Pulse Wealth Management Inc.

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Pulse Wealth Management Inc. Bi-weekly blogs to keep you informed and up-to-date with finances!

Helping business owners and professionals turn financial complexity into clarity — with personalized, one-day VIP planning and fee-for-service advice from a Certified Financial Planner (CFP®).

10/08/2026

On paper, a new client I recently met with was doing really well. She had high income, a successful business, investments already in place, and good cash flow.

But when we started talking, she said something I hear more often than you might think: “I feel like I should be doing more with my money, but I don’t know what.”

She had several options in front of her. She could invest more, pay down her mortgage, leave more money in the business, look at tax strategies, or increase her personal investments. None of these were bad decisions.
The problem was figuring out which decision made the most sense for her, and how each one affected the others.

So rather than starting with an investment or a specific product, we stepped back and looked at the whole picture and what she actually wanted her money to do for her over the next 10, 20 and 30 years.

That’s the part of financial planning I love. Sometimes the value isn’t in finding a financial decision you could make. It’s in understanding which decision makes the most sense when you look at everything together.

At a certain level of income, your biggest financial decisions aren’t always obvious. And you don’t necessarily need more options.

You need clarity around the ones you already have.

Have you ever found yourself in a place where you know you’re doing well financially, but you’re not sure what you should be doing next? It may be a good time to reach out!

10/06/2026

Is the problem the reward?

10/06/2026

Is retail therapy a financial problem or an emotional one? I’d love your take.

10/05/2026

My client thought she was entitled to about $400,000 from her divorce.

When we sat down and actually went through her finances together, we realized the picture was closer to $2 million.

And that was only based on what she knew about.

She was a successful lawyer, incredibly busy running her practice, and simply hadn’t been involved in the day-to-day details of their family finances.

It’s a situation I think more people could find themselves in than they realize.

If you’re contemplating divorce or separation, one of the best things you can do to prepare is get a clear picture of your finances.

Make a list of everything you can find:

Your assets vs liabilities
Bank and investment accounts
Mortgages and debts
Insurance policies
Account numbers
Anything that could be part of your financial picture

You don’t need to know exactly what everything means yet. Start by knowing what exists.

Because before you can make informed decisions about your financial future, you need to know what you’re actually working with. And you don’t have to do it alone - a Certified Financial Planner can help you understand the numbers.

If you had to make a list of everything you own and owe today, how confident are you that you could?

Listen to the full episode with Cliterally Obsessed Podcast: https://open.spotify.com/episode/3KiUlzLRCgGMuIjsyPTpAG?si=xhKj3GWgQjKmQQC-1GEhJQ&utm_source=copy-link

10/01/2026

What if paying for financial advice was actually the thing that saved you the most money?

There’s a reason I believe fee-for-service planning can be such a powerful model.

I recently worked with a client who invested $3,500 towards creating her financial plan.

Just one year later, her net worth had grown by 34%.

When you’re paying for the advice and plan itself, the conversation can be about you. Your goals, your decisions, your blind spots, and what needs to change, without the pressure of having to buy a product at the end of the conversation. The focus is on strategy - how to make your money work harder for you, so your money goes so much farther.

And yes, sometimes people hear the initial investment amount and immediately think, “That’s a lot.”

But the better question is: how much further ahead will I be with this investment?

Good financial planning isn’t an expense you should simply hope pays off. It should create enough value and growth that the investment is a no-brainer. And we actually stand behind that process with a fee guarantee: if your you aren’t ahead by at least your planning fee the the end of the first year of full implementation together, we’ll refund the initial investment cost.

Are you surprised to hear that in almost a decade, we’ve never had to refund it?

In this video, I’m sharing why I believe seeking out a fee-for-service planner can be one of the smartest investments you make in your financial future.

Watch the full episode on

09/28/2026

I recently had the chance to sit down with Cliterally Obsessed Podcast for a conversation about something I care a lot about - helping primarily women executives and business owners, along with their families take control of and master their finances.

We hear all the time about emotional and physical health, and this episode shines the spotlight on the often overlooked, ever important pillar of Financial Health.

If you’re new here, this episode is a great place to start!

I’m Melany, I’m a Certified Financial Planner, as well as the founder and owner of Pulse Wealth Management.

But what I do goes far beyond investments and numbers. I work with high level executives, business owners, and their families to eliminate the unknown and overwhelm with money, help them make sense of all the moving pieces that come with building wealth, and, create a step by step, actionable plan to accomplish every one of their goals. Then I help them put it into action - immediately.

