Melissa is a chiropractor who owns a busy clinic in Kelowna. She’s built a great practice over the past five years—solid revenue, a growing team, and a loyal patient base. Her husband, Jake, is a civil engineer and helps with the clinic’s books in his spare time.

They have two boys under 10 and a calendar that always feels one step ahead of them. Melissa came to us during a season that felt like controlled chaos.

We started by bringing calm to the chaos—connecting their business numbers to their personal goals. Over the next few months, here’s how we helped Melissa and Jake turn stress into structure:

Rebuilt their clinic’s cash flow system using the Profit First principles. Melissa was running her business off her bank balance, unsure what she could afford to pay herself. We created a system of separate accounts for income, expenses, taxes, owner’s pay, and profit. Now, she pays herself consistently and knows exactly what’s safe to spend—and what isn’t.

Increased her take-home income by 15% without increasing revenue. By fine-tuning expenses and shifting how money flowed through the business, Melissa is now paying herself more—and with less guilt. She even took a long weekend off last month without worrying about cash flow.

Melissa and Jake finally feel in control. What used to feel scattered and stressful now has structure, clarity, and momentum.

Melissa pays herself consistently, knows her taxes are covered, and can take time off without worrying about cash flow. Jake feels more confident and less burdened, knowing their finances are organized and moving in the right direction.

Their RESP accounts are growing, investments are streamlined, and their long-term goals are mapped out.

For the first time, their money feels like a tool to build the life they want—not a source of stress.

Rachel just graduated and returned home to Alberta after completing her degree in the U.S. She recently joined a well-established clinic as an associate, and with the lead doctor stepping back, Rachel has an incredible opportunity to grow her patient base quickly.

She’s excited to be back and begin her career—but she’s also feeling the weight of what comes next.

Like many new grads, Rachel left school with a mix of excitement and debt. Between student loans, variable income, and the pressure to "get it all right" early on, money quickly became a source of stress. She wanted to enjoy her new chapter—saying yes to a friend’s destination wedding, planning for future milestones like buying a condo—but wasn’t sure how to balance it all.

She knew she needed a plan. Not a pitch. Not a product. A real plan—with guidance from someone who understands chiropractors and the early-career financial rollercoaster.

Rachel reached out to Align Wealth after hearing about our work from a chiropractor she met at a seminar. She didn’t feel confident with money yet—but she was ready to learn.

Together, we:

‍Created a system to manage her variable income. Rachel now pays herself a regular monthly “salary” from her corporation and sets aside tax reserves automatically, so she’s never caught off guard come spring.

‍Built a personal cash flow plan that fits her life. We set clear savings targets without being restrictive—giving her permission to enjoy her income while building smart habits.

‍Refinanced high-interest debt. We developed a student loan repayment strategy that balances progress with flexibility, reducing her interest burden and financial anxiety.

‍Automated savings toward short- and long-term goals. Rachel now contributes monthly to an emergency fund and a future down payment fund, without having to think twice about it.

‍Introduced her to investing. We walked through the basics—risk, market cycles, index funds—so she could start investing confidently with a simple, low-fee strategy.

‍Helped her secure professional disability insurance. With her income now dependent on her ability to work, protecting it became a priority from day one.

Rachel says the biggest shift is how she feels about money. She’s no longer avoiding her finances or second-guessing every decision—she’s making moves with confidence and clarity.

She has systems in place that keep her organized without feeling restricted. She still says yes to trips with friends and enjoys the freedom of her new career, but now there’s intention behind every dollar. Her student loans are shrinking, her savings are growing, and she’s on track to have a down payment for a condo within the next few years.