Financial planning
that begins with understanding you
One of only a few Canadian practices bringing financial therapy into financial planning:
where logic and emotions sit in the same room.
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 that 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.
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.
We start here, with the why behind your money decisions.
Behavioral coaching.
How you behave with money often matters more than what you invest in. Awareness comes first; change follows.
Two months, built around your money and your goals
Introductory Call
We walk you through how we work and what guides our planning philosophy. 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 all figured out
You just have to be ready to begin
Maybe you’re approaching retirement, navigating a major life transition, or trying to make better decisions with a growing income, inheritance, or business. Whatever brings you here, meaningful financial change rarely comes from one perfect decision. It comes from understanding what is driving your choices and building a plan you can follow consistently.
This approach may be a good fit for you if you are:
- Preparing for retirement or moving through another major life transition
- Looking to understand the emotional patterns behind your financial decisions
- Managing an inheritance or windfall and wanting space to process before making major choices
- A health or wellness practitioner building both your 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, and the patterns that show up without you noticing can either strengthen your financial plan or work against it.
At Sapling, our work starts at the root, so the strategies we build together have a strong foundation to grow from.
“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 Therapy
Often 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 your decisions start lining up with the life you want to build.
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 stay in it with you. Ongoing planning guidance, behavioural support, and regular reviews as life changes, with independent portfolio managers coordinated in the background.
Insurance
The right insurance coverage protects everything your plan is built to grow. We fully disclose what we’re paid on every policy, so you always know where the recommendation is coming from.
Compounding Interest:
Mental Wealth Multiplied
- by Olena
- Financial Resources
How our earliest relationships may shape our feelings about money Introduction Let me start with something that might surprise you. If you have ever been
- 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