Integrated Wealth Management Services

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.

Why Choose Us?

Our team works closely with top-tier portfolio managers to align your financial and personal goals. You’ll benefit from complete transparency regarding investment risks, performance, and fees, while we ensure the managers stay focused on your best interests. This integrated approach eliminates conflicts between investment management and financial planning, giving you access to elite portfolio managers while allowing us to fully focus on your financial planning needs.

For your peace of mind, all investment managers and their trustees are members of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF), ensuring your investments are safe and secure.

What We Offer

  • A comprehensive financial plan tailored to your goals
  • Seamless collaboration with top-tier portfolio managers
  • Ongoing financial coaching and therapy to support your overall well-being
  • Full transparency regarding investment risks, performance, and fees
  • Ongoing review and adjustment of your financial plan to keep it on track
  • Access to elite investment managers with a focus on your best interests
  • Regular check-ins to ensure your financial plan evolves with life changes

How much does it cost?

As part of our integrated wealth management model, financial planning fees are deducted from your assets. To ensure we can deliver the highest level of service, we typically work with clients who have a minimum of $500,000 in assets. However, we do make exceptions; please reach out if you believe this model is a good fit for you.

The ongoing financial planning fee is as follows:

Account Size

Referral / Planning Fee

$350,000 or below

1%

$350,000 - $2,000,000

0.6%

$2,000,001 - $3,000,000

0.5%

$3,000,001 - $5,000,000

0.4%

$5,000,000 +

Negotiable

Flexible Fee Structure & Customized Investment Solutions

At Sapling Financial, we offer a range of investment strategies to fit your needs, including:

Flexible Fee Structure & Customized Investment Solutions

Transparency & Clarity

We provide an annual report detailing all fees, categorized as:

Our Investment Management Network