Financial planning
that begins with understanding you
One of only a few Canadian practices integrating financial therapy into every step of the financial planning process.
We don’t lead with products. We lead with understanding.
Olena Keshysheva, CFP®, CIM® | Certified Financial Behavior Specialist® | 14 Years Experience | Serving Clients Across Canada
Helping you build your bigger picture
Sapling exists to improve lives through objective financial planning and healthier relationships with money. That starts with recognizing something most financial firms overlook: financial wellness isn’t separate from overall wellness. It sits alongside emotional, physical, social, and spiritual wellbeing — and when it’s out of balance, everything else feels it too.
Financial stress doesn’t stay in a spreadsheet. It shows up in relationships, in sleep, in how we make decisions under pressure. That’s why Sapling’s Financial Planning approach starts with understanding the whole person first, and builds the plan from there.
are built for your ideal, not your reality
understanding why you do what you do
"Imagine walking into a physician's office and being handed a prescription before anyone asked what was wrong. We don't do that."
Plan first. Product second. Always.
Plan first.
Product second.
No product pitch, ever. Your plan is built before anything is recommended.
Objective product
advice tailored to you.
We don’t manage your investments. We oversee the professionals who do.
Financial therapy integrated.
One of only a few Canadian financial planners addressing the emotional side of money at every step.
Behavioral coaching that pays off.
Research shows behavioral coaching often delivers more return than portfolio selection alone.
Two months, built around your money and your goals
Introductory Call
We walk you through how we work. No pressure, no pitch. You decide if it feels right.
Discovery Call
We go deep: your values, history with money, emotional context behind the numbers.
Financial Planning
Four focused sessions built around your priorities. We work together, and in between, you do meaningful work too.
Strategy Meeting
Before anything is finalized, we reflect before we commit. Does this still feel right? Have your priorities shifted?
Your Plan
A financial plan that reflects who you actually are. Implement it independently, or with our support.
Ongoing Relationship
Reviewed quarterly, an annual plan that adapts because life does, and is built to last.
You don't have to have it figured out
You just have to be ready to start
Sapling works with people at different stages, but they all want the same thing: financial planning built around who they actually are, not a product built around what their advisor sells.
- Professionals navigating lifestyle inflation wanting to make thoughtful long-term decisions
- Individuals and families in life transition, who want financial consistency
- Those seeking to understand and change their relationships to money
- Health and wellness practitioners growing their business and personal wealth
Understanding your past supports growing your future
Every financial decision grows from something deeper than numbers. Your history with money, the beliefs you inherited, the patterns that show up without you noticing — these are the foundations that either support financial planning or quietly undermine it.
Sapling’s work starts at the root, so the strategies we build together actually hold.
“Olena is a pleasure to work with. She is very knowledgeable and has the tools to help wherever you are on your financial journey.”
“She knows her stuff and as a result, I will retire much sooner and richer. Sound, clear, top-level service.”
“Working with Sapling changed how I think about money. For the first time, my plan actually feels like mine.”
Ready to understand your money better?
Financial Wellness Planning
Financial Wellness Coaching
Sometimes the biggest barrier to a good financial plan isn’t the numbers, it’s the emotional patterns underneath them. These sessions help you understand your relationship with money so you can make decisions that actually align with your life.
Fee-only Personal Financial Planning
A comprehensive financial plan built around your values, your goals, and who you actually are. No products, no commissions, just a plan that fits.
Fee-only Financial Planning for Business Owners
Running a business adds complexity to your financial picture that most plans don’t account for. We build around both your personal and business goals so nothing gets left out. Button: More about financial planning for business owners
Fee-for-service Integrated Wealth Management
Once your plan is in place, we help you select and oversee the investment professionals who bring it to life. Your investment strategy serves your plan, not the other way around.
Insurance
The right insurance coverage protects everything your plan is built to grow. We provide independent guidance with no commission pressure, so recommendations are always made in your interest.
Compounding Interest:
Mental Wealth Multiplied
- by Olena
- Financial Resources
You’ve built wealth. So why does anxiety persist? For most of my life, I thought the answer was more. One more degree. One more role.
- by Olena
- Financial Resources
Introduction to IFS and Financial Healing Every client I work with has a money story. They are all different, but they all exist, and they
- by Olena
- Financial Resources
As a financial planner with over 14 years of experience, I’ve worked with couples navigating the emotional and financial complexities of divorce. I’ve seen firsthand