Fee-Only Personal Wealth Planning
We provide independent wealth planning built around your goals, values, and life stage.
Whether you’re planning for retirement, growing your wealth, or navigating a transition, we help you make informed financial decisions that support your long-term vision.
Olena Keshysheva, CFP®, CIM® | Certified Financial Behavior Specialist® | 14 Years Experience | Serving Clients Across Canada
More care, so your plan fits real life
A strong financial plan begins with an understanding of human behaviour. Technical expertise gives it structure, and thoughtful implementation turns strategy into lasting action.
1
TEND THE ROOTS
Human behaviour
We explore your values, goals, and money stories, slowing down to reflect on the experiences and patterns that shape your financial life, and what you want it to look like next.
2
Build with insight
Technical expertise
As understanding deepens, we build sound financial strategies around your life-creating structure that supports growth while honouring the complexity of your journey.
3
Grow with support
Thoughtful implementation
Because meaningful change takes time, we guide the process at a pace you can sustain, with support to grow new habits and lasting progress.
By combining financial planning with education, coaching, and psychology-informed insight, we help you understand not only the financial decisions in front of you, but the behaviours, emotions, and experiences that can shape them.
This approach takes more time and care, and it is designed to help the changes last.
How does it work?
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.
Plans Designed for You
Comprehensive planning, tailored to your circumstances
Every engagement begins with an understanding of your financial circumstances, priorities, values, and goals, as well as the experiences, behaviours, and emotions that can shape financial decisions.
From there, the scope and depth of the technical planning are tailored to your needs and complexity.
Individual Financial Planning
- Cash flow review and budget planning
- Saving strategies for retirement, education, and other financial goals
- Review and analysis of existing investments and financial products
- Asset allocation and risk tolerance analysis
- Tax planning and optimization
- Life, disability, and critical illness insurance review
- Estate and legacy planning
- Real estate and investment property planning, where applicable
- Financial behaviour and decision-making support, where relevant
Family Financial Planning
For couples and families looking to coordinate shared goals, financial decisions, and long-term planning.
- Household cash flow review and budget planning
- Saving strategies for retirement, education, and other financial goals
- Review and analysis of existing investments and financial products
- Asset allocation and risk tolerance analysis
- Spousal RRSP planning
- Family income-splitting opportunities
- Tax planning and optimization
- Life, disability, and critical illness insurance review
- Estate and family legacy planning
- Real estate and investment property planning, where applicable
- Financial behaviour, communication, and decision-making support, where relevant
Retirement & Estate Planning
For clients approaching retirement or looking for greater clarity around retirement income, taxation, estate planning, and the transition from accumulating wealth to drawing from it.
- Cash flow planning through different stages of retirement
- Integration of CPP, OAS, pension plans, registered accounts, personal savings, and other income streams
- Tax-efficient retirement income and withdrawal planning
- Account-specific asset drawdown strategies
Review and analysis of existing investments and financial products - Asset allocation and risk tolerance analysis
- Estate and legacy planning
- Planning for final estate taxes
- Downsizing, long-term care, and other significant retirement decisions
- Real estate and investment property planning, where applicable
- Financial behaviour and decision-making support through the retirement transition, where relevant
How Much Does It Cost?
Financial Planning Only
A one-time comprehensive financial planning engagement designed to provide clarity, analysis, recommendations, and direction.
Individual Wealth Planning
From $4,500
Family Wealth Planning
From $5,250
Retirement & Estate Planning
From $6,375
Final fees reflect the scope and complexity of your financial circumstances.
Best suited for clients who want a comprehensive standalone financial plan without ongoing implementation or coaching support.
Financial Planning + Integrated Wealth Management
Begins with a comprehensive financial plan, followed by a transition into our Fee-for-Service Integrated Wealth Management model for ongoing planning, coordination, and implementation through our independent portfolio management partners.
This option is typically appropriate for clients who:
Require ongoing coordination between financial planning and investment management
Value ongoing coaching and accountability to support decision-making and long-term follow-through
Have more complex investment, tax, estate, or retirement income needs
Are retired or approaching retirement and need ongoing support managing income streams
Want long-term guidance as their financial circumstances evolve
Many clients choose this option as their financial lives become more complex and they come to value ongoing support through both the technical and human sides of money.
One-Year Financial Planning & Implementation Support
A 12-month engagement that includes the full financial planning process, followed by ongoing coaching, implementation support, and accountability for the remainder of the year.
Individual Wealth Planning
From $9,500
Family Wealth Planning
From $11,000
Retirement & Estate Planning
From $13,500
This option may be appropriate for clients who:
Want structured support implementing their financial plan
Want support exploring and adjusting long-standing money patterns and decision-making habits
Are in an asset accumulation phase
Rely primarily on pensions or employer-sponsored plans
Are financially sophisticated and comfortable managing investments independently
Want professional guidance, coaching, and accountability throughout the year
Frequently Asked Questions
Why does your process include so many meetings?
Financial planning involves more than creating recommendations.
Working across several meetings gives us time to understand your circumstances, complete the technical analysis, work through important decisions, and adjust the strategy as needed.
It also allows time for education, reflection, and the behavioural or emotional work that may be relevant to making and implementing financial decisions.
Do I really need this many meetings?
Our planning process is intentionally structured over several meetings so we can work through your priorities in depth rather than trying to address your financial life in a single conversation.
The four focused planning sessions are selected after Discovery based on the areas most relevant to your circumstances.
Is this financial planning or coaching?
It is comprehensive financial planning with financial life coaching and psychology-informed approaches integrated where they are relevant.
The technical work remains central to the engagement. Depending on your needs, we may also explore the behaviours, beliefs, emotions, or patterns influencing a financial decision or making implementation difficult.
How are you paid?
Our financial planning engagements are provided on a fixed-fee basis.
The fee is determined by the scope and complexity of the work. Under the financial planning engagement, we do not receive commissions or third-party incentives for the recommendations we provide.
If you later choose an ongoing service or investment management relationship, separate fees and disclosures will apply.
Do I have to move my investments to work with you?
No.
You can engage us for financial planning without transferring or moving your investments.
Where ongoing investment management is appropriate, we work with independent portfolio management partners under a separate relationship.
What if I'm not sure we're the right fit?
That’s what the introductory call is for.
We’ll discuss what you’re looking for, explain how we work, and determine whether our approach is appropriate for your needs. There is no obligation to proceed.
What happens after my plan is delivered?
You can choose to implement the recommendations independently or continue working with us through one of our ongoing planning and implementation options.
If you do not select ongoing support, the standalone financial planning engagement concludes once your plan has been delivered.
Is this the same as seeing a therapist or counsellor?
No.
Our approach may incorporate financial therapy, behavioural finance, financial life coaching, nervous system awareness, and other psychology-informed approaches as they relate to money and financial decision-making.
Financial therapy through Sapling Wealth & Wellness is not psychotherapy, clinical counselling, medical care, or a substitute for working with a licensed mental health professional.
When needs arise outside the scope of our work, we may recommend support from an appropriately qualified mental health professional.
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.