Services
Certified Financial Planner Services
At Sapling Financial Planning, 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 know that each client’s financial planning, advice, and support needs are different. This is why we offer two different service models: fee-only or fee-based.
Fee-Only Financial Planning
Our Fee-Only model provides clients with clear and unbiased financial planning and advice, untainted by affiliations with financial institutions or commission incentives. Under this model, clients pay a straightforward, one-time flat fee for an Initial Financial Planning package, complemented by a consistent monthly fee for ongoing Regular Advisor Consultations. This approach is ideal for DIY investors, real estate investors, business owners, or young families beginning their savings journey who seek reliable, objective, and transparent guidance.
Fee-Based Financial Planning
This model is similar to that of traditional financial institutions, with full transparency and an objective approach. On average, the combined fee for ongoing investment management and financial planning is about 1.5%, and it decreases as your assets increase. This fee is charged directly to your investments.
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
Continue your financial journey with ongoing support through coaching, review meetings, collaboration with other professionals, and plan updates to ensure you continue to reach your personal, financial, and wealth management goals.
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 Sapling Financial Planning and our trusted investment managers.
Our team works with top-tier portfolio managers to prioritize your financial and personal goals. Enjoy full transparency on investment risks, performance and fees, while we ensure managers stay aligned with your interests. This strategy allows us to avoid conflicts between investment management and financial planning, giving you access to elite portfolio managers.
Financial planning fees are deducted from your assets and are paid to us as a referral fee under our fee-based approach.
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.
Sapling Financial Planning’s 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 behaviors.
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.