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.

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

The difference between financial advice and product advice The difference between financial advice and product advice

Planning and Advice

The difference between financial advice and product advice

We need to ensure that clients have access to whatever they need to be successful

By Stephanie Holmes-Winton |January 23, 2025

3 min read

Help your clients prepare for the unexpected Help your clients prepare for the unexpected

Planning and Advice

Help your clients prepare for the unexpected

Seven ways to get the most out of a rainy-day fund

By Stephanie Holmes-Winton |December 27, 2024

4 min read

When clients need to use debt in retirement When clients need to use debt in retirement

Planning and Advice

When clients need to use debt in retirement

Debt management strategies can be used throughout a client’s lifetime

By Stephanie Holmes-Winton |November 20, 2024

4 min read

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