Stephanie Holmes-Winton Auhtor Headshot Image

Stephanie Holmes-Winton

Planning and Advice

Stephanie Holmes-Winton is the founder of CacheFlo and the creator of the Certified Cash Flow Specialist program. She can be reached at sholmes@cacheflo.co.

You think your advice is valuable? Prove it You think your advice is valuable? Prove it

Planning and Advice

You think your advice is valuable? Prove it

As CRM3 rolls in, advisors need to do more to prove their worth

By Stephanie Holmes-Winton |May 12, 2026

3 min read

Adjusting cash-flow plans for financial windfalls Adjusting cash-flow plans for financial windfalls

Planning and Advice

Adjusting cash-flow plans for financial windfalls

Four ways to help clients maximize extra money

By Stephanie Holmes-Winton |March 3, 2026

3 min read

Turn clients’ resolutions into lasting financial wins Turn clients’ resolutions into lasting financial wins

Planning and Advice

Turn clients’ resolutions into lasting financial wins

Help clients automate their financial resolutions so they can stick to them

By Stephanie Holmes-Winton |January 7, 2026

4 min read

Financial literacy is falling short Financial literacy is falling short

Planning and Advice

Financial literacy is falling short

5 ways to turn financial literacy into financial capability — this month and all year

By Stephanie Holmes-Winton |November 17, 2025

4 min read

Harvest cash-flow opportunities this fall Harvest cash-flow opportunities this fall

Planning and Advice

Harvest cash-flow opportunities this fall

Learn why clients with one or more of these criteria could be ideal candidates for a cash-flow plan

By Stephanie Holmes-Winton |September 17, 2025

4 min read

What clients really think about buying life insurance What clients really think about buying life insurance

Planning and Advice

What clients really think about buying life insurance

Four common misperceptions and how to address them

By Stephanie Holmes-Winton |August 7, 2025

3 min read

Why you should focus on retirement cash flow more than retirement income Why you should focus on retirement cash flow more than retirement income

Planning and Advice

Why you should focus on retirement cash flow more than retirement income

4 misassumptions that could put your clients’ retirement in danger

By Stephanie Holmes-Winton |June 23, 2025

5 min read

Will open banking and budget apps improve client spending management? Will open banking and budget apps improve client spending management?

Planning and Advice

Will open banking and budget apps improve client spending management?

Not in the short term, and maybe not in the long term either

By Stephanie Holmes-Winton |April 8, 2025

4 min read

Unconscious biases come at a cost to women advisors and clients Unconscious biases come at a cost to women advisors and clients

Planning and Advice

Unconscious biases come at a cost to women advisors and clients

Gender dynamics can hurt client-advisor relationships

By Stephanie Holmes-Winton |March 6, 2025

5 min read

LOAD MORE

More Columnists

Vanessa Oligino Image

Vanessa Oligino

Centres of influence can be key to future referrals 

February 20, 2025|3 min read

Mark Soth Image

Mark Soth

Realizing capital gains for CCPCs before June 25

May 8, 2024|5 min read

Aravind Sithamparapillai Image

Aravind Sithamparapillai

Should business owners avoid CPP by paying themselves dividends?

March 20, 2024|5 min read

Benjamin Felix Image

Benjamin Felix

Realizing capital gains for CCPCs before June 25

May 8, 2024|5 min read

Should business owners avoid CPP by paying themselves dividends?

March 20, 2024|5 min read

John De Goey Image

John De Goey

Opinion: Market underreaction to tariffs threat ‘naïve’

February 10, 2025|4 min read

Opinion: Whither independence?

November 8, 2024|4 min read

Sam Sivarajan Image

Sam Sivarajan

Buckle up: Money’s wild ride through the world of social identity

February 15, 2024|3 min read

Understanding clients means helping them feel in control

December 20, 2023|3 min read