Kathryn Mandelcorn, FMA

Certified Money Coach | Port Moody & Vancouver, BC

Kathryn Specializes in Assisting:

  • Individuals
  • Couples and Families
  • Business Owners/Self-Employed
  • Professionals

Kathryn Specializes in the Following Services:

  • Budgeting and Cash Flow Planning
  • Business Cash Flow Planning
  • Planning through transitions (new home purchase, career change, retirement)
  • Financial Education


“Our financial state is a product of the conversations we choose to have about money.”

Kathryn’s Style

Kathryn brings ease and perspective into conversations about money—always listening with compassion and without judgment. She equips her clients to take control of their finances by aligning their money management with their values and goals.

Kathryn’s Story

Kathryn has always been a planner. It was during her first banking job at 19 when she initially felt the fit between her planning skills and money. When later focused on building her career, the same feeling remerged. She had accepted a job in the investment industry, and every day found herself naturally attuned to clients’ financial planning needs. By 2006, she achieved her Financial Management Advisor designation and knew she was on a path to uncovering her professional passion.

Enthralled by her work, she settled in for the next seven years to learn one of her greatest lessons of life: everyone has a relationship with money. Time and time again, she encountered the assumption that wealth erased any issues with money management. However, as she worked with a full spectrum of clients, each had their own history of financial fears and misunderstandings. Kathryn wanted to do more than plan for their futures. She wanted to foster their understanding of money-driven behaviours and emotions, and help them align their finances with their life goals. She created her own approach, and the rewards inspired her to become a money coach.

Today, as a money coach with Money Coaches Canada, Kathryn provides mentoring and unbiased financial advice for achieving stress-free finances today and in the future. At the same time, she helps clients redefine their relationship with money to be more truthful, peaceful and free.

Contact Kathryn For a Free Consultation


Financial Freedom Redefined

Thank you so much for this! It makes such a difference to have a plan and to know that all is not doom and gloom in terms of my finances and retirement. I feel much more optimistic, and even though I would still retire yesterday if I had the money knowing that there will be enough when I do go, and knowing when I CAN go, is just a complete game changer. Thank you again.

– Beth

Finally Sleeping at Night

The plan is totally making me very aware of where my money goes and I am much more mindful about spending – that makes it easier to sleep at night.

– Teresa Smith

Life Changing!

So I’ve been playing around with the spreadsheet today (among things I never thought I would say with such a positive feeling behind it) – both exploring what I need to do to get through the next few tighter months but also looking at what it would take to be living comfortably both with and without the work I don’t love (so short and long term)…and it was amazing to see what concrete numbers looked like and also how achievable it is when you have such a clear goal to aim for. It also has me looking at my business in a totally new light. The best words to describe how I’m feeling are empowered and totally grateful.

I couldn’t be more thankful for your guidance so far, your work is life changing! I hope you know just how important your role is to your clients.

– Michelle

Such a difference a plan makes

It was great working with you and we really appreciate all of your advice. It has made a real difference in our lives.

– Kathy and Scott

Tools to make informed choices

Before working with Kathryn we were living paycheque to paycheque. We had a single bank account where all income and expenses were managed. We have always had a budget in MS Excel, but we were missing a system to implement that budget to keep us honest to it. We are now actually paying down our debt and accounting for some other expenses that would have previously come from emergency funds or credit. We are headed in the right direction now. We have multiple accounts setup with our bank, with automated transfers and scheduled bill payments. This is one the best things we got from the Money Coaching program. We have a much more thoughtful budget, based on our goals and needs *AND* a system to implement it.

The goal now is to take in more income!! We now know what we need the money for, and how much we need (e.g., we want to buy a house), know how much we need to save and what sacrifices we’d have to make to speed up our savings toward that goals. Our money coach has given us the tools to make much more informed choices. Among the best money we’ve spent.

Money is a challenging subject to discuss but we recommend Kathryn without any hesitation.

