Master Your Finances in the Digital Age
Cifoyo-Dacoka provides cutting-edge financial education for Canadians. Learn to budget effectively, track expenses, and build financial security with our innovative programs.
Explore ProgramsAbout Our Mission
Cifoyo-Dacoka was founded in 2020 with a simple goal: to make financial literacy accessible to all Canadians. In today's complex economic landscape, understanding personal finance is no longer optional—it's essential.
Our team of financial experts and educators has developed a unique approach that combines traditional financial principles with modern digital tools. We believe that everyone deserves the knowledge to make informed financial decisions.
What sets us apart is our focus on practical, actionable strategies rather than theoretical concepts. Our students see real results in their financial health within weeks of starting our programs.
Our Education Programs
Budget Foundation
Master the basics of budgeting with our foundational program. Learn to create and maintain a budget that works for your lifestyle and financial goals.
Includes: Budget templates, expense tracking tools, and personalized feedback from our financial coaches.
Debt Management
Develop strategies to reduce and eliminate debt while building healthier financial habits. This program focuses on practical approaches to debt reduction.
Includes: Debt assessment tools, repayment planning, and negotiation techniques for better terms.
Investment Readiness
Prepare yourself for confident investing by understanding markets, risk assessment, and portfolio building tailored to your financial situation.
Includes: Investment simulation tools, market analysis education, and risk profile assessment.
Program Pricing
Essential
- Basic budget training
- Expense tracking tools
- Monthly financial check-ins
- Email support
- Community access
Professional
- All Essential features
- Debt management strategies
- Weekly coaching sessions
- Custom financial plan
- Priority support
- Investment education
Enterprise
- All Professional features
- Family financial planning
- Estate planning basics
- Tax optimization strategies
- 24/7 dedicated support
- Retirement planning
Learning Environment
Student Experiences
Frequently Asked Questions
Most students begin seeing positive changes in their financial habits within the first month. Significant financial improvements typically appear within 3-6 months of consistent application of our strategies.
No special software is required. We provide all necessary tools through our platform, which is accessible through any web browser. Some students choose to supplement with their favorite budgeting apps, but this is entirely optional.
Absolutely! Our Budget Foundation program is specifically designed for those new to financial planning. We start with the basics and gradually build up to more advanced concepts at a comfortable pace.
This depends on your chosen program. The Essential plan includes monthly check-ins, while Professional offers weekly sessions. Enterprise clients receive ongoing support as needed with 24/7 access to their dedicated coach.
Yes, all our programs come with a flexible cancellation policy. You can cancel at any time without penalty, and we'll refund your current month if you're not satisfied with our services.