Pricing
Financial Planner Prices and Packages
How It Works
At Sapling Financial Planning & Wellness, we prioritize our clients’ needs by emphasizing both financial stability and personal wellness. Our approach is structured around a two-step integrated financial planning and coaching process:
Initial Financial Planning Package
Clients begin working with us by choosing a financial planning package that meets their unique goals and circumstances and sets them on the path to long-term personal and financial growth. All packages include comprehensive evaluation of your objectives, principles, and values through at least six in-person (video) consultations prior to finalizing the plan and suggesting any investments and products—this thorough process spans 8 to 12 weeks.
Regular Advisor Consultations
As you navigate your financial journey, having ongoing support can make a real difference. We’re here to provide coaching, hold review meetings, collaborate with other professionals, and update your plan as needed. This continuous guidance helps you adapt to changes and stay aligned with your personal, financial, and wealth management goals. We’re committed to walking alongside you every step of the way.
Initial Financial Planning Packages
Individual Financial Planning
Are you an individual looking to identify and work towards financial goals while improving your relationship with money?
See What’s included:
- Saving strategies for retirement, education, and other financial goals
- Cash flow review and budget planning
- Investment or other financial product review and analysis
- Evaluation of asset allocations and appropriate risk tolerance
- Review of insurance for life, disability, and critical illness
- Optimizing taxes now and in the future
- Individual legacy planning
- Evaluation of up to one investment property and family cottage
and up
From $3500.00
Family Financial Planning
Are you a couple with or without children looking to identify and work towards financial goals while improving communication and your relationship with money?
What’s included?
- Evaluation of Spousal RRSP accounts
- Examination of family income splitting opportunities
- Saving strategies for retirement, education, and other financial goals
- Cash flow review and budget planning
- Investment or other financial product review and analysis
- Evaluation of asset allocations and appropriate risk tolerance
- Review of insurance for life, disability, and critical illness
- Optimizing taxes now and in the future
- Family legacy planning
- Evaluation of up to one investment property and family cottage
and up
From $4000.00
Retirement & Estate Planning
Are you approaching retirement or just looking ahead to make sure your golden years are meaningful, fulfilling, and financially stress-free?
What’s included?
- Cashflow planning for various stages of your retirement as needs change with age
- Integration of OAS & CPP, pension plans, personal savings, and other income streams
- Tax efficient withdrawal planning designed to optimize retirement income and final estate taxes
- Account-specific asset drawdown strategies
- Advice on down-sizing, long-term care, and other key decision-making
- Cash flow review and budget planning
- Investment or other financial product review and analysis
- Evaluation of asset allocations and appropriate risk tolerance
- Evaluation of up to one investment property and family cottage
and up
From $4500.00
Business Financial Planning
+ All benefits offered through the above plans plus:
- Corporate investment planning
- Evaluating a life insurance policy’s viability as a retirement and legacy planning tax strategy
- Building alternative case scenarios to optimize income strategies and business investment opportunities
- Evaluation of rental properties and building three different case scenarios
and up
From $5500.00
Annual Financial Advice Packages
The Bronze Package
- Bi-annual review meetings
- An annual consultation with your independent portfolio manager or a thorough yearly review of your self-directed investment accounts
- Annual review and goal progress updates
- Simple plan changes and updates
Please note: Any extra work will be billed at $250.00/hour
Starting at
$150.00 per month*
The Silver Package
- Assistance with plan implementation
- Quarterly review meetings
- An annual consultation with your independent portfolio manager and/or a thorough quarterly review of your self-directed investment accounts
- Coordination of your financial plan with a portfolio manager
- On-going collaboration with other professionals
- Major plan updates without requiring a new engagement
- Optional participation in the Help a Client in Need program (see Services for more info)
Please note: Extra financial coaching consultations are available for $189.00/call, and may cover urgent topics like to major life transitions and financial windfalls
Starting at
$250.00 per month*
The Gold Package
- Assistance with plan implementation
- Quarterly review meetings
- Planning for multiple real estate properties and corporations
- An annual consultation with your independent portfolio manager and/or a thorough quarterly review of your self-directed investment accounts
- Coordination of your financial plan with a portfolio manager
- On-going collaboration with other professionals
- Major plan updates without requiring a new engagement
- Optional participation in the Help a Client in Need program (see Services for more info)
Please note: Extra financial coaching consultations are available for $189.00/call, and may cover urgent topics like to major life transitions and financial windfalls
Starting at
$350.00 per month*
* We require a minimum commitment of 12 months because we know that, like your overall well-being, financial planning is a continuous process and its lasting success lies in a quality ongoing relationship.
Seeking assistance with continuous integrated financial planning & investment management?
Let us guide you every step of the way with our fee-based approach!
Expert Partnerships
Benefit from the best minds in the industry. We collaborate with top investment managers to offer customized solutions that align with your unique financial goals.
Comprehensive Wealth Management
Experience holistic wealth care. From integrated financial planning to ongoing advice, we cover most aspects of your financial life.
Personalized Coaching
Receive tailored coaching that adapts to your evolving needs. Our personalized approach ensures you are on track to achieve your financial objectives.
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% |
| $5,000,0001 | Negotiable |
Flexible Fee Structure
Choose from a range of investment strategies with fees starting as low as 0.40% for passive management and varying according to the level of active involvement and alternative investments.
Transparent Cost Breakdown
Understand exactly what you’re paying for with our clear fee structure.
Customized Investment Solutions
Whether you prefer a hands-off approach or active management, we offer tailored strategies to suit your investment goals.
Financial Planning Consultation
Are you looking for support on high-level planning, to address specific questions, or get an in-depth expert analysis on your financial situation and forecast?
This service is available at the discretion of our team on a case-by-case basis. Costs can be applied towards further comprehensive financial planning, and may include:
- Portfolio review: Assess risk tolerance, evaluate current investment strategies and fees, explore alternative investment options in the Canadian market through our vetted market, and consider a DIY investment strategy
- Retirement, CPP and OAS planning: Double check and review calculations and get a second opinion
- Pension options: Navigating the choices surrounding your pension departure can be challenging; allow us to offer you unbiased guidance
- Insurance advice: Ensure your policy meets your current and future needs
- Rental property strategy: Gain insights into making the most of rental investment properties
Rate: Approximately $1,500, dependent on need
Corporate Employee Financial Education and Speaker Bookings
Looking for a unique workshop or speaker that will get your team excited while also improving their financial literacy and long-term financial outlook?
Book a workshop with Lena Keshysheva to help your team understand both the practical and psychological aspects of money management and the importance of integrated financial planning and coaching. Give them the tools to buy their first home, plan for retirement, or take the trip of their dreams.
To get started and explore available packages, please