Services
Certified Financial Planner Services
At Sapling Financial Planning & Wellness, our services are structured to lay the groundwork for long-term financial and personal wellness, stability, and growth.
We serve individuals, families, and business owners across Canada (excluding the province of Quebec.)
Two Service Models, Same One-on-One Financial Advice
We understand that each client has unique financial planning, advice, and support needs. That’s why we provide two distinct service models: Fee-only and Fee-based.
Fee-Only Model
Our Fee-Only model provides clients with clear and unbiased financial planning and advice, untainted by affiliations with financial institutions or commission incentives. With this model, clients pay a simple, one-time flat fee for an Initial Financial Planning package, along with a consistent monthly fee for ongoing Advisory Consultations. This structure is perfect for DIY investors, real estate investors, business owners, and individuals starting their savings journey who are looking for trustworthy, objective, and transparent advice.
Fee-Based Model
Our Fee-Based model prioritizes transparency and objectivity, ensuring that your financial planning and investment management align with your best interests. On average, the combined fee for these services is approximately 1.5%, which decreases as your assets under our care grow. The fee is deducted directly from your investments, offering a streamlined solution for those looking to simplify cash flow or for seasoned investors seeking ongoing, integrated financial planning and investment management. Our fee-based comprehensive wealth management requires a minimum of $500,000 in assets and covers both the initial financial planning engagement and continuous, tailored advice. We can use a blended approach of fee-only and fee-based models for smaller portfolios.
Our Two Step Approach to Financial Planning
Our two-step process meets you where you are today, and supports you as you move towards your future goals and objectives.
Step #1: Initial Financial Planning
Start by choosing a financial planning package that matches your goals and circumstances, and begin your journey on the path toward long-term personal and financial growth.
Step #2: Ongoing Financial 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.
Financial Advising for Canadian Businesses
Invest in your business’ future with a tailored financial plan designed to optimize taxes and pave the way for lasting growth.
Make the most of corporate investments, rental property evaluations, and income optimization strategies. Evaluate corporate life insurance policy as a legacy and tax planning strategy. Strengthen your business model from the bottom up with a financial plan built to work as hard as you do.
Integrated Wealth Management Services
Keep your financial plan on track with seamless collaboration between us and our trusted investment managers.
Our team collaborates with top-tier portfolio managers to focus on your financial and personal goals. You’ll benefit from complete transparency regarding investment risks, performance, and fees, while we ensure that the managers remain aligned with your interests. This approach helps us eliminate conflicts between investment management and financial planning, giving you access to elite portfolio managers while allowing us to dedicate our full attention to your financial planning needs.
Financial planning fees are deducted from your assets and paid to us as a referral fee within our fee-based approach. You can find the details of our fee schedule on our Pricing page.
To ensure that your hard-earned money is safe and secure, all investment managers we work with, and their respective trustees, are members of the Canadian Investment Regulatory Organization (CIRO) and are members of the Canadian Investor Protection Fund (CIPF).
Our Investment Management Network
Corporate Financial Literacy Seminars and Speaker Bookings
Host a workshop or speaker like no other and give your team or attendees invaluable strategies for their long-term financial stability and well-being.
Our Founder and Financial Planning Director Lena Keshysheva offers unique and exciting workshops and presentations covering topics ranging from budgeting and investing to how our attitudes and beliefs about money shape our spending and savings behaviours.
Bringing her 13 years of expertise to life through engaging presentations, interactive individual and group activities, and round table Q&As, Lena leaves participants with objective, personalized and actionable advice designed for lasting personal and financial health.