Our Mission

We believe that you need the tools to create financial success on your own terms.

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

Our Mission

We believe that you need the tools to create financial success on your own terms.

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

Julia Chung, CFP, CLU, FEA

Julia Chung, CFP, CLU, FEA

Partner, Sr. Financial Planner

Areas of Specialty: Retirement Planning, Private/Family Business, Cross-Border Planning

Sandi Martin, CFP

Sandi Martin, CFP

Partner, Financial Planner

Areas of Specialty: Retirement Income Planning, Family Goal Planning

Kathryn Mandelcorn, FMA

Kathryn Mandelcorn, FMA

Director, Cash Flow Strategies

Areas of Specialty: Money Coaching, Cash Flow Planning



Connect with the team on social media

What We Do at Spring

We believe that you need the tools to create financial success on your own terms…whatever they may be. Although our process is the same with every client, the outcomes are always delightfully different, and as unique as the people we have the privilege to work with every day.

Your values are the driving force behind any recommendations we make.

We want our recommendations to our clients to be influenced only by what’s in your best interest, and never by the potential for referral fees or third-party compensation.

We don’t sell products , accept commissions, pay or receive referral fees, or earn affiliate income.

We sincerely believe that financial planning – done well – can benefit everyone, and are actively invested in mentoring and developing new financial planners.

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


More than just document collection, we want to understand your personality, values, and strengths so our work together is productive and valuable.


We roll up our sleeves and dig in, putting our expertise to work in testing our assumptions and developing concrete recommendations for you to follow.


Your plan is only the beginning. We’re here to help implement your action list and adjust your plan as life unfolds.

What We’re Writing

Quick Update: Retirement Income Interview

In case you've been missing Because Money (on hiatus as we plan for Season Three), I just did an interview with Kornel Szrejber on retirement income planning, and we managed to squeeze a few laughs out of what is traditionally a less-than-hilarious topic. Some of the...

Fill in the Blank (Part One): I Don’t Want to Spend Money On…

At first glance, it sounds like an incredibly stupid exercise, I grant you. Um, I don't want to spend money on insurance, on my mortgage payment, on those never-ending, teeny-tiny little school activity requests that dribble home every other day, on fixing my car...

Salesman or Advisor?

The point of this post: If your financial advisor is paid a commission based on what products they sell to you, instead of a straight fee for their advice, that advice is compromised by self-interest. What if I told you that your otherwise competent and experienced...

A Little Discouragement To Start You On Your Way. You’re Welcome.

The point: Learning to live on a budget is hard. Pretending it's not is stupid, and counter-productive, and will eventually end up being the reason you quit. Let’s talk about the most important part of personal finance: debt repayment investing budgeting. I’ll wait...

Because Money Episode 21 | The Rise Of The (Not) Robo-Advisors

This month, we were delighted to welcome Michael Katchen of WealthSimple to the show to talk about what's wrong with the asset management industry, how he and others like him plan to break it, and why regular Canadians who, for whatever reason, shouldn't or can't DIY...

RESP Rules & Tips with Sandi Martin & Julia Chung

Summer is the best time to learn about saving for post-secondary education. Julia Chung and Sandi Martin chatted with Modern Advisor on July 21st. Click here for the recording.

Free Money for School: A Guest Post for Renegade Planner

Julia Chung from Spring Financial Planning is excited to provide a guest post for Renegade Planner, a “Startup Concierge” that helps businesses grow and learn.  Jessica Oman, the founder of Renegade Planner, is providing tips and information to her business owner audience on personal finance, something that really does confuse everyone.

Julia’s article “Free Money For School: Yes, Even Entrepreneurs Can Save for Their Children’s Education” provides a clear outline of how to use the RESP (Registered Education Savings Plan) to maximize grants, reduce taxes, and pay for post-secondary school.

When You Can’t Afford Your House, Do this

If you’re in a cash flow bind, you don’t want to wait too long before you take action. But you should take some time to calculate the size of the problem. “A lot of times people don’t really look at their expenses,” said Julia Chung, a financial and estate planner with Spring Financial Planning in British Columbia in Canada. “They have a hard time managing the numbers.”

The Secret to a Successful Financial Plan

The daily practices of a life with direction can either be onerous, and chafe so much that you give up or grumble your way through a miserable life, or you can settle into them with an attitude of contentment and get happy on the way to your goals, not just when you eventually reach them.

What do YOU want?

It sounds like an easy question.

The Because Money Podcast | Episode 11: Home Buyer’s Plan

In this week's episode of The Because Money Podcast, we finally got to fight a little. Agreeing all the time is so boring, isn't it? What did we cover that was so controversial? Only the Home Buyer's Plan, that allows you to withdraw up to $25,000 tax-free from your...

