The digital financial wellness program displayed on phones.
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Practical education with the tools required to turn new knowledge into financial capability in the real world

The digital financial wellness program displayed on phones.

The real problems

A growing number of us need help managing debt and spending so that we can achieve our financial and lifestyle goals.

Behaviour is key

Understanding spending habits requires an understanding of why we make certain financial choices.

Online classes
Lesson length
Lesson 4: 
Smarter Spending
People buying food at the grocery store.
Spendable expenses are typically unpredictable. Since they continuously fluctuate, it's hard to ensure accuracy when figuring out how much you spend on them.

Our solution

Most financial literacy programs teach facts, but our programs teach methods and processes. We combine quick and practical lessons with tools, which helps learners make financial changes they can stick to. Users can apply what they've learned to their financial situation, thus bridging the knowing-doing gap. The goal of these lessons is to help people get more life from their money.

The Financial Capability Program (FCP)

The FCP program helps people become fluent in behavioural spending concepts, debt management, and cash flow strategies. The included tools allow them to apply what they’ve learned to their unique financial situation.

Three people collaborating.


$50 -


Unlimited access to purchased course content!
1 - 2 CE credits from FP Canada (FPSC)
Course completion certificates


An annual renewal fee of $299 starts 12 months from the purchase date.
Unlimited access to CCS course content
30 CE credits from FP Canada (FPSC)
+ 30 day free trial access to Cacheflo Advise
Course completition certificates
Certified Cash Flow Specialist (CCS) designation (18-month completion date)

Financial Capability Program lessons

Three jars labelled house, vacation, and college with money in them to save.
Lesson 1:
Budgeting Barriers
Time: 15 min
Learn why budgets are so hard to follow, why they don't work for many things, and when they can work.
A person entering credit card information on a computer.
Lesson 2:
Mental Math
Time: 10 min
Too often, we try to keep track of what we’ve spent in our heads. Learn why mental math isn’t the best way to manage day-to-day expenses.
People buying food at the grocery store.
Lesson 3:
Smarter Spending
Time: 10 min
Learn strategies to simplify the number of decisions you have to make to keep your finances on track without getting overwhelmed.
A smartphone with the Winton app laying next to a laptop.
Lesson 4:
Meet Winton
Time: 20 min
Winton is an easy-to-use app that assists you by uncovering easy financial changes to help you get more life from your money. Users will see how much money they can free up to put towards their goals.
Two people out shopping.
Lesson 5:
Automating Accounts
Time: 5 min
Learn why keeping separate spendable and committed accounts helps you create the structure you need to improve your chances of financial success.
Two people putting puzzle pieces together.
Lesson 6:
Money Mindset
Time: 10 min
Most financial decisions are directly correlated with our personality and spending behaviour. Take the Money Mindset Quiz to learn more about your relationship with money.
A person putting a dart on the bullseye of a target.
Lesson 7:
Goal Getting
Time: 10 min
Your money found is what's left of your take-home pay after your committed expenses and recommended spendable is accounted for. Find out how it's calculated and why choosing a short-term goal is key to your long-term success.
Two people standing on the beach with a surfboard.
Lesson 8:
Funding Fun
Time: 5 min
Learn exactly how much is safe to put towards your short-term goal every month.
A bunch of open colourful umbrellas.
Lesson 9:
Safety Savings
Time: 5 min
We teach you how to figure out your emergency savings target, and how much of your money found can be put towards it each month.
A senior couple with their arms around each other's shoulders.
Lesson 10:
Future Funding
Time: 3 min
Whether you see yourself in retirement, starting a new business, or travelling the world, you’ll learn how much is safe to put towards your long-term goals.
People sitting at a table, with two of them high-fiving.
Lesson 11:
Destroy Debt
Time: 5 min
We help you decide what debt to concentrate on paying first and how much more than the minimum you can afford.
A tip jar.
Lesson 12:
Tips and Tricks
Time: 10 min
We’ll take a look back at what you’ve learned so far, and give you some advanced tips on how to move forward from here.

Help your employees build financial capability today

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