– Jay and Ana

Clarity replaced anxiety

Thank you for your help and support over the last few months. You have helped me clarify a number of ideas bouncing around in my head and have certainly reduced the anxiety I had around my finances and my future security. It would have been far more stressful and probably delayed for several months without your help. I really appreciate your support!

– May

Improved quality of life

Kathryn, I just wanted to let you know we’ve just filed our first tax return since we’ve been on the Money Coach plan you set up for us AND we’ve paid off all our outstanding tax balances from previous years AND we have money in our TFSA to cover this year’s taxes with plenty left over. And to think that before we started working with you we were going under so fast we were staring bankruptcy in the face. Thank you so much for all your time, patience and hard work – you have made a huge difference to our quality of life and we feel like we have an actual shot at the future we wanted for ourselves and our family. Thanks once again, and you can probably expect to hear from us in the next 6 – 8 months for a ‘check-up’!

– Naomi

We feel peace when we think about the future

Working with Kathryn was my birthday present to myself. I knew I wanted to have more structure around our finances and stop living minute to minute. I wanted to confront the uncertainty that not really understanding money can cause.

A couple of years and several dozen direct transfers later, our family is in a place of freedom. We’re home owners and our feeling of security is tenfold what it was before she came into our lives. We have adequate insurance and a bank account that practically manages itself. More importantly we feel peace when we think about the future and excitement about what is possible.

Like many people, my husband and I grew up in families where money was spent quickly without a lot of thought to the future. Today, we feel Kathryn gave us the education that my parents weren’t able to provide, and it’s a gift we hope to give our boys.

My husband and I don’t for one second regret the money we spent to have Kathryn help us consider our long term and short term goals and develop an action plan to get there. We believe money coaching is a unique offering and one that can’t be done well by the big or small banks. She took the time to get to know us even when the conversations veered from finances to careers to family. I recommend her wholeheartedly and do so regularly.

– Julia and Chuck

No more analysis paralysis!

I came to Kathryn with “analysis paralysis” about my finances, unsure how to organize my money for retirement and other goals. With her guidance and knowledge, I’m now completely organized, motivated, and feeling confident and capable to manage my financial life going forward. I have a plan and tools, and it feels great!

– Meg

Debt-free on schedule!

Well, it’s been a year since we came to see you last and enacted our plan and we are writing to tell you that we are DEBT FREE on November 1ST ON SCHEDULE!!! Coming to see you, using your services, was the best decision we ever made as a couple. We can’t thank you enough. We couldn’t have done any of it without you. Thanks, Kathryn.

– Kelly and Joe

Being debt-free is so liberating!

I have some exciting news to share: I was able to pay off my line of credit early, and therefore, I started 2015 DEBT FREE!! It’s such a great feeling. I can’t thank you enough for all the help and tools you gave me last year. I wouldn’t have been able to do it without your help. Moving forward, I have been pre-approved for a mortgage (thanks to your recommendation) and I will definitely be in touch once I have made an offer so that I can schedule a meeting or two to review and update my plan.

– Rachel

Having plan provides motivation

I have now paid off 30K in debt since I started paying off debt with a vengeance! I think more. 60K+ if you include getting rid of my car! Seriously I am still saving but every once in a while I will drain the different savings to meet or beat a goal to pay something off. I did that today. I had $11K on my visa and took some from savings and paid it in full!

I’ve never been irresponsible with money but just being more aware of where it is going and deciding if it is fitting with my values has been key and I will be totally debt free aside from the mortgage as of Jan 2015… maybe sooner.

– Janet

The importance of data to make informed choices

Thank you, Kathryn. I feel very relieved. This will be a more restful Christmas than I anticipated. Thanks for all of your help with our planning. Even coming out of our last meeting I felt more secure in the near future. Honestly Kathryn you are a total angel. Thank you so much.

It’s so great to be able to work with you.

