[et_pb_section fb_built=”1″ _builder_version=”4.16″ background_image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2018\/01\/desmarais-financial-services-owen-sound-cash-flow-planning-hero-2.jpg” parallax=”on” custom_padding=”250px|0px|251px|0px” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”|700|||||||” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#ffffff” header_font_size=”50px” background_layout=”dark” custom_margin=”||0px|” header_font_size_tablet=”” header_font_size_phone=”40px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_divider color=”#d2ab66″ divider_weight=”7px” _builder_version=”4.16″ max_width=”10%” module_alignment=”center” height=”0px” global_colors_info=”{}”][\/et_pb_divider][et_pb_text _builder_version=”4.16″ text_font=”||||||||” header_font=”||||||||” header_2_font=”||||||||” header_2_text_align=”center” header_2_text_color=”#ffffff” header_2_font_size=”30px” header_3_font=”||||||||” header_3_text_align=”center” background_layout=”dark” custom_margin=”||5px|” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”75px|0px|75px|0px” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_padding=”30px|0px|45px|0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2018\/01\/tools_assets_yourOwnCCSLogos_CCS4.png” align=”center” align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” disabled_on=”on|on|on” _builder_version=”4.22.2″ module_alignment=”center” custom_css_main_element=”max-width:200px;” disabled=”on” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.22.2″ text_font=”||||||||” text_line_height=”1.3em” text_orientation=”center” custom_margin=”||15px|” global_colors_info=”{}”]We offer a service called Behavioural Cash Flow Planning\u2122.
\nI use a three step process to show you how to get\u00a0more life from your cash flow.[\/et_pb_text][et_pb_text disabled_on=”on|on|on” _builder_version=”4.22.2″ text_font=”||||||||” text_line_height=”1.3em” text_orientation=”center” custom_margin=”||15px|” disabled=”on” global_colors_info=”{}”]<\/p>\n
As a Certified Cash Flow Specialist (CCS\u2122) I offer a service called Behavioural Cash Flow Planning\u2122.
I use a three step process to show you how to get\u00a0more life from your cash flow.<\/p>\n
[\/et_pb_text][et_pb_text _builder_version=”4.16″ text_font=”Allura||||||||” text_font_size=”28px” text_orientation=”center” custom_margin=”|||” global_colors_info=”{}”]- Rachel Desmarais
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.16″ custom_margin=”|||” custom_padding=”30px|0px|30px|0px” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_button button_url=”#what-is” button_text=”What is a Behavioural Cash Flow Plan\u2122? ” button_alignment=”center” _builder_version=”4.22.2″ custom_margin=”|||” custom_padding=”30px|30px|30px|30px” animation_style=”flip” animation_direction=”bottom” button_text_color_hover=”#ffffff” button_border_radius_hover=”0px” button_bg_color_hover=”rgba(210,171,102,0.72)” global_colors_info=”{}” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_button button_url=”#10-reasons” button_text=”10 Reasons why you need a Behavioural Cash Flow Plan\u2122” button_alignment=”center” _builder_version=”4.22.2″ custom_margin=”|||” custom_padding=”30px|30px|30px|30px” animation_style=”flip” animation_direction=”bottom” button_text_color_hover=”#ffffff” button_border_radius_hover=”0px” button_bg_color_hover=”rgba(210,171,102,0.72)” global_colors_info=”{}” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” hover_enabled=”0″ sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_button button_url=”#get-started” button_text=”Get started with a Behavioural Cash Flow Plan\u2122” button_alignment=”center” _builder_version=”4.16″ custom_margin=”|||” custom_padding=”30px|30px|30px|30px” animation_style=”flip” animation_direction=”bottom” button_text_color_hover=”#ffffff” button_border_radius_hover=”0px” button_bg_color_hover=”rgba(210,171,102,0.72)” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”on” button_text_color__hover=”#ffffff” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”on” button_border_radius__hover=”0px” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” 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header_2_text_color=”#d2ab66″ header_2_font_size=”40px” custom_margin=”||10px|” header_2_font_size_tablet=”” header_2_font_size_phone=”30px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_divider color=”#d2ab66″ divider_style=”dotted” divider_position=”center” divider_weight=”4px” _builder_version=”4.16″ max_width=”22%” module_alignment=”center” height=”0px” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ custom_padding=”25.5938px|0px|50px|0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_line_height=”1.5em” global_colors_info=”{}”] The Behavioral Cash Flow Plan\u2122 is a written document including specific advice on personal spending based on a standardized process that allows me to take into account your income, expenses, proximity to retirement (or other major goals) assets and liabilities and recommend how much you can spend on the things you can control in order to achieve your dreams. It includes specific and clear advice on both spending and debt repayment.<\/p>\n
