Life Transition Coaching
Let Wendy help you understand why money causes conflict in your relationship and how to develop skills to stop the arguing. Understand each other and begin to believe that each of you bring gifts and are a true asset to your relationship. We will use a tried and true process for communication and relationship building using money as a tool to make your dreams come true.
“One of my deepest passions is that people do not have to divorce. That they learn how to talk about money or conflict so they can resolve their differences before it leads to separation.”
Owner, Next Step Financial Solutions Inc.
Read our blog for more information
Self- Limiting beliefs, Inevitable Differences about Money (how to set good habits in a new marriage or relationship),
Learn how to talk about money and reduce conflict about money in your relationship
Do we have “enough”?
Such a budgeting, understanding your credit bureau report, re-building your credit, paying down debt, saving for retirement vs. paying down mortgage, emergency savings, TFSA vs. RRSP?
Useful for second or third relationships and/or blended families
You need not divorce or separate or have financial difficulties to use Next Step’s financial planning services. There are times in life, for all of us, when we would like a second opinion on a decision, a life transition, a way to save taxes or retire earlier. As well, this is a process where you are not exposed to urging you to buy “more” or purchase an additional financial product. For example, these clients of Next Step Financial Solutions appreciated our advice in these situations:
A couple desperately wanted a re-modelled kitchen but they worried that it would affect other priorities of the family: one partner was currently working part time to be with the young children for a time, they still wanted to provide a good education savings for the children, they wanted to maintain their lifestyle and they wanted to retire at an earlier age than “typical”. We did projections to see if this renovation would affect those other interests and if they could “make their dreams come true”.
A retired woman knew she had enough money for the basics and her existing lifestyle but she worried if she had to go into a full care, more expensive nursing home- would she have enough? Could she make some gifts to help her children now rather than waiting till she died or should she wait to make sure she could pay for all of her needs, including more expensive home care or nursing care? What level of risk and rate of return on her investments should she expect?
A 30-something geologist started her own consulting company and did exceptionally well. However, she had not saved for the accounting, incorporation fees or the income taxes on this income. Then the oil industry contract opportunities plummeted. What were her options?
One couple had a solid retirement plan but one lost his/her job. What do they do?
Another 40ish single person wondered if she had enough- was her pension enough? When should she take her CPP? Could she maintain her lifestyle and love for travel in retirement?
A couple had many sources of retirement income- a pension, RRSP, a farm and an inheritance? Could they retire early? Could they retire even if they took much less risk and lower rate of return on their investments?
This couple had high debt load- so high that one person’s income paid the minimum payments on the credit cards- there was no emergency savings, no repayment of the principal on the credit card debt. What could they do?
A young married couple has just spent $25000 on their wedding. What do they save for next? A home of their own? Travel? Starting a family? Retirement? What is best and how do they talk so each of them feel heard and are willing to work together for a common plan.
“Our clients who have worked with Wendy as a financial specialist during their separation and divorce can come out better informed and better prepared to make good decisions in legal matters that will impact them long into the future.”
“I can honestly confirm, Wendy entered my life during a time of disruption and was the determining force to direct me to emotional and financial balance. I will forever be thankful for her assistance.”
“I was very pleased to meet Wendy, she took the time to learn a little about me, she told me a little about herself and I immediately felt trust and comfortable allowing her into my personal situation. She made me to feel at ease and that ‘no question was a stupid question’. She was positive and upbeat, I left the meeting feeling informed, a little more relaxed, and to top it off, she provided a gentle goodbye hug in my time of need.” Thank you Wendy.”
“I couldn’t have made it through this mess without you. Thanks a million for everything.”
“As a financial planner who really cares, Wendy truly listens to you to ensure your financial plan reflects your wants and needs, making it easy to follow, which gives you confidence as you move forward in to the future.”
“I would say that Wendy was the crucial support that I needed to figure out the financial maze of a separation agreement. She patiently explained all different aspects of the finances. She kept the financial information organized and even helped me understand what different documents were and how to understand them. Her manner was supportive, resourceful and knowledgeable. Wendy kept very good track of the details and asked all the right questions in a thorough way always keeping my best interests in mind. Most of all what I appreciated was that she was empathetic and always encouraging towards me. Thank you.”
“With Wendy’s significant experience both in financial management and conflict resolution, we have been able to develop a rich and workable solution to our financial frustrations. We did not have to separate our finances and instead used the challenges we were having as a spring-board to better communication in our relationship overall, as well as increased peace of mind regarding our finances. We would not have been able to reach such a positive outcome without Wendy’s services! Thanks!”
“Wendy delivers excellent results for couples under joint retainers as well as for individuals who want to weigh their options before making significant financial decisions arising from separation and divorce. My clients who have worked with Wendy have felt empowered. They have gained clarity, which allowed them to make decisions.”
Arnot Heffernan Slobodian Law Office
“My family law clients and I have appreciated Wendy’s help when negotiating workable solutions in stressful circumstances. A number of financial issues result during separation and divorce. Wendy listens patiently to client concerns, and provides detailed options. Wendy has strengthened our negotiations and provided workable solutions.”
Collaborative Lawyer and Mediator
“I have been truly blessed to have Wendy Johnston work with me on numerous files. Whether I am a lawyer advocate, mediator, or in a collaborative process, I value her expertise and input in assisting my clients in understanding their financial situation and options as they work towards resolution of their legal matter.”
President ADR Institute of Saskatchewan
“Wendy Johnston has been a consistent contributor to ongoing efforts to educate and inform the public about ADR process options such as mediation and collaborative law. It is through these initiatives that people in conflict are empowered to engage in interest-based negotiations rather than risking an unknown outcome imposed by a third party decision-maker.”
“Wendy Johnston is a committed volunteer within her community! She has been a key contributor as a member of our condominium board, particularly in her roles as Secretary & Treasurer. Wendy works collaboratively with colleagues on the Board & with neighbours. She has an ability to be supportive with challenges and is a proactive problem-solver. Wendy is clear in her communication with strong listening skills. She is diligent, consistent, intelligent & reliable! Wendy Johnston is someone known to be trustworthy and productive in our active community.”
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