About Us


I have been following money in the financial services industry since 1992– and my own money since my father helped me open my first bank account when I was six. In first year university, my economics professor used the phrase “follow the money” and after a few years in the computer industry and earning a Human Resources designation, I finally realized I could create a future in the financial services industry. I have had many roles: programmer, licensed financial advisor selling investments and insurance, financial planner, a consultant to firms, and to advisors on buying and selling books of business, an expert witness, chair of a working group for the Ontario Securities Commission, speaker, author of several successful books on personal finances, and specialist on retirement matters.

Follow the Money

I would like to welcome you to my growing collection of columns.

I love words and believe they are very powerful. As the author of a number of books about money, taxes and estate planning, and the Financial IntelligenceTM series, I am also fascinated with understanding what drives people to be successful in their lives and with their money.

You have access to more information than ever before. The goal of everything I have written to date about retirement, personal finance, estate planning, investing, and the financial services industry in Canada has been to offer context to help my readers be more successful, comfortable and intelligent with their money. This continues to be my goal and context is as important as ever.

As I first wrote in Who’s Minding Your Money: Financial Intelligence for Canadians, “You are the one who has to live with the consequences of your decisions. When it comes to “who’s minding your money,” you’d better be a big part of it. After all, no one cares about your money as much as you do!”

In a time when we have access to more information than we have ever had, author Henry David Thoreau’s comment, when he referred to Confucius, still ring true, “To know that we know what we know, and that we do not know what we do not know, that is true knowledge.”

We will discuss financial issues that may affect you, or someone close to you. When you consider my ideas, you might be reassured that you are on the right path, or you might file the ideas away until you are ready. If you decide to make any changes, build your financial strategies around your life, not the other way around, starting with a few ideas that seem right for you.

I will be releasing a new edition of You Can’t Take it With You: Estate Planning for Canadians in the spring. The Estate Planning Workbook, Who’s Minding Your Money and Buying and Selling a Business: What Every Financial Advisor and Planner Should Know are currently in print.

I welcome your emails. However, I am not able to provide personal advice in my columns or emails.

Sandra Foster

Headspring Consulting Inc.

I do not sell any investment or insurance products.