A Behavioural Cash Flow Plan\u2122 is NOT a budget. <\/strong><\/p>\n It is a plan that helps manage your day-to-day cash flow. It is a plan that takes into account financial obligations. A Behavioural Cash Flow Plan\u2122 also provides guidance on future costs like purchasing your next vehicle, handling emergencies and planning for major expenses such as renovations with the exact amount you should focus on spending with expenses you can control. [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”30px” text_orientation=”center” global_colors_info=”{}”]Case Studies [\/et_pb_text][et_pb_text _builder_version=”4.22.2″ text_font=”||||||||” text_text_color=”#000000″ text_line_height=”1.6em” ul_font=”||||||||” ul_text_align=”left” ul_line_height=”1.1em” background_color=”#d2ab66″ background_layout=”dark” custom_margin=”|||” custom_padding=”30px|30px|45px|30px” global_colors_info=”{}”]<\/p>\n Find you the money to fund your dreams!<\/p>\n Show you how to save tens if not hundreds of thousands of dollars in inefficient interest<\/p>\n Help you stop money leaks on stuff that doesn\u2019t matter so you\u2019ve got lots of money for the stuff that does<\/p>\n Finally tell you what TO DO, not just what TO BUY!<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ background_color=”#d2ab66″ custom_padding=”0px|0px|0px|0px” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb _builder_version=”4.16″ header_font=”||||||||” background_image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2018\/01\/desmarais-financial-services-owen-sound-cash-flow-planning-what-does-it-include.jpg” custom_margin=”||0px|” custom_margin_tablet=”||0px|” custom_margin_phone=”” custom_margin_last_edited=”on|desktop” custom_padding=”30px|30px|250px|30px” custom_padding_tablet=”30px|30px|250px|30px” custom_padding_phone=”” custom_padding_last_edited=”on|desktop” global_colors_info=”{}”][\/et_pb_blurb][et_pb_text _builder_version=”4.16″ text_font=”||||||||” header_font=”||||||||” header_3_font=”||||||||” header_3_text_color=”#d2ab66″ background_color=”#333333″ background_layout=”dark” custom_margin=”|||” custom_padding=”30px|30px|25px|30px” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.22.2″ text_font=”||||||||” text_text_color=”#000000″ text_line_height=”1.6em” ul_font=”||||||||” ul_text_align=”left” ul_line_height=”1.1em” background_color=”#d2ab66″ background_layout=”dark” custom_margin=”|||” custom_padding=”25px|30px|45px|30px” global_colors_info=”{}”]<\/p>\n A letter of engagement outlining the process and commitment of all parties<\/p>\n A written report that is easy to understand and use on a regular basis<\/p>\n Exactly HOW to alter your debts and cash flow patterns to achieve your dreams<\/p>\n A review process including a refreshed written plan<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/desmarais-financial-investments-slider.jpg” parallax=”on” custom_padding=”200px|0px|200px|0px” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”38px” text_line_height=”1.3em” background_layout=”dark” max_width=”50%” max_width_tablet=”” max_width_phone=”100%” max_width_last_edited=”on|phone” module_alignment=”left” text_font_size_tablet=”” text_font_size_phone=”33px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]Have you ever felt that your financial goals or dreams are not 100% funded? [\/et_pb_text][et_pb_divider color=”#d2ab66″ divider_style=”dotted” divider_position=”center” divider_weight=”4px” _builder_version=”4.16″ max_width=”22%” module_alignment=”center” height=”0px” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” custom_padding_last_edited=”on|desktop” _builder_version=”4.22.2″ custom_margin=”0px||0px|” custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|desktop” custom_padding=”30px|0px|0px|0px” custom_padding_tablet=”” custom_padding_phone=”0px|0px|0px|0px” use_custom_width=”on” custom_width_px=”779px” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.22.2″ text_font=”||||||||” text_font_size=”20px” ul_font=”||||||||” ol_font=”|300|||||||” ol_text_align=”left” ol_font_size=”18px” module_alignment=”right” custom_margin=”|20px||20px” custom_padding=”30px|10px|30px|10px” border_width_bottom=”2px” border_color_bottom=”#d2ab66″ border_style_bottom=”dotted” global_colors_info=”{}”]<\/p>\n Your retirement plan is not fully funded, meaning you can\u2019t prove for sure that you have enough to\u00a0 retire.