Meet the Spring Planning Team
In 1997, Julia got a 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 Sandi’s firm, Spring Personal Finance, to become Spring Plans.
Julia co-authored the Women & Money ebook with Krysten and Sandi, and regularly writes most of the content in our blog. With Krysten, she co-authored two ebooks on business: The Art of Delegation and The Entrepreneur’s Survival Guide.
Julia has held the role of Business Editor at two magazines, co-founded 4 companies in addition to Spring Plans, and regularly contributes as a speaker to multiple events across the country. Julia is a board member at Family Enterprise Canada, and chairs the FEA Council committee to the board. She and Sandi are both founding members of the Financial Planning Association of Canada, as well as board members and executives.
Julia spends most of her time in BC, has a son in the first phase of adulthood, and is on the Empty Nester Starter Package. She’s still figuring out what the next chapter of her life might look like. It definitely involves planning, writing, 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 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 that merged with JYC Financial in 2017 to become Spring Plans.
Sandi, Julia, and Krysten co-authored the ebook “Women & Money” in 2016, and continue to co-author and create articles and resources through industry publications and the Spring Plans website. They founded the Advice Only Planners Forum in 2014, a knowledge sharing and collaboration network that has since come under the Financial Planning Association of Canada’s umbrella as a special interest group, with regular monthly meetings and peer support.
In 2014, Sandi began co-hosting the Because Money podcast, which ran for six seasons (but no movie), and co-founded AutoInvest.ca, a free online tool designed to help Canadians determine the best robo-advisor for their unique situation, which she sold in 2017. Sandi is a dedicated volunteer and Executive Board Member with the Financial Planning Association of Canada, and with the District of Muskoka’s annual tax clinics.
Based lakeside in beautiful Gravenhurst, Ontario, Sandi works virtually with colleagues and clients from across the country, while escaping frequently to take her three kids canoeing.
- 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
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.
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 Plans, 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
Recent Blog Posts
Julia participated in a panel discussion at the Globe and Mail: Money Matters event on June 20, discussing “income endurance” with several industry specialists. Her panel begins at 59:39.
Ah, beautiful Summer. It’s been a bit quiet around here and we couldn’t be happier about it. We believe Summer is the time to rest, relax, and reinvigorate so you have energy for the upcoming Fall. Join us as we chat about our R&R (reflection and reading, of course!).
Inflation is on everyone’s mind. How can you manage your finances through ambiguity and change? Also, we’ve got a big change on our team, ways to plan your summer, think about retirement, pick your investment manager, and help Ukrainians in crisis.