Sandra Mann, MBA, CPA, CGA, QAFP™

Money Coach | Burlington, GTA West, ON | 2-month waitlist

Sandra Specializes in Assisting:

  • Individuals (including divorced, separated, widowed)
  • Couples and Families
  • Professionals
  • Pensioned Employees

Sandra Specializes in:

  • Financial Planning
  • Pre-Retirement Planning
  • Retirement & Pension Planning
  • Planning through transitions (divorce, loss of spouse/partner, career change)

“Every journey needs a road map—don’t just think it; ink it. With a written plan, you will find the courage to press on to your destination.”

Sandra’s Style

Sandra is personable and puts people at ease right away. She is a good listener and works closely with her clients to develop creative solutions that are unique to their particular situation. Sandra is very analytical and, as a result, a natural planner and problem solver. She takes great pleasure in seeing her clients attain more awareness of and confidence in their ability to reach their goals through thoughtful money management and planning.

Sandra’s Story

Sandra spent over twenty years working in the financial services industry in Toronto. As a professional accountant, she enjoyed working with senior executives, supporting them in developing and maintaining successful business and financial plans. As her professional interests evolved, she gained great satisfaction from coaching others on her team, and was recognized for her insights, solutions and valuable feedback. However, there came a point when she wanted to leverage her skills and experience in a more personal way—for a direct and positive impact on the lives and happiness of others.

Money coaching has been the answer. It allows her to combine her love of numbers with her desire to help people by sharing her knowledge, ideas, tools and techniques.

As a coach, Sandra brings her own personal appreciation for the challenges people might face in managing life’s demands on their time and money. She knows the peace of mind that was achieved for herself and her husband when she began applying her professional skills more rigorously to their life. Once they had a good financial plan and road map in place, choices became clearer and decisions easier. Today, she draws on her life experience, extensive training and professional expertise to guide individuals and couples on their own financial journeys.

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Significant Peace of Mind

My wife and I worked with Sandra Mann in Burlington, ON. She did a deep dive into our personal/family finances setting up short, medium, and long-term goals. She helped us analyze our cash flow spending and developed a fantastic report on our investment mix and how to plan well for our children’s education and our retirement. It was a lot of work, but well worth it. Sandra was very patient and at the end of our experience gave us significant peace of mind for the future. She equipped us well to make any financial decisions going forward. Well worthwhile investment for any young family. Thank you!

– Terry and Aleksandra C.

Personalized Retirement Planning

I figured it was finally time to see if I had a hope of ever retiring. I didn’t want to go to any of the banks or traditional financial advisers, because they just push their over-priced and under-performing “investment products” on you. I did some research, settled on Money Coaches Canada, then booked a free one-hour initial consultation with Sandra through the Money Coaches Canada website.

During the initial consultation Sandra was very thorough and up-front about what I could expect if I chose to work with her, how she would conduct her assessments, and what the cost would be. She also asked some general questions to get a picture of my finances (spending, assets, liabilities, etc.). After doing a little more research, I decided to proceed with Sandra’s services.

I had three 90-minute appointments with Sandra. The first meeting was spent reviewing all of the documentation that I had provided and discussing my overall goals and aspirations. I was very impressed with Sandra’s thoroughness and the time she took to really understand what areas to focus on and what things were of vital importance to me. The second meeting was spent pouring over different scenarios that Sandra developed from the information in our first meeting. At our third meeting Sandra presented me with printouts of three detailed possible scenarios and built up a final scenario.

My final report is a highly-customized plan that gives me a solid projection of my financial position for the rest of my anticipated life. Naturally there are a LOT of assumptions included in this kind of plan (health, ability to work, inflation, rates of return, etc.), but Sandra uses conservative estimates for all of these. Everything used to prepare my plan passed my personal “reasonableness” test.

I am extremely satisfied with Sandra’s services. She and I were able to develop a plan that allows me to maintain my current lifestyle while addressing other factors that were important and unique to my personal situation. That’s the true power in what Sandra does. The report you end up with is truly personalized to reflect YOUR life and situation. You need to be well-prepared and committed to the process (it’s not easy to divulge ALL of your personal financial information and your life dreams to a “stranger”), but if you do, Sandra will do a fantastic job of helping you plot your path to YOUR retirement.

– BH

Pre-Retirement Planning – Money Well Spent

Sandra, it’s been a real pleasure getting to know you and we feel we’ve benefitted a great deal from your insight and expertise. As we’ve mentioned before, though we felt reasonably comfortable with our current financial situation, we felt we could benefit from a thorough analysis of our finances to determine if we were on track for our long-term outlook (specific to retirement).

While the cost for the financial planning engagement was a little higher than I anticipated, it wasn’t long before we understood that it was money well spent as we could see first-hand how much thought, consideration and expertise you invested into our plan. Many times during our sessions, you reminded us about details in our outlook that we had already forgotten since our last meeting. It was impressive to us how, at times, you seemed more informed about our finances than we were!

You’re a very warm, friendly and genuine person. We enjoyed our experience very much and look forward to working with you again.

– Grant and Leslie, Toronto

Independent financial assessment

We were very pleased with the service provided by Sandra Mann at Money Coaches Canada; it was exactly what we were looking for (independent financial assessment for retirement planning). We found Sandra to be knowledgeable, experienced and approachable. We felt very comfortable discussing our finances and personal information with Sandra. Her sessions were focused and we were provided with a thorough long­ term plan and specific recommendations.

– Couple approaching retirement in 10 years

Helped me plan for retirement with confidence

Sandra helped me plan for retirement by asking me to organize my financial information, set goals, and discuss options and scenarios with her. Together we developed a plan that I can implement. I am confident I will be able to maintain my standard of living, pursue hobbies, travel, volunteer and spend valuable time with family and friends. I would recommend Money Coaches Canada and Sandra Mann to others seeking advice on financial matters.

– Anne

Helped with all my anxiety about money

Sandra is fantastic!! She has helped me sort out my money issues with ease and confidence. She listens, offers suggestions, is non-judgmental, smart and in my case a very good listener. I don’t feel worried at all now that Sandra has come up with a very suitable financial plan for me. The plan works, keeps me on top of things and has helped with all my anxiety about money. Like I said Sandra is fantastic!!

– Christine Wieczorek, Toronto

Closer to making our dreams a reality

Having finished the program with Sandra, we can confidently say that working with a money coach was a great choice. Sandra’s knowledge and financial awareness put us at ease right away. We now have a financial plan, goals for our future and the best thing is it is all on paper in front of us, tangible, and instead of just something that we talk about, it is something that we are actively working towards making happen.

Thank you Sandra, for taking the time to educate us on our finances and helping us to get that much closer to making our dreams a reality.

– Heather & Gavin, Toronto

Retirement Plan – retirement income in perspective

Sandra has been instrumental in helping me to put into perspective my retirement income in relation to my retirement needs and plans.

I would just like to say that in addition to the obvious expertise Sandra brought to our work, I particularly appreciated her calm, candid ease in our meetings. This steadiness and simplicity was also what I needed. Thank you Sandra!

– Chris

Plan for future goals and current needs

Sandra addressed all my concerns – creating a plan that will help to set me on a path to obtaining my future goals, while meeting my current financial needs. She also connected to me additional resources for other inquiries I had, which was incredibly helpful.

Sandra was absolutely amazing to work with. She was very thoughtful, kind and flexible in her approach throughout our discussions. She listened to my needs and concerns and created a financial plan that was practical, sustainable and aligned to my goals.

– Young professional and recent graduate