Financial Security Advisor • Ontario
English • Français • Español

Helping Women 40+ Build Financial Stability, Protection and a Clearer Future.

Your financial life gets more complex as life changes. I help women understand where they stand, protect what matters and make clearer decisions about what comes next.

Especially for self-employed women, newcomers to Canada, and women rebuilding or preparing for retirement.

Cashflow planning and financial education available virtually across Canada. Insurance services available to Ontario residents.

Book a 15-Minute Introductory Call Start With the Free Financial Health Scorecard

Chantal Cleroux, founder of CC MoneyWise+, smiling in a burgundy blazer

The problem

When Money Feels Harder Than It Should

You can have a good income and still wonder where the money went.

You can save regularly and still worry that you are not doing enough.

You can own a successful business and still feel uncertain about your personal finances.

You can have insurance and still wonder whether your income and family are properly protected.

And you can be approaching retirement while questioning whether all the financial pieces you have accumulated actually work together.

Sometimes the first thing you need is not another financial product.

You need to understand what is really happening.

That is where we begin.

Free Financial Health Scorecard

Where Are You Starting From?

Not ready to book a conversation yet?

Start with a simple financial check-in. The CC MoneyWise+ Financial Health Scorecard helps you look at your money habits, cashflow structure, protection awareness and future priorities so you can see what may deserve attention next.

Start with the Scorecard

You'll be taken to a dedicated, secure page to complete your Scorecard.

Three pathways

What Are You Trying to Accomplish With Your Money?

An organized notebook and keys in morning light, symbolizing financial clarity

I Want Better Control of My Money

If money comes in but seems to disappear faster than expected, we begin by understanding how it is actually moving. Together, we look at your income, regular commitments, irregular expenses, spending patterns and priorities so you can make decisions based on your real numbers rather than simply reacting to your bank balance. If debt has become difficult to manage, I can also help you organize your financial information and connect you with an appropriately licensed insolvency professional to explore your available options.

Explore Money Strategy →

A navy coat sheltering smaller garments, symbolizing protection for income and family

I Need to Protect My Income and Family

Your ability to earn an income may be one of your most valuable financial assets. Life insurance, critical illness insurance and disability insurance can help protect the people, responsibilities and lifestyle that depend on that income. As your Financial Security Advisor, I help you identify the financial risks that deserve attention and evaluate appropriate protection options available to Ontario residents.

Explore Financial Protection →

A flourishing tree beside ascending steps, symbolizing intentional future growth

I Want to Build for My Future

Once your financial foundation is stronger, the next question becomes: What should the money I do not need today be doing for tomorrow? Investing may become part of your broader financial strategy. Where appropriate, I can connect you through established strategic referral relationships with appropriately registered investment professionals and financial institutions. They remain responsible for regulated investment advice, suitability, account opening and investment management, while I continue to support your broader financial-security picture.

Explore Future Planning →

The starting point

Before We Talk About Where Your Money Should Go, Let’s Understand Where It Is Going.

Cashflow is not the destination.

It is the starting point.

Your income has to support today’s responsibilities before it can successfully fund tomorrow’s goals.

That is why my work often begins with cashflow.

We look at your real numbers, regular commitments, irregular expenses, spending patterns and financial priorities.

From there, we can make better decisions about savings, debt, protection, future goals and what deserves your next dollar.

Cashflow is the engine behind your financial life.

See How My Approach Works

The framework

Stability. Protection. Prosperity.

Stability

Know what your lifestyle costs.
Understand how your money moves.
Create enough structure that everyday financial decisions stop feeling like financial emergencies.

Protection

Identify the risks that could disrupt everything you are building.
Protect your income, family and important responsibilities appropriately.

Prosperity

Once your foundation is stronger, your money can be directed more intentionally toward your future.
That may include saving, investing, retirement preparation and other long-term goals.

We build in the right order.

Stability first. Protection next. Prosperity grows from there.

Who I help

Financial Decisions Look Different at Different Stages of Life.

Women 40+

Whether you are building, rebuilding, caring for family, growing a business or preparing for retirement, this stage of life deserves financial decisions built around you.

Self-Employed & Entrepreneurs

Irregular income requires a different financial system. Create greater structure between business income, personal responsibilities, taxes, protection and future priorities.

Newcomers to Canada

Canada’s banking, credit, insurance and savings systems may be unfamiliar even when you already know how to manage money. Build a financial foundation you understand.

Individuals & Families

When multiple priorities compete for the same income, a clear financial structure can make everyday decisions much easier.

See Who I Help

About Chantal

Money Is Personal. Good Guidance Should Be Too.

I’m Chantal Cleroux, Financial Security Advisor, Certified Cashflow Specialist, financial educator, author and speaker.

My approach combines financial knowledge with an understanding of how people actually make money decisions.

Because financial decisions are human decisions.

And before deciding what your money should do next, I want to understand what your life needs it to do.

Guidance available in:

English • Français • Español

Meet Chantal

The approach

Stability. Protection. Prosperity.

First, understand and stabilize how money is moving. Then identify what needs protecting. From that stronger foundation, make more intentional decisions about the future.

Cashflow planning and financial education available virtually across Canada. Insurance services available to Ontario residents.

Featured guide

Looking for Financial Help but Not Sure Who You Need?

Financial advisor.

Financial planner.

Insurance professional.

Investment advisor.

Money coach.

They do not all provide the same services.

My Canadian guide explains what to look for, what questions to ask and how to determine which type of professional may fit your needs.

Read the Guide

How to Choose a Financial Advisor in Canada

Choosing someone to help with your money should begin with a different question: What kind of financial help do I actually need?

What they are qualified to provide.
What licences or credentials they hold.
How they are compensated.
Whether they sell financial products.
Whether their experience matches your needs.
And what happens after the first meeting.

You Don’t Have to Figure Everything Out Before We Talk.

You only need to know what is bothering you most.

Maybe your money disappears too quickly.

Maybe retirement is getting closer.

Maybe your income changes every month.

Maybe you are unsure whether your family is properly protected.

Maybe you have money available to invest but do not know what should happen next.

Or maybe you simply know your financial life should feel more organized.

That is enough to start.

Book Your 15-Minute Introductory Call

No pressure. We begin by figuring out what you actually need.