Our Zero-Based Budgeting Process

Intentional, Clear, and Adaptable

Our methodology centers on intentional allocation of resources, beginning with a review of your values and ending with practical steps that fit your unique life circumstances. Through open consultation, we build a clear, step-by-step plan, offering guidance for adjustments as your needs evolve. Our goal is to ensure every decision supports what truly matters to you and to provide continued support along your financial journey.

Meet Our Dedicated Team

Our team blends expertise from diverse backgrounds to deliver comprehensive value-based budgeting support.

Jordan Matthews

Jordan Matthews

Lead Consultant

Toronto

Top Skills

Communication Empathy Research Strategic review

Jordan uses a client-first approach, helping guide individuals through each budgeting step with clarity and understanding.

Priya Ramesh

Priya Ramesh

Budgeting Specialist

Vancouver

Top Skills

Budgeting Attention to detail Analytical insight Adaptability

Priya ensures every plan is tailored, accounting for each client’s shifting needs and unique objectives.

Kevin Boudreau

Kevin Boudreau

Client Relations

Montreal

Top Skills

Listening Supportive Guidance Problem-solving Bilingual

Kevin focuses on building long-term trust and clear communication between our consultants and those we serve.

Melanie Choi

Melanie Choi

Process Coordinator

Calgary

Specialties

Coordination Documentation Workflow Flexibility

Melanie orchestrates the step-by-step process that guarantees each consultation runs efficiently and responsively.

Our Approach Explained

1

Initial Consultation

Begin with a personal discussion to clarify values, goals, and expectations—building the foundation for a customized budget plan.

2

Priority Assessment

Identify core priorities and ensure resources are allocated intentionally, rather than by habit or previous patterns.

3

Plan Development

Collaborate closely to draft a zero-based budgeting approach, openly reviewing and discussing every proposed allocation.

4

Ongoing Review

Continue with scheduled progress reviews, making real-time changes and addressing questions as needs evolve.

Team explaining budgeting process on office whiteboard

See The Difference

Compare zero-based budgeting with conventional planning methods

Choosing a value-focused, zero-based process delivers far greater control and insight than standard approaches. See how our method compares below, empowering informed decisions in your journey.

Recommended

Value-Based Planning

A transparent process based on your unique circumstances and evolving objectives.

Consultation Only

Clear Stepwise Process

Each action is outlined to avoid guesswork from the start.

Personalized Support

Advice tailored to your own priorities, not generic rules.

Transparent Allocation

Understand where resources go and why it matters.

Ongoing Review Meetings

Continued discussions as priorities shift over time.

Annual Reflection Built In

Review your progress based on your specific goals.

Traditional Budgeting

General plans that often revert to outdated or non-personalized patterns.

General Service

Clear Stepwise Process

Each action is outlined to avoid guesswork from the start.

Personalized Support

Advice tailored to your own priorities, not generic rules.

Transparent Allocation

Understand where resources go and why it matters.

Ongoing Review Meetings

Continued discussions as priorities shift over time.

Annual Reflection Built In

Review your progress based on your specific goals.