ÂÜÀòÂÒÂ×

Hans-Michael Schnell, B.Sc, CCS, serves as a Financial Advisor and Certified Cash Flow Specialist at Spendwell Financial Advisory since 2022, offering money coaching services that help clients enhance their financial wellbeing. As a Senior Partner and Co-Founder of The Kreo Group, established in 2008, Hans-Michael provides comprehensive brokerage services in partnership with leading insurance and investment firms in Canada. Additionally, Hans-Michael holds extensive experience as a Mortgage Agent across various agencies, including TMG The Mortgage Group and Centro Mortgage Inc., since 2012. With a background in financial advising at notable institutions like London Life and Merrill Lynch, Hans-Michael possesses a solid educational foundation, holding a Bachelor of Science in Business Administration from Northwest Missouri State University, complemented by a series of prior studies in the same field.