New Love: A Retirement Dream – or Nightmare?

You’ve found true love in your 60s.  It might be a dream come true, but there’s far more to consider than just companionship. BBC Capital interviewed Julia Chung from Spring Financial Planning for her tips on starting successfully.

Important Changes to the Principal Residence Exemption

On October 3, 2016, Finance Minister Morneau announced new measures to address the housing market, with the intention of improving fairness and integrity of the tax system as it relates to the principal residence exemption. The changes include new reporting requirements, modifications to the calculation of the tax-free amount for individuals based on a residency requirements, and an extension to the period in which a reassessment may occur.

If You’ve Ever Tried and Failed at Budgeting

If you've ever tried and failed at budgeting, or if you've never tried at all because it sounds so hard and boring, this post is for you. Those of you with a budgeting system that works and that you possibly even love and want to have babies with are excused for the...

How (Not) to Consolidate Debt

The point: it doesn't matter what method you use to pay off debt, or if you use any method at all. What matters is that you stop creating new debt. It's out there: the mathematically precise, strictly rational formula for paying off your three credit cards, small car...

Profiting from Real Estate

Planning on earning a fortune in the real estate market? Read this first. 

Three Great Reads You Might Have Missed

It's great to be back in the reading saddle again, and have I got some outstanding pieces for you! For those of you who are new around these parts, I'm a reader. (My friend Noel asked me the other day if I'd gotten to the last page of the internet yet. I haven't, but...

December’s Great Reads

  A shorter list this month, because if you’re not baking and shopping and partying and preparing I want you to be relaxing. But if you’re relaxing already and want something good to read, you might enjoy reading about the beauty of re-gifting, budgeting like a...

Income Splitting with Spousal Loans

Ah, tax strategies. Eyed with hopeful suspicion by the uninitiated, a tax strategy can feel like a fun Spy Vs. Spy game - but that other spy? That’s the government. Many a newly minted spy would consider backing away from anything that might have you facing that...

What I want for you in 2018

For 2018, I want you to have time. Sweet, precious, time. And understand me: I don’t want you to have more time, or productive time, or fulfilling time - all good things, don’t get me wrong, but not the kind of time I so desperately want for you. No, the kind of...

Family Values: How to Pay For a Large Family

Want to have four, five, even six children? Plan ahead and make some smart decisions early to ease the financial burden. Full article on BBC Capital: Family Values: How to Pay For a Large Family...

Now What?

Hi Sandi I know you are often looking for article ideas and I'm wondering if you would feel in the mood to write something to motivate folks who are doing okay, have a plan, no debt,....but need to avoid the temptation to go into debt (aka buy a cottage). It's nice...

August’s Great Reads

I love my reading list this month, I really do. I know I say that almost every month, but guys: there’s some real gold in here for everyone, whether you’re spending the month of August toiling away at work like you do every month, relaxing in a canoe or on a beach...

November’s Great Reads

I noticed when I was reviewing the articles I’d marked for sharing with you lovely people that there’s a pretty heavy behavioural finance theme in this month’s reading list, so if you’re a fan of behavioural finance theory, you’re in for a treat. If you’re not a...

Money Matters: Take Control

Julia Chung’s article in the Spring 2016 PowHerHouse magazine outlines the basics of goal setting.

Valuation – How Much is Your Company Worth?

Ever wondered how to do a company valuation? Mary Gamble, Chartered Business Valuator at iValue Solutions, provides answers to common questions she receives from business owners.

January’s Great Reads

The New Year is always a really exciting, invigorating time for me. I’m that annoying chippy chipmunk who runs her annual spending summary on December 31st and who starts work on January 2nd with a really long list of the organizing she got done over the holidays...

Business Model, Schmizness Model

The point: Financial advisors who are compensated based on how much money you have invested with them have less time for the equally complex needs of less affluent clients. You know the old saw "you have to have money to make money"? Apparently you also have to have...

Because Money Podcast: An American in Paris (Ontario)

Julia joined the Because Money podcast to talk cross border planning, TFSAs and play silly money games with other money nerds.

How Much Do Mutual Funds Cost, and Relative to What? Part Two

The point: management expense ratios do a poor job of communicating the price you're paying for a mutual fund and the value you're getting in return. This is the second of a two-part rant, and you can find the first part here. If you walked into the grocery store...

September’s Great Reads

In my world, September is a BIG month. Summer effectively ends on Labour Day, the kids are at school, and it’s time for a hard reset (what I privately think of as a second New Year) to prepare myself for the whirlwind of the last three months of the year. In your...

Is my pension… a pension?

