Cash Flow Planning For Individuals, Families, & Business Owners
Debt Free Planning
A realistic plan to free yourself from debt once and for all and stop adding to it immediately.
Planned Spending
Budgets don’t work! Implement a sustainable cash flow plan that will change your life.
Increased Savings
With debt and spending under control, jumpstart your savings for retirement and other financial goals.
Kathryn Mandelcorn
FMA, Certified Money Coach, PFP®, QAFP™ | Cash Flow Strategies
After 15 years in banking, investments and financial planning, Kathryn began her work as a Money Coach in 2012 when she sought to provide cash flow planning advice not tied to the management of assets or the sale of products. She wanted to help people let go of their scarcity mindset, to articulate what they really wanted out of life, to get out of debt and to use money as a tool to support their values.
In late 2017, Kathryn joined Spring to lead Cash Flow Strategies and further enhance the lives of our clients. She helps transform habits with money to ones that are more liberating, truthful and mindful. She develops strategies and implements systems to manage money so our clients can save with intention and spend without guilt. She equips our clients to align their money with their values to live a life they love with the money they have now.
Kathryn is based in Port Moody, BC idyllically situated between her two favourite locales – the forest and the ocean. She is 5 minutes from a mountain bike ride or a paddleboard. She gets up awfully early to take her young son to hockey practice but takes comfort that it’s not year round and she still has lots of opportunity to travel.
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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
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...
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...
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
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
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...
Design Thinking: Estate Planning
Way back in January, we told you what we wanted for you in 2019: Permission to design your life Since then, we’ve given you so many different ways you can apply the concept of design thinking to your life, including investments, disability, taxes, retirement, and cash...
May 2019 Update
It has been an eventful month of May here at Spring, with tax season at an end and multiple statements, returns, and updates flowing in from all of you and your accountants. We hope you are as invigorated as we are about all the planning that you can do now that you...
Design Thinking: Your Business and Disability
When you are working on your business plan - or not working on it, as the case may be - the risks that you are usually considering are things like: How you’ll handle cash flow issues Where your next customer is coming from How you’ll manage staff Your next marketing...