PARADIGM SHIFTS

What’s the difference between
Money & Cashflow?

Thinking Differently. Money VS
Cashflow

We’re breaking the mold, when it comes to how Financial Services is delivered to the average person. At PersonalBanker, we’re on a mission to empower Canadians to live more rewarding lives, fueled by a better understanding of finance.

The fundamental difference between Money and Cashflow is that Money ends while Cashflow continues.

Our goal at PersonalBanker is simple. Move each of our clients toward a financial position where they have acquired or developed “assets which generate Cashflow” that is then able to completely cover their desired lifestyle.

Money is static, and is acquired by trading time or skill for cash. Cashflow, on the other hand is fluid, constant and continues without the need for input of your time or skill. Money requires your involvement. Creating Cashflow leads to Financial Freedom.

Guiding our clients on the journey from a Money to Cashflow Mindset, requires expertise, time and patience. Our aim, is client empowerment. That’s our gift to you!

CASHFLOW

If you grew up learning that a degree was for a job to earn MONEY for yourself and your family…

Your focus on Cashflow Interrupters are based on job loss, taxes, insurance coverage in case YOU are disabled or die prematurely and you must SAVE for retirement.

More than likely you will develop a Consumption Mindset around Money for Lifestyle Expenses for today and at retirement… Staying at the Survival or Stability stage of wealth… buying bigger homes, cars and cottages and living in fear and lack of Money.

cashflow-image_03

The increase debt requires more money leading to more time at work and less time with your family.. However if you shift that mindset to investing disposable income into assets that provide cashflow your behaviour, habits and destiny is a Creation Mindset which ultimately leads you to Financial Freedom which allows you more time for yourself and your family allowing you to live your real Life’s purpose!

Start Shifting Your Financial Paradigms with
the PersonalBanker Wealth Blueprint

TAX Management

How Small is your Tax Slice?

For the Average Canadian, 42% of their income is gone to various forms of Taxes. Taxes affect every aspect of our financial lives. Everything from earning, spending, saving or investing money. We are taxed toady, tomorrow and eventually even when wealth is…

DEBT Management

Is Your Debt Working for You?

At PersonalBanker, we view Debt quite differently. For the wealthy, debt can be considered an Asset, just as easily as a home can be considered a Liability. Our goal is to reduce destructive debt. We use strategies that restructure mortgages to make them deductible…

INVESTMENT Management

How Many Years Wealthy Are You?

We measure Wealth not by Income or Net Worth but by the positive monthly Cashflow and Asset creation.
Our investment philosophy is not focused on retirement in some distant future, rather it is built on achieving…

RISK Management

Protecting Your Legacy

Our Motto is “Minimize Risk & Taxes and Maximize Growth & Cash Flow.” Managing Risk involves not only protecting yourself from Cashflow Interrupters™ such as death, disability or job loss. It also encompasses protecting your assets from tax…

Let Us Help You Get Started