Meet the Spring Planning Team
In 1997, Julia got her first taste of the financial services world – and loved it. She took her career through multiple investment firms and credit unions, trying nearly every role she could find and taking advantage of all the education available. In 2011, she left traditional financial services to form a fee-for-service financial planning firm in partnership with an accounting firm in order to serve more people in a conflict-free environment. Just a few years later, she took JYC Financial entirely independent, and a few years after that… merged with Spring Personal Finance to become Spring Financial Planning.
Julia is also co-founder of Admin Slayer Services, a virtual business services firm and Spring’s “sister.” Along with Sandi and Krysten, she co-authored the “Women & Money” ebook, and with her co-founders at Admin Slayer, co-authored the “Art of Delegation” and “The Entrepreneur’s Survival Guide” ebooks. Julia loves to write and has held the role of Business Editor at two magazines, and has been frequently interviewed as an expert on Canadian finance for numerous publications, including BBC Capital and Global News. She’s been a finalist for several Wealth Professional awards (always a bridesmaid) and made the 2016 “Hot List” of 50 Leading Figures in Canadian Finance.
Julia divides her time among several locations in British Columbia, including Vancouver, White Rock, and Sechelt. She has a son in the first phase of adulthood, and is on the Empty Nester Starter Package, figuring out what the next chapter of her life might look like. It definitely involves financial planning, and hopefully, a lot of music.
- Women and Money eBook
- Video: Meet Julia
- Stress Test Podcast: How to crisis-proof your finances
- CBC’s “The Early Edition:” Managing our finances during the pandemic
- Investment Executive: Clients look to take advantage of low interest rates
- MoneyWise: Should I Cash Out My RRSP to Get Through the Coronavirus Pandemic?
- Global News: A Reader’s Question on Segregated Funds
Sandi started in banking almost by accident, and quickly realized that she could help clients or get good performance reviews…but not both. After almost ten years, tired of the cold calls, team meetings, and apologizing for how many credit cards she hadn’t sold that day, Sandi became an ex-banker (with an ex-pension) and founded Spring Personal Finance, an independent, advice-only financial planning practice to help ordinary Canadians make the best financial choices with the best information possible.
Based lakeside in beautiful Gravenhurst, Ontario, Sandi built a virtual practice so she could serve clients from across the country, while staying home to raise her three small (at the time) children. Five years later, Spring Personal Finance merged with JYC Financial to become Spring Financial Planning. The kids are also bigger.
Sandi is the co-host of the Because Money podcast, and co-founder of Autoinvest.ca (now sold), which helps investors compare the services of Canadian robo-advisors. Along with Julia and Krysten, she co-authored the ebook “Women & Money” in 2016. Well-known in the online world of finance, Sandi has strong opinions about regulation, sequence of return risk, expensive mutual funds…and just about everything else, come to think of it.
Sandi is a loud, frequent laugher, would like more time to read, and has a particular penchant for the ridiculous and goofy. She loves the great food her husband cooks, procrastinates by reconciling her bank statements, and can be found at the beach every summer evening.
- Women and Money eBook
- Video: Meet Sandi
- Because Money Podcast: Welcome to Parenthood
- Our City Tonight
- Global News: Sandi answers a reader’s question about managing her mortgage
- The Globe and Mail: Financial advisers filling unlikely role during health crisis
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.
- Video: Meet Kathryn Mandelcorn, Money Coach
- Stress Test Podcast: How to Survive the Gig Economy
- Ellen Roseman: Financial resources you can turn to in the COVID-19 crisis
- Golden Girl Finance: Can yoga make you a better investor?
- Globe and Mail: Tackling Debt Load After Divorce
- Yahoo Finance: Financial Savvy Gifts for Kids
As a child, Karen watched her mother pay bills and balance her cheque book every Sunday night at the kitchen table. The idea that weekly cash flow is the foundation of good management has remained with her throughout her life, heavily influencing her career and the advice she provides. Karen understands that people have multiple goals, and those goals can be achieved in multiple ways. She is committed to supporting clients in their financial journey, providing support and updates for many years after the original analysis and plan is created.
In early 2019, Karen joined the Spring Plans team after 7 years in the advice-only planning industry as a Money Coach and as an entrepreneur with a private practice.
Karen is based in Kenora, Ontario, working both in-person locally and virtually with Canadians from coast to coast. She shares her life with her three teenagers and husband on the Winnipeg River, where she is active in her community, sharing knowledge and volunteering as much as possible.
