Helping families & individuals get more life from their money!
Hi, I 'm Joy Adams and I am a Financial Advisor & a Certified Cash Flow Specialist. I am also the owner of Covenant Wealth Financial Services.
I have been working with families and individuals since 2017 to help them create the lifestyle and time-freedom they want with our Behavioural Cash Flow Planning Process.
"Time Freedom & Wealth Creation Should Be A Priority!" ~ Joy A. Adams
How I Can Help
Our Process
Do you earn good income and believe that you should be getting more from it? Each month, do you have more month left over than money? Are you stressed about your finances? A Behavioural Cash Flow Plan might just be the answer!
Behavioural Cash Flow Planning is not a BUDGET. It is a plan that helps you manage day-to-day cash flow. It is a written plan that takes into account your income, expenses, proximity to retirement (or other major goals) assets and liabilities and recommends how much you can spend on the things you can control in order to achieve your dreams. It includes specific and clear advice on both spending and debt repayment.
What Are The Benefits of A Behavioural Cash Flow Plan?
It will ensure that you never run out of money or live pay cheque to pay cheque. Other benefits include;
- Helping you find money within your current income to fund your dreams.
- Helping you stop money leaks on stuff that doesn’t matter, so you can refocus your energy on the things that do.
Money Mindset
Your money mindset is your attitude about your money. It drives all your money decisions.
Our behaviour with our money is the number one reason many of us are unable to maximize the possibilities of what we can do with the income we bring in.
Take the quiz! We don't capture your result. This is a very useful resource to help you better understand your behaviour...and remember, there are no good or bad money mindsets.
