Fee-For-Service Integrated Wealth Management
Stay on track with your financial goals through a strong, supportive relationship and seamless collaboration between us and trusted investment managers, focused on your long-term success.
Olena Keshysheva, CFP®, CIM® | Certified Financial Behavior Specialist® | 14 Years Experience | Serving Clients Across Canada
We don't manage your investments. We oversee the professionals who do.
Our team works closely with independent portfolio managers to keep your plan and your investments aligned.
Because we don’t manage the money ourselves, our planning advice isn’t tied to selling you a product.
All investment managers and their trustees are members of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF), which provide an added layer of protection for your investments.
What We Offer
- A long-term relationship focused on implementation and accountability
- Ongoing financial planning guidance and behavioural support
- Seamless coordination with independent portfolio managers
- Regular reviews and plan adjustments as life changes
- Clear reporting on risks, performance, and fees
Our Investment Management Network
A Sliding-Scale Model for Every Stage of Wealth
We think planning should come before money moves, so we begin with a fee-only planning engagement. You get to know the plan and the relationship before any assets transfer, and only once the plan is ready do we support implementation through independent portfolio managers.
Once investment management is in place, ongoing planning fees are drawn from your assets. For portfolios below $500,000, a blended structure may apply, billed partly directly to you and partly through your portfolio. Anything more involved, like business ownership or rental income, we’ll walk through together.
Our Commitment to Every Client
Investment Solutions
Our portfolio managers offer a range of investment strategies to fit your needs, including:
- Passive Investing
- Active Management
- Institutional Approaches
- Alternative Investments
Flexible Fee Structure
- Range: 0.45% (passive approach) to over 1% (private equity and alternative investments)
- This includes both investment management fees and embedded MERs (Management Expense Ratios)
- Your total fee for investment management and financial planning is approximately 1.6%, and it decreases as your assets increase
Transparency & Clarity
We provide an annual report detailing all fees, categorized as:
- MER
- Investment Management
- Administration
- Financial Planning
Three Parts to Your Fee
1
Out-of-Pocket Subscription
Billed to you directly, monthly. Applies to portfolios under $500,000, and decreases as your assets grow.
Paid to Sapling
2
Financial Planning Fee
Deducted from your portfolio by your portfolio manager, and remitted to Sapling under our referral agreement, based on the schedule below.
Paid to Sapling via Portfolio Manager
3
Investment Management Fee
Billed to your portfolio, separate from planning. Set independently by your portfolio manager.
Paid to Third-Party Manager
The ongoing financial planning fee is as follows:
Assets under care
Referral / Planning Fee
$0 - $350,000
1%
$350,000 - $1,000,000
0.60%
$1,000,000 - $2,000,000
0.40%
$2,000,000 - $3,000,000
0.25%
$3,000,000+
Negotiable
How the Fees Work
Estimate Your Annual Fee
For portfolios under $3,000,000
Estimates only, based on investable assets. This does not include real estate, rental properties, or other illiquid assets. This estimate reflects a general case; complex business ownership, rental property income, or other specialized needs are discussed individually and may involve an additional fee. The financial planning fee is billed through two channels: a portion deducted from your portfolio, and a monthly subscription billed directly to you.
Investment Management Fee
This is a separate fee charged directly by the third-party portfolio manager we refer you to, not by Sapling. Rates vary by manager, typically between 0.40% and 0.85%. Use the slider to see how it affects your total cost.
The investment management fee is an estimate only. Actual rates are set independently by your portfolio manager and are not controlled or collected by Sapling Wealth & Wellness.
Have more questions?
Book a 30-min intro call with Olena to find out more about what this work could mean for your relationship with money.