A Different Kind of Advisory Firm


    • Building Relationships and Understanding
    • Working with Design and Structure
    • Connecting the Parts
    • Converting complexity to Simplicity
    • Backtesting Recommendations
    • Providing Ongoing Support
    • Strengthening Financial Lives
    • Bringing Confidence

Cash Flow

Understanding the inflow and outflow of cash is an integral part of financial planning.  In our busy lives, it is difficult to take the time or find the motivation to wade through the numbers and organize them into manageable categories to facilitate decision making.  However, this discipline can save you money and provide the clarity needed to implement a holistic financial plan with confidence.  No matter what your income level may be, we are all playing the game of money, whether we want to or not.  The question is: are you winning?

We understand the value of having an in-depth assessment of your cash flow situation as part of its financial planning philosophy. We also understand the value of having a coach walk you through this process. Therefore, we offer our clients a customized cash flow analysis as part of our unique discovery process. Our cash flow specialist, Carolyn Landine, is passionate about helping people get a new perspective on their relationship with money and gain confidence in handling their cash flow.

Every situation is unique; however, past assessments have provided clients with new insight in areas such as how to:

  • streamline monthly financial tasks;
  • stabilize cash flow;
  • manage debt more effectively;
  • make spending decisions based on a spending plan;
  • identify spending obstacles;
  • develop strategies to overcome hard-to-break money habits;
  • eliminate credit card debt

Many of our clients request this service and it is so effective, we make sure all our clients know they have the right to access it as part of the added value we bring to them.

Carolyn’s area of interest and expertise concerning personal finance is rooted in what she has been doing for 20 years planning, organizing, and creating customized systems to manage personal and corporate finances. Her skill is taking a mess of numbers and creating a clear picture that helps clients make spending decisions by prioritizing and establishing parameters.




Our Philosophy

Our lives can be complicated and we are very busy. There is so much information that swirls around us its hard to know what to think . Most people tend to believe that complexity is a necessary component to managing wealth. Our firm believes it isn’t.

As partners, we have some 35 years of collective experience in financial planning. We have read hundreds of books, thousands of reports, and interviewed many, many people from all walks of life. From our collective education and experience, we have identified some very strong trends that wealthy folks have employed along the way. Strategies that do not rely on market timing and not even that much on market performance.

Sure, anyone who buys a lottery ticket might win, but any student of math knows there is likely a much more effective way to invest! In studying the trends and speaking with lots of people who have built a solid wealth base, we have found common traits that have worked for them all.


Our Community

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What We Do

    • Help our clients make wise decisions
    • Educate, so our clients know why before they act
    • Develop professional, long-term relationships with our clients
    • Strengthen our clients’ teams with financial leadership
    • Put systems in place to maximize results
    • Find efficiencies that create more wealth over time

Our Approach

We often tell people that by starting at a different place: we end at a different place; a place that matters to you.

Our clients generally come to us with a variety of goals, fears, holdings and previous advice, yet very few have a written financial plan that pulls it all together. And why try to pull it together if it isn’t driven from a person’s real values?

That’s where we start. In fact, that’s also where we end up. Everything we do, at each part of the process and often for years after, we back-test everything against your values. Through warm, friendly discussion, we together determine the things that really matter to you, your concerns, your goals, your treasures. Finally, once we have statements of where you are today, we go to work on your behalf, designing a road map to lead from present to future with confidence.

Our work is written in customized reports that are tailor made for you. We review the reports together and answer any questions that arise. Often, we end up re-writing parts of the report based on further feedback from you. Finally, a checklist is presented with priorities noted to enable sure implementation of the desired results.

But our job doesn’t end there. With scheduled follow-up meetings, by phone and in person, we keep the plan current to keep you on your path.


Retirement Planning

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Fear and Greed

People often ask “why do my investment returns seem lower than the markets?” We tell them it’s because investors tend to follow a cycle of fear and greed: when stocks are up, people feel good about the markets and they buy (greed). When stocks are down and all the news about the markets sounds bad, they sell (fear). The more this is repeated, the worse it gets.

It is important not to get caught up in these cycles. Getting free from this cycle is a key to investing success.



Insurance Planning


Mike Washburn

Mike loves his work. Over 26 years, he built a solid business on principles of trust and hard work.

Mike loves his clients. His unique way of putting their needs first endears many people to his care.


Our Clients



Managing Risk

Have you ever noticed the pain of loss outweighs the pleasure of gain? In investment terms, psychologists estimate that a 10% drop in your portfolio value is emotionally equivalent to a 50% gain in its value! It’s not surprising, therefore, when we recommend that our clients build financial plans around managing risk.

Our extensive experience in the area of insurance has proven to us and to our clients that covering the risks we all face in terms of a challenge to our health or to our life itself is a critical component in building and preserving wealth.

Our customized plans not only include an extensive review of what coverage you may or may not have, but often include new asset allocations offered by large Canadian insurance companies that provide cash when needed most while growing your net worth at the same time.


Rick Landine

Rick engineers our reports. His ability to cut through the noise and provide clarity gives our clients total confidence in the results.



466 Queen Street
Wilmot Alley
Fredericton, N.B.
Canada, E3B 1B6
TEL: (506) 457-2749
FAX: (506) 474-1896

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Market Timing

Timing when to buy and when to sell is a fool’s game a matter of luck. But, it is always a good time to stop the cycle of buying high and selling low. Regardless of what the press is saying. Monitoring market moves, watching stock market shows on TV and poring over financial forecasts takes a lot of time and energy. Worse, it makes people anxious  and anxious investors often screw up. Focus on your goals and build a plan that has the best shot at getting you there. Then turn your attention to living now. You will be happier (and wealthier) for it.





By first understanding our clients and their individual stories, we are able to design customized plans and systems that produce results:

  • Educated Clients
  • Simplicity and Understanding
  • Managed Risk
  • Solid Investments
  • Written Reports
  • Peace of Mind

Planning and Forecasting

Getting good planning advice is very important. But recognize the difference between solid planning and forecasting. Forecasts and stock gurus often just distract us from the real task at hand.

We can design financial plans and portfolios to suit our best current understanding of how financial markets tend to work and what we want to achieve over the coming years, and when things change, we can adapt. We need to be able to turn to trustworthy professionals who know us not some stranger on a cable TV show or a writer in a magazine. We need to focus on our personal economy and stop worrying about the global one. Let’s not forget why we are so focused on our financial security. We want to be happy and provide a good life for our loved ones. Financial decisions are almost always life decisions. Before you decide on your financial goals, you need to choose your life goals.

We help people make smart decisions about money so they can build and protect their wealth over time.


Action with Results

Some of our clients are ready to make big decisions. Others are starting from a very basic position. From whatever may be their place in life, we help them find clarity. From customized plans, it becomes clear what actions are to be taken. By following up and conducting regular reviews, we monitor the results against their goals. When we make good decisions from a place of understanding and exercise the discipline to follow through, wonderful results can be created.