Maximize Your Cash Flow Today
Stop Just Working for Money and Let Your Money Work for You
What would you do with an extra $500 to $1000 a month?
Hi, my name is Clarence Godinho and I am the Cash Flow Tutor. I am a CERTIFIED FINANCIAL PLANNER® professional and a CLU® Chartered Life Underwriter. I specialize in saving consumers and business owners a significant amount of time and money by teaching them how to efficiently use both.
What would you do with an extra $500 to $1000 a month as a consumer? If you are a small business owner, how would your business benefit by having additional funds available?
My clients use this cash for their retirement savings, their children’s education savings, insurance needs, to start a business and to improve their lifestyle. Business owners use it to market and expand their businesses.
I’m always happy to see that I can make a positive difference in people’s lives through my services.
We all work hard for our money. But as the saying goes, it’s not how much money you make, but how much you keep that’s important. Most people waste valuable time and money and don’t even know it until they meet with me and have their complimentary Cash Flow Review. They learn about strategies that can increase their cash flow significantly in less than 30 days, how to decrease tax exposure, pay off debt faster with no new money and keep more for themselves.
Now, if you’re a small business owner, I’m sure you’re aware that most new businesses fail within the first few years. The reason for most is that they run out of money and can’t sustain themselves through the initial startup phase when costs are greater than income.
Often, it’s sad to see this happen, because if they had just a little more money available, they would be able to hang on long enough for the business to become profitable.
I can show you simple and effective strategies so that you can structure your personal finances in a way that actually leaves you with more cash available. Not only might this prevent your business from going under, but it would also leave you with a number of options so you don’t have to turn down opportunities for growth.
Cash Flow Tutor not only shares with you how to save money and time but also teaches of more efficient methods of investing and saving money that also can generate cash flow. You will learn how you can have greater control and consistent returns.
Many people have significant financial assets but do not know how to use them to enhance their lives. I have helped some people retire early and others, reduce hours at work by making their assets generate cash flow so they don’t have to. It all goes back to the concept of making your money work for you instead of only working for money.
The main difference between the wealthy and everyone else is that the former are aware of additional options, take the time to understand them and implement them. I have always struggled with the fact that everyone comes into the world the same way, yet some have a lot and the rest, not enough. It is my goal to source a multitude of options and put them in front of people so that they may also have the same opportunities.
I am committed to giving my clients the resources they need so that they are empowered to make informed decisions about their lives and futures. It’s about time that you had your money working hard for you rather than you working hard for your money.
I will show you…
- How to create a realistic budget without sacrificing your lifestyle
- How to decrease your tax exposure so you keep more of your hard-earned money
- How to get out of debt faster while making smaller payments
- How increased cash flow can open up greater options to expand your business
- Little-known investment strategies generally used by the wealthy.
- And much more!
See what some of my clients have experienced:
“Clarence increased my monthly cash flow in retirement by $630 a month and it didn’t cost me a penny out of pocket. I had no company pension and was surviving only on CPP and OAS. I can be more relaxed now.”
– Scarborough, ON
“We earned decent incomes but always found that we didn’t have enough to save for our future because we had too many bills. We were nearing our mid forties and know that we had to start saving now if we were going to have something for our retirement. Clarence saved us $1600 a month and reduced the time it would take to pay off our debt. It didn’t cost us anything out of pocket and we are now saving $500 a month. We had never saved anything monthly before and we are seeing our savings grow and the best part is we are not using any new money. We were spending this on bills before and now we are paying ourselves.”
– Ennismore, ON
“When I met Clarence, I was working 65 hours a week as a nurse to afford my standard of living. I have a beautiful house, nice cars and a teenage daughter to support. I didn’t think there was much that could be done. He saved me over $2000 a month and I will be debt free earlier. He also educated me about different investment vehicles as I was frustrated with what I had. I was amazed at the opportunities available that I probably wouldn’t know about if it wasn’t for him.”
– Ajax, ON
These are the kind of bottom-line results and lifestyle changes that I take pride in helping people achieve, and I can do the same for you and your family.
CFP®, CERTIFIED FINANCIAL PLANNER® are certification trademarks owned outside the U.S. by Financial Planning Standards Board Ltd. (FPSB). Financial Planning Standards Council is the marks licensing authority for the CFP marks in Canada, through agreement with FPSB.