We're Not Here to Sell You Dreams

Back in early 2022, a group of us sat around a coffee shop in Terrace talking about how frustrating financial advice had become. Everyone kept promising overnight success or selling complicated products nobody actually understood. We wanted something different—something honest.

Started with a Simple Question

Why does money stress follow the seasons? Summer brings spending on trips and activities. Fall means back-to-school costs. Winter holidays drain accounts. Spring brings tax time anxiety.

Most financial education ignores this rhythm completely. They teach budgeting like every month is identical. But your life doesn't work that way, and neither should your financial planning.

So we built something that actually matches how people live. Programs that acknowledge summer is different from December. Tools that help you prepare for seasonal changes instead of getting blindsided by them.

Planning session with seasonal financial materials and calendar

What We Actually Believe

No Quick Fixes

Financial stability takes time. We're upfront about that. Our programs run 6-12 months because that's how long it takes to see real change. Anyone promising faster results is probably overselling.

Real Numbers Only

We share what actually works based on participant feedback, not made-up success rates. Some strategies help most people. Others work for specific situations. We'll tell you which is which.

Your Pace Matters

Life happens. Jobs change. Health issues come up. We build flexibility into everything because rigid financial plans break the moment reality hits. You need room to adjust.

How We Actually Work

We Start Where You Are

First session is always about understanding your current situation. No judgment about past choices. Just honest assessment of where things stand right now and what seasonal patterns affect you most.

Build Your Seasonal Map

Together we identify your expensive months and easier periods. When do costs spike? When can you save more? This becomes your roadmap for the year ahead, customized to your actual life rhythm.

Practice Before It Matters

We work through scenarios before they happen. What if the car needs repair in February? How do you handle summer activities without overspending? Practice builds confidence for real situations.

Adjust As You Go

Monthly check-ins keep you on track but allow pivots when needed. Life changes, plans adjust. This isn't a rigid system—it's a framework that bends with you.

Who's Behind This

Small team. No pretense. Just people who care about making financial education less painful.

Callum Theriault

Program Director

Spent 15 years in retail banking before getting fed up with sales quotas. Now focuses on education that actually helps people instead of pushing products they don't need.

Sienna Brouillette

Content Lead

Former journalist who covered personal finance stories. Got tired of only writing about problems. Now creates learning materials that give people practical tools to improve their situations.

Workshop session with participants reviewing financial planning materials

One-on-one consultation session discussing seasonal budgeting strategies

Group learning session with seasonal financial planning charts

Learn How Seasonal Planning Works

Our next program starts in September 2025. Six months of practical learning focused on preparing for fall expenses, holiday planning, and setting up strong habits for 2026. Real examples. No hype.

See Program Details