FREE- Financial Flow Analysis cum Zero-Based Budgeting Sheet

Financial flow is all about knowing where your money comes from and where it goes. It starts with a detailed analysis of your income sources and expenses.

By tracking your financial flow, you can identify areas where you might be overspending and opportunities to save more.

Assess Your Financial Flow To:

Understand your income and expenses.
Optimize Tax Strategies: Explore legal ways to reduce your tax burden.
Manage Debt Efficiently: Arrange debts to minimize interest and maximize deductions.

Rethink Your Retirement, Question Conventional Wisdom and Have fun doing it..

What my clients are saying...

Hard working Couple - Trent and Laurel Bridger, AB.

How we got the direction with Sunny Kochar

Emotional Mother - Monique Passey, Alberta

I got out of bad Debt in an instant with the guidance

Debt Free Investor - Alex Whibley, British Columbia.

Impressed with all seasons portfolio and how to keep the gains.

Kanwaljit (Sunny) Kochar is an Independent licensed advisor in AB, BC, NB, QC, SK and Ontario.

With over 30 years of heading solution-driven privately held businesses. I've helped 100s of clients & coached many agents to leverage the exact premium solutions with total authenticity.

Licensed with Financial Services Regulatory Authority (FSRO) as Life Licensed advisor and armed with multiple professional certifications such as Certified Business Analysis Professional™ (CBAP ®) designation, a Certified Project Manager (PMP®) designation I have the knowledge and expertise to make your money work hard ( Sweat ! ) for you.

I extensively focus on the non-conventional wisdom in planning personal finances by creating innovative solutions with excellence.

Key Elements of a Good Budget:

Income: Start with your total monthly income.
Fixed Expenses: Include rent/mortgage, utilities, and insurance.
Variable Expenses: Account for groceries, transportation, and entertainment.
Savings: Allocate a portion of your income to savings and investments.

Debt Repayment: Set aside money for paying off debts.

Your Roadmap to Building Wealth Awaits

Unlock your path to wealth with our expert guide to cash flow analysis, "Building Wealth with confidence." Discover the timeless financial laws and secure your future starting today. Get your FREE guide and take a giant leap toward early retirement. Your journey to fiscal freedom starts now!