- Video: Meet Karen
- Global News: 6 ways to upgrade your COVID-19 summer
- The Globe and Mail: Karen answers a reader question on unsecured debt
- LowestRates.ca: Here’s why you should give your teenager a credit card
After business school, Darryl’s natural analytical skills led him towards completing the Chartered Financial Analyst (CFA) designation, which he quickly put to good use working in increasingly senior roles at large financial institutions. Making investment recommendations for portfolios in the tens of billions of dollars across products like mutual funds, annuities and pensions. Darryl specialized in the energy and infrastructure sectors.
For the majority of his career, Darryl was moonlighting as a “kitchen table advisor,” helping friends and family make sense of their investments and financial products. He helped them understand complex investing in simple and easy ways, providing advice they could trust. Marrying his expertise in financial analysis with his strong communication skills and accessible personality, Darryl saw first hand how rewarding and impactful this type of work could be. In 2017 he hung up his tie and left the corporate finance world to start You & Yours Financial where he offers thoughtful, independent and unbiased investment advice to individuals across the country.
In 2019, Darryl joined Spring to expand the investment expertise we can offer our clients. Darryl creates thoughtful investment commentary for our clients, offering a thorough analysis of your investments against your specific and unique goals and lifestyle.
Darryl lives in Toronto’s West end, enjoying all of the food, concerts and culture it offers. He is obsessed with all things aviation and has his personal pilot license. Enjoying a new foray into parenthood, he can’t wait to take his daughter flying.
- Webinar: Financial Markets and COVID-19
- Globe and Mail: Should we use a bank adviser to set up our child’s RESP
- Globe and Mail: How Investors with a Retirement Savings Shortfall can get in gear
- Globe and Mail: FIRE: Be prepared to save your brains out
- Daily Hive: Easy ways to protect your finances from a recession
- Global News: Index Funds, ETF’s and Robo Advisors
BA (Major: Business Administration) Lindsay is an administrative professional with a mind like a steel trap. Coordinating schedules, data and information for financial planners and clients alike, Lindsay is our control center, making sure that things happen as they should, when they should, and that everyone has what they need.
BA (Major: Psychology), CIFFA Certified – Jiveney is a marketing and administrative machine, organizing financial planners, as well as managing Spring’s newsletter, website, and social media postings. She ensures that our planners show up in the right places at the right times, that we actually write what we said we were going to write, when we were going to write it, and that it looks attractive by the time it gets to you.
Chris has been working independently in the fee-for-service financial planning space since 2015, specifically providing cash flow planning assistance and education to artists with variable income. Like many of his clients, he is an artist (an opera singer!), and it was recognizing the unique financial struggles of his brethren that brought him to finance. He also joined Sandi as a permanent Because Money podcast host last year.
Chris is focused on spending the next few years expanding his knowledge and experience. As an Associate Planner with Spring, he works on cases both behind the scenes and, with oversight from Julia and Sandi, directly with clients.
Ph.D., Associate Professor | Paraplanner
Areas of Specialty: Financial Planning, Financial Well-being
Jodi Letkiewicz, Ph.D., is an Associate Professor in financial planning at York University in Toronto and a paraplanner at Spring. She teaches and conducts research in the areas of personal finance, financial planning, and financial well-being. She specializes in debt and financing decisions around post-secondary education. Jodi is focused on gaining knowledge and experience in financial planning while helping clients learn to finance a life full of purpose and meaning.
She is an outdoor enthusiast and takes every opportunity to get out from behind her desk to bike, hike, run, surf, and just enjoy nature.
Operations Manager, Paraplanner
Tracey happily runs operations in the background – many of our clients never interact with her, but we’d be lost without her. With more than 20 years in financial services, she knows how to build businesses and keep them running.
BBA, Partner, Chief Marketing Officer
Krysten and Julia met in 2009, working at an investment firm in collaborative roles. Since then, they’ve dragged each other into every company and opportunity that they’ve encountered. Some teams just work well.
As co-author and designer of the Women & Money and Art of Delegation ebooks, Krysten is well-versed in creating useful, actionable communications and content in the world of finance and business. She takes an educational approach to finance and marketing, determined that her audience is looking for the right information to make great decisions. A creative mind with a fine-tuned computer behind it, Krysten is a digital native with a thirst for knowledge and an addiction to hard work.
At Spring Financial Planning, Krysten is the nitpicky tactical creative behind how we present to the world, managing everything from colour palettes to educational materials, data management, and the delicate construction of sentences.
- Women and Money eBook
- Admin Slayer ebook: The Art of Delegation
- Huffington Post: What Your Myers-Briggs Type Says About Your Investing Style
- LinkedIn: Nobody Cares About You or Your Fund
- Unsplash: Photography
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