Pricing

Financial Planning & Wellness Pricing and Packages

How It Works

At Sapling Financial Planning, we approach our clients’ needs with a focus on both financial stability and personal wellness. This is built into a two-step process

Initial Financial Planning Packages

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.

Annual Financial Advice Packages

On-going support in the form of review meetings, collaboration with other financial professionals, and plan updates ensures clients continue to reach their personal and financial goals.

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?

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 or family cottage

and up

From $2500.00

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 or family cottage

and up

From $3000.00

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 or family cottage

and up

From $3500.00

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 $4500.00

Annual Financial Advice Packages

The Bronze Package

Bi-annual review meetings

Administration of investment accounts including transfers, retirement payments, contributions and withdrawals

Annual review meeting with your portfolio manager

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

Quarterly review meetings

Administration of investment accounts including transfers, retirement payments, contributions and withdrawals

On-going collaboration with other professionals portfolio managers, accountants, lawyers, and counsellors

Financial wellness support including identifying and working through behavioural obstacles

Major plan updates without requiring a new engagement

Extra accountability calls outside of the regular financial planning scope are available for $189/call (may be required during major life transitions and financial windfalls)

Optional participation in the Help a Client in Need program (more below)

Starting at

$250.00 per month*

The Gold Package

Planning for multiple real estate properties and corporations

Administration of investment accounts including transfers, retirement payments, contributions and withdrawals

Quarterly review meetings

On-going collaboration with other professionals portfolio managers, accountants, lawyers, and counsellors

Financial wellness support including identifying and working through behavioural obstacles and money disorders

Major plan updates without requiring a new engagement

Extra accountability calls outside of the regular financial planning scope are available for $189/call (may be required during major life transitions and financial windfalls)

Optional participation in the Help a Client in Need program (more below)

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.

Additional Services

Corporate Employee Financial Education and Speaker Bookings

Our Founder and Financial Planning Director, Lena Keshysheva, offers workshops and speaker bookings to companies looking to support their teams’ overall financial wellness and literacy.

She brings her 13 years of expert insights in objective financial management, investment and retirement planning, and insurance to life through engaging presentations, group activities, and round table Q&As designed to deliver objective advice and support lasting financial health.

Questions

What is Sapling Financial Planning’s Help a Client in Need Program?

The Help a Client in Need serves individuals and families that will greatly benefit from Sapling Financial Planning’s financial stability and personal wellness support, but are not able to afford our services.

It may seem like an impossible situation — but it’s not. That’s all thanks to the support of our generous community of clients who choose to donate part of their financial planning fee to those who need it the most. Usually, just 3 to 4 clients, along with our volunteer time, can make an impactful change in someone else’s life.