Disabled Child: Financial Planning for Long Term Care

Disabled Child: Financial Planning for Long Term Care

In this month’s case study, we’re sharing the financial story of a family with a disabled child who will require long term care. Before we introduce you, we’re circling waaay back to the beginning of the year (was that just eight months ago?!), when we let you in on...

Cross-Border Finances: A Case Study

Cross-Border Finances: A Case Study

Cash Flow for Cross-Border Finances Leela is finally doing her dream job, consulting to international companies on how to create inclusive environments within their organizations. She also helps her clients deal with internal biases and speaks to large audiences...

Intentional Money Management – July’s Great Reads

Intentional Money Management – July’s Great Reads

Sandi’s Great Reads have been legendary here at Spring. We always look forward to her list of reads - she’s such a great curator. She’s also reading a lot more than the rest of us, so we thought we’d start giving her a hand. Going forward, the rest of the planning...

June 2020 Update

June 2020 Update

  What a month, what a year. It’s hard to be a person right now, and it’s hard to be mindful, goal-oriented, and thoughtful about our futures. It’s times like these that, more than ever, we need to rely on our plans. We gave our thoughts on all of that in last...

Portfolio Second Opinion: A Case Study

Portfolio Second Opinion: A Case Study

Welcome back to another case study! If you’re new here, our case studies involve mushing together similar client stories, scrubbing away any identifying details, and sharing how we’re helping Canadians in various financial situations with cash flow, retirement...

May 2020 Update

May 2020 Update

The Spring team kicks off each calendar year with a post we call What We Want for You in… *current year.* For 2020, we wanted you to have practical examples of design thinking - the implementation of last year’s theme - so that you have some of the tools you need to...

Variable Income Case Study: Terri

Variable Income Case Study: Terri

We’re back with another case study, this time with “Terri.” Terri is 42 years old, single, and works as a pharmaceutical rep earning commission income that varies wildly from month to month. With variable income, it’s hard to save money without knowing when the next...

April 2020 Update

April 2020 Update

Has it only been a month since our last update? It feels like several decades have passed. The sheer volume of information we’ve received and amount of change that has occurred since the beginning of March 2020 has easily outstripped what we would have experienced in...

CERB and COVID-19 Cash Flow Clinic

CERB and COVID-19 Cash Flow Clinic

Note: For more information on the coronavirus and how it relates to your finances, see our dedicated COVID-19 resource page.  Cash Flow Clinic Transcript Kathryn Mandelcorn (KM) 0:16 Good afternoon everybody, everybody’s admitted in, we are recording this call. So...

March 2020 Update

March 2020 Update

We hope this newsletter finds you as well as you can possibly be. It’s only been a month since our last regular newsletter, and so much has changed. Things are changing on a daily basis now, and there’s a great deal of uncertainty in the air. At Spring Plans, we have...

Financial Markets & COVID-19

Financial Markets & COVID-19

Note: For more information on the coronavirus and how it relates to your finances, see our dedicated COVID-19 resource page.  Financial Markets and COVID-19 Q&A Transcript 0:00 Thanks for joining this call to review what’s going on in the financial markets, and...

February 2020 Update

February 2020 Update

If you’re a regular reader, you’ll know that we spent a few days at the end of January and beginning of February reviewing our 2019 and thinking about our 2020. We were lucky to be able to bring together seven of our team members from across the country for strategy,...

Renovation, Kids, and Cash Flow: Case Study

Renovation, Kids, and Cash Flow: Case Study

Every year, we give some thought to what we want for you in the year ahead. We proceed to spend the rest of the year riffing on that subject, hoping that multiple perspectives on a singular concept will provide the means for you to integrate it into your lives. This...

What We Want for You in 2020

What We Want for You in 2020

Have you ever heard someone say, “yeah, well - as soon as you get the financial plan, it’s out of date, so why bother?” We have. More times than we can count (although, interestingly, we hear it from other financial professionals more often than from clients). It’s...