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”20px” ul_font=”||||||||” ol_font=”|300|||||||” ol_text_align=”left” ol_font_size=”18px” module_alignment=”right” custom_margin=”|20px||20px” custom_padding=”30px|10px|30px|10px” border_width_bottom=”2px” border_color_bottom=”#d2ab66″ border_style_bottom=”dotted” global_colors_info=”{}”]You\u2019ve turned down insurance recommendations, because they are cost prohibitive. The fact is, most people need a Behavioural Cash Flow Plan\u2122 and rarely have one. Instead, we most [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ module_id=”get-started” _builder_version=”4.16″ background_color=”#333333″ custom_padding=”100px|0px|0px|0px” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_padding=”30px|0px|50px|0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” header_font=”||||||||” header_text_color=”#599ead” header_2_font=”|||on|||||” header_2_text_align=”center” header_2_text_color=”#d2ab66″ header_2_font_size=”40px” custom_margin=”||10px|” header_2_font_size_tablet=”” header_2_font_size_phone=”30px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_divider color=”#d2ab66″ divider_style=”dotted” divider_position=”center” divider_weight=”4px” _builder_version=”4.16″ max_width=”22%” module_alignment=”center” height=”0px” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”4″ make_equal=”on” _builder_version=”4.16″ border_color_all=”#f7f7f7″ global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#f7f7f7″ custom_padding=”|||” custom_css_main_element=”\/*outline-color: #d2ab66;||outline-style: solid;||outline-width: 3px;||outline-offset:5px;*\/||margin-bottom:80px!important;||border:5px solid #333333;||box-shadow: 0 0 0 3px #d2ab66;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”1″ _builder_version=”4.22.2″ header_font=”|700|||||||” header_text_align=”center” header_text_color=”#636363″ header_font_size=”26px” body_font=”||||||||” body_text_color=”#000000″ body_font_size=”20px” body_line_height=”1.6em” custom_padding=”|40px|50px|40px” custom_css_blurb_title=”background-color:white;||width:60px;||height:60px;||border-radius:50px;||padding: 14px;||margin:0px auto;||position:relative;||top:-30px;||border:3px solid #d2ab66;||” global_colors_info=”{}”]<\/p>\n First we\u2019ll have a quick phone conversation to discuss whether or not a Behavioural Cash Flow Plan\u2122 is right for you.\u00a0If I\u2019m confident I\u2019m able to make a big difference in your finances I\u2019ll invite you in for an initial consult.<\/span><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#f7f7f7″ custom_padding=”|||” custom_css_main_element=”\/*outline-color: #d2ab66;||outline-style: solid;||outline-width: 3px;||outline-offset:5px;*\/||margin-bottom:80px!important;||border:5px solid #333333;||box-shadow: 0 0 0 3px #d2ab66;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”2″ _builder_version=”4.16″ header_font=”|700|||||||” header_text_align=”center” header_text_color=”#636363″ header_font_size=”26px” body_font=”||||||||” body_text_color=”#000000″ body_font_size=”20px” body_line_height=”1.6em” custom_padding=”|40px|50px|40px” custom_css_blurb_title=”background-color:white;||width:60px;||height:60px;||border-radius:50px;||padding: 14px;||margin:0px auto;||position:relative;||top:-30px;||border:3px solid #d2ab66;||” global_colors_info=”{}”]Then I\u2019ll show you how meeting short term goals again and again for fun things like renovating your kitchen, or a dream vacation, are actually the key to changing the behaviour that will fund your long term dreams. I have trained and achieved a Designation in Behavioural Cash Flow Planning\u2122.[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2018\/01\/desmarais-financial-services-owen-sound-tfsa-4.jpg” parallax=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#d2ab66″ text_font_size=”35px” text_line_height=”1.3em” text_orientation=”center” text_font_size_tablet=”45px” text_font_size_phone=”35px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”] “The secret to getting ahead is getting started” Behavioural Cash Flow Planning\u2122 FUND YOUR DREAMS We offer a service called Behavioural Cash Flow Planning\u2122. I use a three step process to show you how to get\u00a0more life from your cash flow.As a Certified Cash Flow Specialist (CCS\u2122) I offer a service called Behavioural Cash Flow Planning\u2122.I use a three step process to show […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"yoast_head":"\n
