandi Martin | July 19, 2019 | Big Picture, Cash Flow, Design Thinking, Personal Finance | 0 Comments
2020 September Update
by Julia Chung | September 28, 2020 | Front Page, Monthly Spring Update, Personal Finance | 0 Comments
Book Review: Worry Free Money by Shannon Lee Simmons
by Sandi Martin | April 3, 2018 | Book Review, Budgets, Goal Planning, Personal Finance | 0 Comments
Book Review: Profit First by Mike Michalowicz
by Kathryn Mandelcorn | October 4, 2019 | Book Review | 0 Comments
What We Want for You in 2020
by Spring Plans | January 28, 2020 | Case Study, Front Page, Goal Planning, Personal Finance, Planning in Action, Retirement Planning | 0 Comments
Helping Parents Achieve Retirement: A Case Study
by Julia Chung | October 20, 2020 | Case Study, Front Page, Retirement, Retirement Planning, Wealth Management | 0 Comments
Variable Income Case Study: Terri
by Karen Richardson | May 25, 2020 | Case Study, Cash Flow, Debt Management, Personal Finance, variable income | 0 Comments
Book Review: Your Digital Undertaker by Sharon Hartung
by Sandi Martin | January 15, 2020 | Book Review | 0 Comments
December’s Top Reads
by Sandi Martin | December 8, 2020 | Book Review, COVID-19, Relationships, Retirement, Retirement Planning | 0 Comments
Design Thinking: Investing
by Sandi Martin | May 23, 2019 | Design Thinking, Investing, Personal Finance, Personal Financial Planning | 0 Comments
Book Review: The Power of Habit by Charles Duhigg
by Julia Chung | April 23, 2019 | Accountability, Big Picture, Book Review | 0 Comments
After going through this process, I feel like I have a much better understanding of my financial picture. I so wish that I would have done this years ago!!
There’s no pressure to purchase any investment or insurance through her or any associate she has introduced us to; but rather an assessment and guidance on plans we have for the future.
Well, it’s been a year since we came to see you last and enacted our plan and we are writing to tell you that we are DEBT FREE on November 1ST ON SCHEDULE!!!
Coming to see you, using your services, was the best decision we ever made as a couple. We can’t thank you enough. We couldn’t have done any of it without you. Thanks, Kathryn.