Hi, I’m Julie, founder of JCL Budgeting & CFO Services and a Certified Financial Modeling & Valuation Analyst (FMVA).

I started this business with one clear purpose:

to help people feel informed, confident, and in control of their finances — without overwhelm or judgment.

Over the years, I’ve seen how stressful money can feel, whether you’re managing household finances, navigating a fixed income, or trying to make smart decisions for a growing business. Too often, people are left guessing or feeling behind. My role is to bring structure, clarity, and calm to that process.

My Approach

Financial guidance should be practical, respectful, and grounded in real life — not complicated language or one-size-fits-all advice.

When we work together:

You’re met where you are

Everything is explained in plain language

Decisions are based on your real numbers

Plans are built to evolve as life or business changes

This work isn’t about perfection.

It’s about progress, clarity, and confidence.

Experience You Can Rely On

With a strong foundation in financial modeling and strategic planning through my FMVA certification, I bring a structured and professional approach to every client situation.

I support:

Individuals and families seeking financial clarity

Seniors navigating fixed or limited incomes

Service-based and women-led businesses

Entrepreneurs and founders ready to grow with intention

My work combines technical expertise with a human approach — because numbers only matter if they help you make better decisions.

Why Clients Choose JCL

Clients often tell me they feel heard, supported, and finally clear about their finances.

You won’t find pressure or judgment here.

You’ll find practical guidance, honest conversations, and a partner who genuinely cares about your success.

You’re not just hiring a financial professional — you’re gaining support designed to help you move forward with confidence.

Bilingual Support

Services are offered in English and French, ensuring clear communication and comfort for clients in both official languages.

Next Step

If you’re ready for clarity — or simply want to understand your options — the next step is a conversation.