“I have a pension through my employer,” says Tim*, in a recent call. “But I don’t understand it.” If you’re like Tim, you’re not alone. In Canada, we have many different potential sources for retirement income, with all kinds of different names. Pensions can be...

I Feel For You, But Busy Isn’t an Excuse to Ignore Your Money

The point of this post: being busy doesn't excuse you from having to pay attention to your money. You know that feeling you get when your to do list is so long that you have to turn pages to see it all? When you're overwhelmed by the sheer volume of work that your...

On Hiring a Financial Planner

The folks at Mint.com interviewed me a few weeks ago about working with a financial planner, getting started on a financial makeover, and advice for beginners on investing.  When enlisting help to manage your money, what should you look for in a planner? You should...

Learn to Love the NOPE

There’s a mostly fun deluge of events, meals with friends, and parties just over the horizon, and, depending on what holidays you celebrate, what your family is like, and how much pie is involved, you might be looking forward to the end of the year with some...

July’s Great Reads

Another monster list for your July reading pleasure. These top three are the ones you shouldn't miss, but the whole list is down there...I'm sure you'll find something interesting on retirement income satisfaction, how to handle a windfall, surviving close encounters...

See, Now This Just Makes Me Angry

"If you were to assume that many experts use their information to your detriment, you'd be right. Experts depend on the fact that you don't have the information they do. Or that you are so befuddled by the complexity of their operation that you wouldn't know what to...

Violating the Foundational Tenets of Personal Finance for Fun and Profit

The point: There's no universal equation into which you can plug your details and receive a perfectly optimized solution to all your personal finance questions.     I still pay bank fees. (Hear that? That's the sound of ten thousand personal finance bloggers picking...

Women & Money ebook

On March 8, 2016, we released the Women & Money ebook in honour of International Women’s Day. It’s still relevant, and still free.

Distressingly Common Investment Advice

I was recently part of a presentation for financial advisors, put on by someone whose work I respect (and who I imagine probably would not have said this if he had had more time to think about it). Just before the end, this came out of his mouth: Words I just heard!...

February 11th: Living & Investing In the Trudeau Era

Join us for a free evening of cocktails, dinner, and insight on February 11th. RSVP today! tycuda@3macs.com 

Your Financial Advisor Might Be A Nice Person, But… (Because Money, Ep 13)

Last week's CBC Marketplace episode Show Me The Money took an average investor (with a hidden camera and glowing lights in her pants) into BMO, CIBC, RBC, Scotiabank, TD, Dundee Securities, Edward Jones, Investor's Group, Money Concepts, and Primerica shopping for...

An Admittedly Biased Argument in Favour of Banning Embedded Commissions and Instituting a Fiduciary Standard

The point: I stand to benefit if embedded commissions in mutual funds are banned, and if a fiduciary standard for advisors is enacted. I don't think it invalidates my argument, but - unlike some of the voices clamouring against the increased safety for investors - at...

October’s Great Reads

A real short list this month since we’re all still figuring out how this back to school stuff works (are those of you with kids surprised every year? I’m surprised Every. Single. Year.). You have to check out the top three, but if you have time for more there’s a...

Wealthing Like Rabbits: Book Review

Note: this is not a sponsored post, but I did receive a free copy of the book. There’s no shortage of personal finance books out there, and so many of them are nearly indistinguishable from the rest. Which make sense: the rules mostly stay the same, with occasional...

Julia Chung at PowHerTalks Victoria June 18th

We’re proud to announce that Julia Chung has been selected to speak at the upcoming PowHerTalks Victoria on June 18th! We invite you to join us at this powerful event.

The Best In Canadian Personal Finance News

The point: There are all sorts of people online that write all sorts of personal finance advice. I read about sixty posts a day, and share some of the best on Twitter, Facebook, and Google Plus. Jackson Middleton and I are collaborating to put the best Canadian...


Financial planning is misnamed. It really should be called Figuring Out How Much What You Want Out Of Life Will Cost And How to Pay For It By Finding The Happy Medium Between Doing What You Have To Do And Doing What You Want To Do. I imagine this will never take on....

Avoiding the Useless Retirement Plan, Step One

The point: A realistic retirement plan doesn't start with a number and work backwards; it starts with the question "why?" Quick, go to the personal finance section of you newspaper or feed reader and count how many articles and posts from last week start with the...

Working with Sandi was everything I hoped for. I felt like you got to know me well and very quickly. I feel like your recommendations reflected my current reality as well as my personality. That is, you didn’t recommend things that I would never commit to.

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!!

H. Bellerose

Having an impartial 3rd-party review our entire financial situation is one of the best business decisions my wife and I have made. We consider Julia our personal CFO and have incorporated her services into all aspects of our financial lives.

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.

C. Dewar

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.


K. & J. Shorrocks

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