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.16″ max_width=”767px” use_custom_width=”on” custom_width_px=”767px” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_button button_url=”\/wp\/wp-content\/uploads\/2018\/01\/CCS-Case-Study-Public-Version-Retirement-Couple-1.pdf” url_new_window=”on” button_text=”10 Years From Retirement” button_alignment=”center” _builder_version=”4.16″ global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_button button_url=”\/wp\/wp-content\/uploads\/2018\/01\/CCS-Case-Study-Template-Young-Couple-2.pdf” url_new_window=”on” button_text=”For The Young Couple” button_alignment=”center” _builder_version=”4.16″ global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”75px|0px|60px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ background_color=”#d2ab66″ custom_padding=”0px|0px|0px|0px” custom_padding_tablet=”0px|0px|0px|0px” custom_padding_phone=”0px|0px|0px|0px” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb _builder_version=”4.16″ header_font=”||||||||” background_image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2018\/01\/desmarais-financial-services-owen-sound-cash-flow-planning-how-can-benefit-me.jpg” custom_margin=”||0px|” custom_padding=”30px|30px|250px|30px” global_colors_info=”{}”][\/et_pb_blurb][et_pb_text _builder_version=”4.16″ text_font=”||||||||” header_font=”||||||||” header_3_font=”||||||||” header_3_text_color=”#d2ab66″ background_color=”#333333″ background_layout=”dark” custom_margin=”|||” custom_padding=”30px|30px|25px|30px” global_colors_info=”{}”]<\/p>\nHow can a Behavioural Cash Flow Plan\u2122 benefit me?<\/h3>\n
What Does A Behavioural Cash Flow Plan\u2122 Include?<\/h3>\n
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ module_id=”10-reasons” _builder_version=”4.16″ custom_padding=”100px|0px|60px|0px” global_colors_info=”{}”][et_pb_row custom_padding_last_edited=”on|desktop” _builder_version=”4.16″ custom_margin_tablet=”” custom_margin_phone=”||0px|” custom_margin_last_edited=”on|phone” custom_padding_tablet=”” custom_padding_phone=”||0px|” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#d2ab66″ header_2_font_size=”40px” text_orientation=”center” custom_margin=”||10px|” header_2_font_size_tablet=”” header_2_font_size_phone=”30px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n10 Reasons For A<\/span> Behavioural Cash Flow Plan\u2122<\/h2>\n
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.22.2″ custom_margin=”0px||0px|” custom_padding=”0px|0px|0px|0px” use_custom_width=”on” custom_width_px=”779px” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”20px” ul_font=”||||||||” ol_font=”|300|||||||” ol_text_align=”left” ol_font_size=”18px” module_alignment=”right” custom_margin=”|20px||20px” custom_padding=”30px|10px|30px|10px” border_width_bottom=”2px” border_color_bottom=”#d2ab66″ border_style_bottom=”dotted” global_colors_info=”{}”]Your retirement goals and plans are based on replacing a percentage of pre-retirement income rather than based on your actual expenses projected into the future.
\n[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”20px” ul_font=”||||||||” ol_font=”|300|||||||” ol_text_align=”left” ol_font_size=”18px” module_alignment=”right” custom_margin=”|20px||20px” custom_padding=”30px|10px|30px|10px” border_width_bottom=”2px” border_color_bottom=”#d2ab66″ border_style_bottom=”dotted” global_colors_info=”{}”]You have withdrawn money from an investment, or stopped an investment strategy, for reasons or purposes other than what that money was being accumulated for.
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.22.2″ custom_margin=”0px||0px|” custom_padding=”0px|0px|0px|0px” use_custom_width=”on” custom_width_px=”779px” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”20px” ul_font=”||||||||” ol_font=”|300|||||||” ol_text_align=”left” ol_font_size=”18px” module_alignment=”right” custom_margin=”|20px||20px” custom_padding=”30px|10px|30px|10px” border_width_bottom=”2px” border_color_bottom=”#d2ab66″ border_style_bottom=”dotted” global_colors_info=”{}”]You have not maxed out your Tax Free Savings Account.
