SERVICES

Spending Strategies

Want More Life from the Money You Already Have?

Time and time again, we meet with new clients that are earning good incomes but do not have the assets and savings to show for it. They want a plan that will keep them on track and is simple to follow.

If you find that your mortgage payments, lines of credit or old student debts are distracting from building your assets to the levels you had imagined they would be at by this stage of life, a cash flow plan can help.

People Centred. Service Driven.

Our Spending Strategy Process:


Step 1 - Assessment

Discuss your spending strategy needs.

We can have you on track to start savings thousands of dollars in interest charges and increasing your long-term savings dramatically, all by simply paying attention to the money you already have!

Step 2 - Planning

Ready to get started?

Change is never easy and takes effort on your part as well. In order to get the best results we will have you complete a short exercise at home to help you get a clearer understanding of your current spending patterns.

You may never have supplied expense or debt information to a financial advisor before, but by sending this information in advance we will be able to spend the entire first appointment focused on you, which will save you time and will prevent wasted or incorrect advice. It will also let us both know much sooner if you are a candidate for your own Spending Strategy Plan.

Step 3 - Implement

Our Spending Strategy plan will provide you with:

  • A written document that includes behavioural spending recommendations as well as guidance on the most efficient debt structure for you.
  • Letter of engagement outlining exactly what to expect from the Spending Strategy Planning Process.
  • Specific and clear advice on both spending and debt repayment.
  • Short-term goals (e.g. savings and vacations) as well as major expenses (e.g. saving for the next car and paying for renovations).
  • A dollar amount of the cumulative value that your cash flow plan will bring you
  • Retirement Planning Service
  • Estate & Tax Planning service

Dowler-Karn Limited

Our partnership with Buss Financial has spanned many years. They have been a great source of help & support to our employees and our organization. The great staff at Buss Financial have certainly made our job easier!

Medpoint Health Care Centre

Retaining good employees is important to me, but as a small business it’s sometimes difficult to compete with the large corporations when it comes to employee benefits. Tammy showed me options that made it possible. Thank you.

Welker and Associates Trustees in Bankruptcy

For me, business is about the bottom line. I want my profits high, costs low and save tax whenever possible. With the help of Buss Financial Group, I now have a Health Care Spending Account making the most of my after tax dollars.

Lubnow Restorations

We’ve tried benefits in the past, but just couldn’t keep the cost under control. Tammy showed us how a Health Care Spending Account could change all that.

Forever Homes

Like many small business owners, I tossed around the idea of employee benefits for a long time, but found it costly and time consuming.  Tammy understood.  She’s been there too. The difference is that she specializes in small business benefits.  Tammy customized a plan that is both flexible and cost effective.