I will help you get clarity about what your truly want, develop a strategy to get there, build a contingency plan on how to react to unexpected financial events, and give you the confidence in making sound financial decisions specific to you.Most advisors think of financial planning as a one-time event. They prepare an elaborate plan, which is usually obsolete by the time they deliver it and the plan is rarely looked at after the fact.We take a different approach. First, we will help organize your finances. Clients often lack efficiency in their financial plan because their tax advisor, bankers, insurance advisor, investment advisor do not communicate with each other. As a result, they have disorganized financial advice and financial products that they do not understand. Once we organize the personal and business finances, we find on average, an extra $1500 - $3000 monthly for the client from reducing inefficient spending.

I help you understand how you think and feel about money. The way you think and feel about money affects the financial decisions you make every day. When you understand what your money means to you, you can make clear, smart choices about your financial life.As a behavioural financial coach, I am there to act as your emotional circuit breaker, reassuring you of the validity of the financial plan. Using your defined financial plan as an anchor, I will help you set clear expectations and ensure that you understand that market performance is not the ultimate goal. I will help you understand each step of the financial planning process, from goal setting and time frames to tax implications.By understanding your values and beliefs about money, we will address risk and return opportunities on an emotional level. For example, is a small increase in return worth the added stress that a higher-risk strategy entails? Does it make sense to purchase a larger home or is your current lifestyle more important? A financial coach can provide a much-needed boost to self-control along with the flexibility to change strategies as your financial situation changes. Behavioral financial coaching focuses on behavior change, executive attention, goal setting, and goal monitoring.

As an Elder Planning Specialist, I help clients address life transitions, whether it is joining the workforce, starting a business, transitioning after the loss of a family, or making the decision on when to retire.  These transitions do not stop at retirement.  Elder planning requires us to help break down the different types of transitions and decisions, and using my skills and knowledge to complement other professionals to best serve their clients.

Emphasis on the Holistic Nature of Business and Personal Financial Life planningWe certainly understand that portfolio management is an integral part of any successful financial plan, but it isn’t the only element that contributes to success. The fact is that we coordinate and provide advice on many other elements of your financial life such as retirement planning, estate planning, income tax planning, risk management, cash flow planning, philanthropy, investments not actively managed by Exceedia Consulting Ltd. such as pension plans, and many other areas.Our integrated personal and business financial plan incorporate all of the elements of a personal comprehensive financial plan while at the same time integrating the assets and income of a business owner’s operating company and/or holding company.While many business owners recognize the importance of personal financial planning, they are often too busy growing their businesses to spend much time doing personal and/or business planning and, as a result, miss potential planning opportunities. Some of the common questions we can help answer include the following:How much and what type of income should I be withdrawing from my company?Should I wind up my holding company?What are the tax and other implications to my business if I were to die tomorrow?Do I have enough life insurance? Should my business own life insurance?Does my will deal properly with my business?How can I avoid taxes at death?If you are a business owner, contact us to further discuss how our holistic financial plan will benefit you.

After three years of developing a financial advisor practice management program, Jesse Vu found that the biggest barrier for most advisors was managing the administrative tasks. Despite having access to CRM and financial planning software, most systems out there have a steep learning curve that deters advisors from using them long term.Happy Advisor Inc. was borne from the frustration of implementing compliance and workflow processes with new and experienced advisors who were not always comfortable with change. Jesse Vu created a software program that is simple to use and reduces the administrative time of advisors by up to 75%