\n[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”20px” ul_font=”||||||||” ol_font=”|300|||||||” ol_text_align=”left” ol_font_size=”18px” module_alignment=”right” custom_margin=”|20px||20px” custom_padding=”30px|10px|30px|10px” border_width_bottom=”2px” border_color_bottom=”#d2ab66″ border_style_bottom=”dotted” global_colors_info=”{}”]You are not stinking rich and cannot burn money for fun.
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.22.2″ custom_margin=”0px||0px|” custom_padding=”0px|0px|0px|0px” use_custom_width=”on” custom_width_px=”779px” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”20px” ul_font=”||||||||” ol_font=”|300|||||||” ol_text_align=”left” ol_font_size=”18px” module_alignment=”right” custom_margin=”|20px||20px” custom_padding=”30px|10px|30px|10px” border_width_bottom=”2px” border_color_bottom=”#d2ab66″ border_style_bottom=”dotted” global_colors_info=”{}”] You take out car loans and you are 10 years into your career.
\n[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”20px” ul_font=”||||||||” ol_font=”|300|||||||” ol_text_align=”left” ol_font_size=”18px” module_alignment=”right” custom_margin=”|20px||20px” custom_padding=”30px|10px|30px|10px” border_width_bottom=”2px” border_color_bottom=”#d2ab66″ border_style_bottom=”dotted” global_colors_info=”{}”]You are retiring in the next 10 years and will have to live at least partially off invested assets.
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.22.2″ custom_margin=”0px|||” custom_padding=”0px|0px||0px” use_custom_width=”on” custom_width_px=”779px” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”20px” ul_font=”||||||||” ol_font=”|300|||||||” ol_text_align=”left” ol_font_size=”18px” module_alignment=”right” custom_margin=”|20px||20px” custom_padding=”30px|10px|30px|10px” border_width_bottom=”2px” border_color_bottom=”#d2ab66″ border_style_bottom=”dotted” global_colors_info=”{}”]You have a major life goals that require saving for.
\n[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_font_size=”20px” ul_font=”||||||||” ol_font=”|300|||||||” ol_text_align=”left” ol_font_size=”18px” module_alignment=”right” custom_margin=”|20px||20px” custom_padding=”30px|10px|30px|10px” border_width_bottom=”2px” border_color_bottom=”#d2ab66″ border_style_bottom=”dotted” global_colors_info=”{}”]YOU DON\u2019T HAVE A BEHAVIOURAL CASH FLOW PLAN\u2122!
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.22.2″ text_font=”||||||||” text_font_size=”20px” text_line_height=”1.3em” text_orientation=”center” global_colors_info=”{}”]<\/p>\n
often deal with issues of cash flow after trouble has already hit. We buy the fire extinguisher when the
house is already engulfed in flames. So get a Behavioural Cash Flow Plan\u2122 now, because everyone can
use one, and you\u2019ll be on the road to financial freedom.<\/p>\nGetting<\/span> Started<\/h2>\n
\n[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#f7f7f7″ custom_padding=”|||” custom_css_main_element=”\/*outline-color: #d2ab66;||outline-style: solid;||outline-width: 3px;||outline-offset:5px;*\/||margin-bottom:80px!important;||border:5px solid #333333;||box-shadow: 0 0 0 3px #d2ab66;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”3″ _builder_version=”4.22.2″ header_font=”|700|||||||” header_text_align=”center” header_text_color=”#636363″ header_font_size=”26px” body_font=”||||||||” body_text_color=”#000000″ body_font_size=”20px” body_line_height=”1.6em” custom_padding=”|40px|50px|40px” custom_css_blurb_title=”background-color:white;||width:60px;||height:60px;||border-radius:50px;||padding: 14px;||margin:0px auto;||position:relative;||top:-30px;||border:3px solid #d2ab66;||” global_colors_info=”{}”]Finally, once we\u2019re all on the same page, I\u2019ll create a written plan to show you exactly how to reach those goals.<\/p>\n
\n– Mark Twain<\/span> [\/et_pb_text][et_pb_button button_url=”\/#contact” button_text=”Contact Us” button_alignment=”center” _builder_version=”4.16″ button_text_color_hover=”#ffffff” button_border_radius_hover=”0px” button_bg_color_hover=”#d2ab66″ global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”on” button_text_color__hover=”#ffffff” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”on” button_border_radius__hover=”0px” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”on” button_bg_color__hover=”#d2ab66″ button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"