– Laura & James

Measurable and meaningful results

Kathryn’s down-to-earth nature and ability to connect with clients makes her a natural fit to talk to people about their money and setting their personal & financial goals moving forward. Kathryn’s strength comes from a willingness to help and seek out solutions to assist her diverse group of clients. We appreciated the overall financial profile that the services provided, something we were lacking (and needing) from our investment advisor. We recommend that you tap into the unique and broad range of services that Money Coaches Canada provides, the results will be measurable and meaningful.

– Susan & Stuart

The plan is easy to follow and understand

Before I met Kathryn I felt overwhelmed by my finances. I had no idea of what was coming in or out or at what time. Once we started working with her I liked the fact that everything to do with our finances, current situation and future goals were all in one document. It is easy to follow and understand.

Kathryn was very respectful of our continuously changing situations and was able to help us work through them to find solutions. We have a clearer picture of future money coming in and out so it’s easier to re-evaluate and redistribute funds when needed. I feel more in control. I know what comes out and on which date. I have peace of mind.

– Chrissy

Making financial decisions together

Before we started working with Kathryn there were a lot of unknowns. Things were arbitrary and not concrete. Working with our Money Coach helped bring my wife up to speed, become more involved and make sound economic decisions. Having someone build out a plan with us was paramount to gaining greater control.

– Jeff

Clarity and Confidence

We started working with Kathryn as we were concerned about our spending habits and our debt was growing. A sense of panic set in that was uncomfortable for us. Kathryn taught us a new way to manage our money and we are much more comfortable than before and there is light at the end of the tunnel related to our longer term plans. Money for our goals is always there when required. In the past we would spend freely then when major bills occurred we would tap into the line of credit.

Kathryn was exceptional. She was very responsive, pushed us to change and provided very solid advice. We felt a great deal of confidence in her coaching.

– Michael and Sarah

I have a less emotional and more responsible relationship with money

We thought Kathryn was great to work with. She was very kind, but firm when trying to work us through the process of spending money differently. A large part of what she did was act as a fair mediator between me and my husband. In the past, money was always such a loaded topic and we would inevitably end up fighting before anything was resolved. We felt lost. We were spending way more than we made and not sure where the money was going. I now feel more in control of my finances. We are now making it a priority to save for the big bills first. I have a less emotional and more responsible relationship with the money coming in.

– Leanna

We sought Kathryn’s money coaching services because we felt like we were not in control of our money. It seemed to be flying out of the bank account but we weren’t sure where it was going. It didn’t feel good. Now, we have clear goals in mind and a clear picture of where we want our money to go. I thought living on a “budget” would feel constraining, but the opposite is true. It’s actually freeing because we know that there will be money left for the things that we see as important (and even fun) because we are now paying attention to where the money goes. We needed help gaining that awareness and coming up with a concrete plan and that’s exactly what we got.

– A & S

My husband and I worked with Kathryn over a period of about 6 months. At the time we were in desperate need of a financial overhaul to help us get out of and manage our personal and business finances properly once and for all. We started from scratch to relearn the basics and since working with Kathryn, we have put together a sound financial plan that includes both our individual goals and dreams as well as our joint ones. We also created a simple yet detailed budget to keep us on track every month with our income and expenses. As my husband and I are both creative freelancers with varying income and expenses each month, Kathryn showed us a simple and effective way to manage our money and not be afraid of it, fear of money being one of the main factors in preventing us from have a good plan let alone even talk about it. Kathryn is extremely knowledgeable and patient and always showed us the utmost respect and understanding when we didn’t understand something or needed help with anything. Financial planning is all and good but today with an overly complicated financial system, a hands-on money coach is what we all need to get a true handle on our finances and create a viable financial plan so that we can actually reach our goals and dreams for our life. I highly recommend Kathryn to anyone who needs help with money. I would hire her again in a heartbeat and even pay double – she is worth every penny!


– Linda & Michael