Chantal Cléroux
Your Cashflow Expert
Maximize Your Wealth: Harness the Power of a Cashflow Expert
When your cashflow feels tight, it can affect everything—from your peace of mind to your ability to plan ahead.
Whether you’re managing a household budget or running a small business, healthy cashflow is what keeps life moving smoothly.
That’s where a cashflow expert like Chantal Cléroux, a Certified Cashflow Specialist partnered with Desjardins, comes in.
Chantal helps you see your full financial picture clearly—what’s coming in, what’s going out, and how to make the most of every dollar.
Her goal? To simplify your finances, reduce stress and help you make confident money decisions that align with your goals and lifestyle.
What We Offer
- Cashflow planning and forecasting
- Personalized money management strategies
- Business cashflow improvement plans
- Expense optimization and debt unification strategies
- Long-term financial habit development
Chantal Cléroux
Financial Security Advisor
About Chantal Cléroux
I’m your go-to cashflow management expert, here to help you master your finances with ease and efficiency. I love working with businesses and individuals to create practical, immediate strategies that boost your monthly cashflow, helping reduce financial stress through smart money management.
With a passion for helping clients achieve their financial goals, I bring my unique combination of compassion, strategy and Desjardins-backed support makes me the perfect partner for anyone ready to gain control of their finances.
I focus on what truly matters: clarity, confidence and peace of mind.
Plus, when you’re ready to explore additional financial options, I can connect you with Desjardins’ trusted financial products to further enhance your financial journey. Let’s team up to turn your financial goals into reality and enjoy a worry-free financial future!
What We Offer
Creating a Sustainable Cashflow Strategy
Every client’s financial situation is unique. That’s why Chantal designs custom cashflow strategies tailored to your goals, lifestyle and comfort level.
Whether you’re working toward debt reduction, long-term savings, or improved business efficiency, she helps ensure your financial plan stays flexible enough to handle life’s changes.
For Businesses: Cashflow That Fuels Growth
If you’re a business owner, managing your daily operations and maintaining healthy cashflow can be a constant balancing act.
Chantal works with you to develop practical cashflow strategies that support growth and stability.
This includes analyzing payment collections, improving invoicing cycles, and ensuring your business always has the liquidity it needs to pursue new opportunities.
Her process helps you stay ready for challenging times while maintaining flexibility for expansion.
For Individuals: Breathing Room in Your Budget
If you’re feeling stretched thin by household expenses—like car leases, child care, property taxes, or home maintenance fees—Chantal helps you find balance.
Her behavioural cashflow planning process focuses on your real lifestyle, not just numbers on a spreadsheet.
Together, you’ll uncover hidden opportunities in your budget and create a plan that supports both short-term comfort and long-term savings.
Chantal’s Cashflow Planning
1
Lifestyle-First Financial Planning
We start with your goals, values and day-to-day needs—not just products. Your lifestyle drives the plan.
2
Cashflow Discovery & Optimization
Uncover hidden opportunities in your budget and restructure income and debt for immediate relief.
3
Stress-Free Money Management
Turn financial chaos into clarity with a proven system that balances today’s comfort with tomorrow’s growth.
4
Debt Reduction & Financial Flexibility
Reduce strain, create breathing space and lay the foundation for wealth-building—without feeling squeezed.
5
Trusted Product Access Reliable Financial Tools
When you’re ready, tap into our financial tools with confidence and clarity.
6
Quick access, caring guidance and a partner who responds within 24 hours—because your journey matters.
Connect with Chantal Cléroux
Ask me a question, or simply call to chat.
Why Choose Chantal?
Why Work With Me?
While many advisors talk about the future, Chantal focuses on your present cashflow. She believes that if you’re not comfortable today, tomorrow feels out of reach. By addressing immediate lifestyle needs and building a strong cashflow foundation, Chantal creates financial strategies that truly resonate.
Cashflow Comes First
Unlike traditional advisors who lead with products, Chantal starts with your real-life income, expenses and lifestyle. That means practical, immediate improvements before any talk of investments or insurance.
Immediate Financial Relief
Her proven system helps uncover hidden budget opportunities, reduce debt stress, and create financial flexibility – so you can breathe easier, faster.
Personalized, Hands-On Support
Chantal brings warmth, clarity, and responsiveness to every client relationship. You’re not just a number – you’re a partner in a plan that fits your life.
Backed by Desjardins
With the strength and stability of Desjardins behind her, Chantal offers trusted financial tools when you’re ready- no pressure, just smart timing.
Built for Families & Small Businesses
Whether you’re managing household expenses or running a business, Chantal’s approach adapts to your goals, helping you build sustainable financial habits that last
Common Questions
What services does a cashflow management expert provide?
A cashflow management expert helps you understand where your money’s going and how to make it work better for you. Services can include personal or business cashflow planning, budgeting strategies and forecasting. The goal is to improve profitability, manage day-to-day cash needs and keep your finances healthy.
How can you help improve my monthly cashflow right away?
We’ll look at your current situation and find quick, realistic ways to boost your cashflow. That might mean identifying hidden savings, adjusting spending habits, or improving how money moves in and out each month, so you can feel less financial pressure and more control.
How do you balance short-term needs with long-term goals?
It’s all about finding the right balance. We’ll create a plan that lets you enjoy financial breathing room today while setting up a strong foundation for your future. You’ll have a strategy that supports both your current lifestyle and your long-term goals.
How does your service help reduce financial stress?
Financial stress often comes from uncertainty. I help you gain clarity and confidence with practical, step-by-step strategies that improve cashflow, simplify money management, and give you a clear plan forward, so you can finally relax about your finances.
Can you help me find financial products for my business?
Absolutely. I can connect you with trusted Desjardins financial products and help you choose the ones that best fit your goals. Together, we’ll make sure any products support your overall cashflow and growth strategy.
What makes your approach different?
Most advisors start by talking about products. I start with you—your lifestyle, your goals, and your cashflow. Once your day-to-day finances are strong, we can explore investments or insurance. Backed by Desjardins, you’ll enjoy both flexibility and security in your financial journey.
Who can benefit from your services?
Anyone who wants to take control of their money! Whether you’re a business owner looking to stabilize cashflow or an individual wanting to feel more confident about your finances, my approach is designed to help you grow and stay financially healthy.
How do I get started?
Getting started is simple. Just reach out to chat about your financial goals, and I’ll help you create a personalized plan that fits your needs and budget.
For your group benefit plans and more connect today
Schedule an Appointment
Taking the first step toward financial clarity is easy. Whether you’re managing a household budget or running a growing business, Chantal Cléroux can help you understand your cashflow, reduce stress, and build a plan that fits your life.
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