

Julia Chung, CFP®, CLU®, FEA, TEP
Partner, Sr. Financial Planner
Specialties:
Retirement Planning
Private/Family Business
Cross-Border Planning

Sandi Martin, BA, CFP®, CFDS™
Partner, Financial Planner
Specialties:
Retirement Income Planning
Family Goal Planning

Kathryn Mandelcorn, FMA, PFP®, QAFP™
Cash Flow Strategist
Specialties:
Money Coaching
Cash Flow Planning

Darryl Brown, CFA®, BComm
Portfolio Strategist
Specialties:
Investment Consulting
Portfolio Analysis
Connect with us
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
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!!
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.
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.
Our Process

What We’re Writing
How much has the pandemic hurt your retirement plans?
To see how much has COVID-19 has impacted retirement plans, Toronto Star delve into the retirement portfolios of two couples who were affected by the pandemic.
Safety and Security
Learn how to achieve peace of mind through our value this month, safety and security. We go through how this value can show up for you in cash flow, portfolio management, risk management, and in your estate.
2021 January Update
The year 2020 showed us just how unpredictable life can get. Therefore, this year, we’re starting off with a plan to designing your life around your values. And of course, Sandi shares her top reads this month with the intention of clearing your heads and reducing your stress.