The biggest, most rewarding shift often happens when someone goes from “I have no idea if I’m doing this right” to “I actually understand my financial picture, I have a plan, and I’m excited about where it’s taking me.”

That’s really at the heart of why I do what I do.

I share a little more about that in today’s video, including what my clients feel and take away when they walk away from working with me.

Listen to the full episode here: https://open.spotify.com/episode/2bEawf32FQ7N5DnDnVtYMs?si=rXCOYgMCTh6nWCdl079ICA&utm_source=copy-link

09/24/2026

How much money should you actually have sitting in your emergency fund?

You’ve probably heard different amounts. But here’s the thing - there isn’t one right answer.

The amount you need depends on your income, your family, your expenses, your insurance coverage and how much financial flexibility you already have.

And there’s one part of this conversation that I think gets overlooked when people talk about emergency savings.

Your emergency fund doesn’t exist in isolation. It’s one piece of a much bigger financial safety net.

The goal isn’t simply to have a pile of cash sitting in an account. It’s to know that if life throws you a curveball, your financial plan can handle it.

Watch the video and then ask yourself: Would my current financial plan give me enough breathing room if my income suddenly changed? If you're not sure, it might be a good time to reach out!

09/21/2026

She wanted to pay off her home. Not eventually. Not “when the mortgage is almost done.” She wanted to write the cheque, see that $0 balance, and finally have that feeling of being completely debt-free.

And honestly? I understood it. For many people, owning their home outright represents security. Freedom. Peace of mind.

But when we sat down and looked at the numbers, I asked her to consider a different question:

What if paying off the mortgage wasn’t actually the best use of the money?

We ran the projections.

Instead of putting all of that capital into the house, we looked at taking a mortgage, investing $350,000, and allowing that money to compound inside her portfolio.

Her portfolio has historically generated around a 9% net rate of return, but I don’t build plans assuming that will continue forever. I prefer to use much more conservative projections of 4–5% when we’re looking decades into the future.

Even with those conservative assumptions, the difference was significant.

We were looking at the potential for millions more dollars available for her retirement over time.

And that changed the conversation. This wasn’t about telling her that debt is “good.”

It was about understanding that not all debt has the same purpose. There’s a difference between borrowing money to fund consumption and strategically using debt to keep capital invested and working for you.

Sometimes the financially responsible decision doesn’t feel like the responsible decision. And sometimes, the goal isn’t simply to become debt-free. It’s to build the greatest amount of financial freedom possible.

Good financial planning has to look beyond the balance sheet today and ask: What could this decision mean for your life 10, 20 or 30 years from now?

09/17/2026

How financially healthy are you, really?

It’s easy to look at your investments, income, or net worth and assume you’re doing well.

But financial health is about more than a number.

I like to think about it through four simple questions:

1. Can I comfortably manage today?
Can I handle my day-to-day finances without constantly feeling stretched or stressed?

2. Could I absorb a financial shock?
If life threw me a lemon today—a job change, unexpected expense, or major life event—would I have the flexibility to handle it?

3. Am I making progress toward my future self?
Am I building the savings, investments, retirement income and overall plan I’ll need for the life I want later?

4. Do I understand my financial picture well enough to make a big decision?
If an opportunity or major life change came along tomorrow, would I know what I could comfortably afford and what the decision would mean for the rest of my plan?

Because being financially healthy isn’t just about having enough money.

It’s about having clarity, resilience, progress and confidence.

And sometimes, the most valuable financial check-in isn’t “How much do I have?”

It’s “How prepared am I for what comes next?”

Which of these four areas would you say is your strongest—and which one could use a little more attention?

09/14/2026

A few years ago, I was talking with a business owner who had done an incredible job building their company.

The business was successful.
The numbers looked good.
They had investments, property, and a plan for retirement.

On paper, they were doing everything right.

Then we started talking about what would happen if they suddenly weren’t around to make the decisions.

And there was a pause.

They had spent years thinking about how to build the business, but very little time thinking about what would happen to it without them.

✔️ Who would take over?
✔️ What would happen to their shares?
✔️ Would their family know what they wanted?
✔️ How would the business and other assets transfer?

And perhaps most importantly, would the people they love have clarity, or would they be left trying to figure it out during an incredibly difficult time?

That conversation is one of the reasons I believe estate planning is such an important part of financial planning for business owners.

Building wealth is only part of the story. You also need a plan for what happens to it.

You’re building a business. Don’t forget to build what comes after it.

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