January 2020 Update

January 2020 Update

Happy 2020! Happy Year of the Rat! Happy EVERYTHING! If you’ve been reading along with us for a few years, you’ll already know that Julia is of the opinion that the time between January 1st and the Lunar New Year (January 25 this year) is our “practice run”.  It can...

Big Shiny Numbers 2020

Big Shiny Numbers 2020

Welcome to 2020!  Each new year comes with a new set of numbers and this year - which is either the last year of an old decade or the first year of a new one, depending on who you’re talking to - is no different.  Here are some Big Shiny Numbers for Canadians this...

December 2019 Update

December 2019 Update

Your Spring Plans newsletter arrives a little earlier than usual this month because we are very hopeful that you have the opportunity to walk away from your email and enjoy some relaxation in the last few weeks of the year. Of course, we know you’ll want a few things...

Your Design Thinking Action Plan

Your Design Thinking Action Plan

All year long, your Spring Plans team has been using the concept of Design Thinking to contemplate many different aspects of your personal finances.  Why Design Thinking?  The answer has remained the same all year long: because we want you to have permission to design...

November 2019 Update

November 2019 Update

The last few weeks of 2019 are upon us! We hope you’re feeling less stressed and more in control of your life and your finances this season than you’ve ever felt before. If not, please know that you’re not alone and our cash flow planning team is here to help you...

October 2019 Update

October 2019 Update

Well, that’s it. We are truly in the thick of it now.  It’s holiday season. If you’re here with us in Canada, you’ve just packed away your Thanksgiving dishes, cast your vote in the federal election, and may have already started carving pumpkins for Halloween. If...

Introducing Darryl Brown

We are so excited to announce - as you may have seen already on our home page and in our social media channels - that we have another great expert on our team at Spring Plans. Please join us in welcoming: Darryl Brown, Director of Portfolio Strategies Darryl is a...

Design Thinking: Charitable Giving

Design Thinking: Charitable Giving

Autumn is a great time to think about charitable giving. As you are someone who plans ahead (or really, really wants to), getting these thoughts in place before the insanity of the holiday season truly hits your life and your pocketbook can help you focus on what’s...

Book Review: Profit First by Mike Michalowicz

Book Review: Profit First by Mike Michalowicz

As a business owner, how many times have you wondered why you have little to no profit at the end of the month or year? Especially when your accountant has shown you a profit on your financial statements but you are left wondering where that profit actually is!  In...

September 2019 Update

September 2019 Update

Phew! What is with September? All that back to school/back to work/questioning where time even went after much lounging (we hope!) throughout the brief but spectacular Canadian summer can be A LOT. Thankfully, your team at Spring Plans is here to help you wade through...

A Week in the Life of Karen

A Week in the Life of Karen

Tuesday, September 3rd 5:50 am I wake up because it is pouring outside and I sleep pretty close to a big window. Even though it is Tuesday, my schedule dictates it is more like a Monday. Labour Day was yesterday, and in the part of Ontario where I live, the first day...

August 2019 Update

August 2019 Update

Are you READY for September??? No, neither are we. In a work sense, absolutely, but are we done with summer? Not at all. For that reason, your team at Spring Plans brings you… a newsletter with the goal of extending that warmest of seasons for just a little bit...

Design Thinking: Business & Money

Design Thinking: Business & Money

Got a business? Self-employed? Looking at a side hustle? Your money just got a whole heck of a lot more complicated. But, not to worry, your friendly neighbourhood financial planners are here to help.  In the months and years ahead as you grow your empire, your...

July 2019 Update

July 2019 Update

We love, love, love summer. It might seem odd, given that our name is “Spring,” but there is a method to the madness. See, we love summer so much that we spend a lot of time planning for it, to get it right and to maximize our enjoyment. It is the same approach we...

June 2019 Update

June 2019 Update

You made it! You’re halfway through 2019, and by the time this newsletter reaches you, will have already experienced the longest day of the year. Your sunshine time is shrinking now - get out there and take advantage! After all those start-of-summer, Father’s Day, and...