Charmaine Specializes in Assisting:
- Individuals (including divorced, separated, widowed)
- Couples and Families
- Business Owners/Self-Employed
- Pensioned Employees
Charmaine Specializes in the Following Services:
- Budgeting and Cash Flow Planning
- Financial Education
- Business Cash Flow Planning
- Financial Planning
“The mystery around money is easily unraveled, and doing so opens the door to a world of financial opportunities.”
Charmaine makes money management easy to understand, and most of all, simple to do. She puts her clients at ease while empowering them with her belief that it is never too late to take control of your finances.
Charmaine has always loved taking control of her money. While in university, she approached her father to join her in purchasing a condo, so she could be a landlord instead of a tenant when she graduated from school. Whenever possible, she pursued financial opportunities like this, each time more inspired by the positive effects on her life. Yet despite her love of finance, she did not pursue a financial profession—at least not at first—and spent most of her career working for a major airline, in the training department and as an onboard leader in customer service.
She was very interested in becoming a financial planner, and was even offered a job as one. However, she struggled with the idea of having to sell investments to get paid, regardless of whether those investments were the right products for her clients. So, she became her own personal financial planner, managed her own portfolio and gave investment advice to colleagues and friends who came to her for help.
Money Coaches Canada brought it all together, allowing her to work toward her CFP designation and join a group of unbiased fee-only advisors using an approach she could believe in: educating and supporting clients in reducing their financial stress and achieving their personal financial goals.
No longer not knowing where I am going
Before I started working with Charmaine I didn’t know if I could ever own a house or ever retire. I now understand my retirement options, I know what I’m spending my money on, where it’s going and how much I have available to save for the things I want.
I have learned about wills and insurance and when something comes up I don’t have to scramble to find the money because I now have an emergency fund. I understand money much better and every dollar now has a purpose towards things I want to save for. I am confident that I can achieve my short and long term goals.
The value I received for my financial investment was well worth it. I would definitely recommend money coaching services to my friends and family, and I am planning on meeting with my money coach on an annual basis to ensure I am staying on track and working towards my goals.
– Aaron Reynolds
Less Financial stress, more confidence and financial knowledge
We were very stressed out about money when we first started working with our money coach, and I was not thrilled about the prospect of having to go back to work after my year-long maternity leave. After working with Charmaine we are much less stressed out about our finances as we are better able to handle our money and all of our bills are now on autopilot. We are still working towards our future goals as we now have a plan in place and we know that we will be able to reach them. We have become much more aware of our financial situation and we now know what money is coming in and going out, but more importantly we know where it is going. We have learned how to make better money decisions through this coaching program. Charmaine has helped us tremendously and we feel much more comfortable regarding our finances than ever before.
On track with our goals, including retirement
We were looking for a way to prioritize our financial goals but we lacked a system and we were overwhelmed and disorganized. We literally didn’t know where to start. Now we don’t even have to think about our finances as everything is automatic and simplified. Not only are we more knowledgeable about our finances after working with Charmaine but she also helped us “find” money within our budget. We feel good about reaching our short and long-term goals including retirement and we feel much more in control, knowledgeable and overall much better about where we stand financially.
– Meghan, Halifax
No more money anxiety and doubts
We were very anxious about our money and always felt that we never had enough. After working with our coach we are not only better able to manage our money but we are also using the money we have more wisely and we can weather unexpected circumstances. Charmaine was amazing. Her knowledge and especially her patience in explaining things and ideas for our financial future was excellent. We absolutely would recommend working with a money coach to friends, family and acquaintances.
– S & L
Digging out of a financial tunnel
When we first started working with our money coach we felt as if we were in a deep tunnel with our finances and had no way out. Charmaine helped us realize that there is a way out and helped us view money differently. We now have control over where our money is going and we feel good about our long-term financial goals. Our biggest take-away is that we are both on the same page with our finances, we are able to talk more easily about money and we no longer feel tense about paying our bills.
– Janice C.
Better Relationship with money and confident to reach our goals
Before working with Charmaine we felt that we did not have control of our cash flow. With the spreadsheet we now have we can see where our money is going and ensure we have money set aside for specific things. We feel much better about our ability to weather unexpected emergencies and our relationship with money is much better. We feel confident about being able to reach our short and long-term goals.
– Dorothy, Retired
Having a clearer picture of our financial future and the possibilities
When we started working with Charmaine we were not sure where our money was going. We were uncertain about our financial future and what is possible. We now have a plan and a better understanding of how successful people manage their money. Putting money aside for unexpected events is a great way to force savings and plan ahead. Our relationship with money is better now as we are thinking more about what we need versus what we want versus what we can afford.
– Chris Schell, Optometrist
Less stress about my finances
Before I started working with Charmaine, I felt devastated about my finances and didn’t know where to turn. Thanks to Charmaine, I now have a plan to have money set aside for emergencies. I also understand how to make better decisions about my finances and my net worth has improved since working with Charmaine. Thank you Charmaine!
– Lisa S., Barrie ON
Money Mondays Feedback
Very interesting and knowledgeable speaker. More people should come!!
– David T.
Goals are always good to review and be reminded of
Very informative and educational
Lots of new info – thank you
Very educational discussion on wills – lots of information – thank you