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Cash Flow Planning

Our firm strongly believes that understanding your cash flow is the foundation to any comprehensive financial plan. Understanding your cash flow is basically knowing how much money comes in and how much goes out each month. Do you have a cash flow plan?

Cash Flow
Cash flow is a key factor to all plans and it affects all areas of wealth management. For example, we purchase disability and/or critical illness insurance to protect our future cash flow in case of a disability or major illness. We purchase life insurance to provide cash flow to our loved ones in case of our death. We invest our money in various financial securities to provide future cash flow at retirement time. We save cash flow for future use to put toward opportunities that arise, and in case of emergencies that would erode our current wealth. Without a proper understanding of your cash flow it is difficult to make informed wealth management decisions and very difficult to achieve your financial goals. Imagine a personalized structured cash flow plan that can help you achieve your financial goals, fund your dreams and live the life that is right for you.

Debt Management
Debt Management is related to Cash Flow Management. In addition to understanding your cash flow, you must also understand what debt is; what sources and amount of debt you have; and the effect of your total debt within your overall financial plan.

Proper debt management ensures efficient use of cash flow for the repayment of debt resulting from goods and services you previously purchased; ensures you have access to credit if needed; and ensures you make wise borrowing decisions or use debt instruments to your financial advantage. In practicing proper cash flow and debt management, you can avoid disastrous financial consequences, and prevent erosion of your personal wealth accumulated to date.

Banking & Mortgages

One of the biggest assets an individual will purchase in their lifetime is their home, therefore, we should take more time to review the numbers.

Reviewing your mortgage terms, options and the total interest paid over the life of that debt is imperative to the health of your wealth. The more interest being paid to the bank, the less wealth being accumulated by you. When selecting a mortgage, it’s not just about the mortgage rate, it’s about so much more.

Before signing up for a mortgage, you should go through the proper cash flow planning process to determine if the mortgage is sustainable over the long-term with current living expenses and income, through possible interest rates hikes, economic downturns and job loss.

It is imperative to your overall financial health that you understand debt, your mortgage, and the true cost of a home in terms of debt usage.

Please note, principal, Marie DeLauretis is certified in Cash Flow and Debt Management, having successfully completed the first course of its kind offered in Canada.

To emphasize the importance of cash flow and debt management further, a TD Canada Trust report on savings (by Environics released April 2011) identified that many Canadians were struggling to save funds as 39% of those surveyed used disposable income to service debt and 30% felt they did not have enough to support daily living expenses.

Are You Shopping for a Mortgage?
We can offer white-glove treatment when you work with our mortgage specialists at Manulife bank. By signing up with Manulife Bank and one of their mortgage options, DWM will commit to completing a simple cash flow plan. Send us a note for more information at