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

I started this business with one clear purpose: to help people feel empowered and in control of their finances. Over the years, I’ve seen how overwhelming money management can be — whether it's navigating personal budgeting, managing business cash flow, or trying to plan for big life goals like buying a home. I created JCL Budgeting to provide not just financial plans, but peace of mind.

With a strong foundation in financial modeling and strategic planning through my FMVA certification, I bring a structured and professional approach to every client’s situation — whether you’re an individual, family, or small business owner. My services include personalized budgeting solutions, debt-reduction planning, business financial management, and outsourced CFO support. Everything is tailored to your specific goals and lifestyle, with dynamic tools and clear reporting that evolve as your needs do.

I work with clients across Northern Ontario and beyond, offering guidance that’s not just numbers-based — but real, actionable, and human. I believe in meeting people where they are, listening without judgment, and building plans that are both practical and motivating. Many of my clients use interactive dashboards and tools that update automatically, helping them stay engaged and in control every step of the way.

At the heart of JCL Budgeting is my commitment to helping you create a life and business that runs with intention. You're not just hiring a financial expert — you're gaining a partner who genuinely cares about your success. I’m here to simplify the process, remove the stress, and guide you toward a more confident financial future — one smart decision at a time.

I also offer services in both official languages English and French