When it comes to planning your financial future, finding a reliable, independent, and unbiased advisor is crucial. At Been There Financial Planning, we provide comprehensive financial advice to help you achieve your goals with confidence. Whether you are planning for retirement, managing your RRSP, or looking for guidance on investments, we are the financial planner in Ottawa you can trust.
Why Choose Been There Financial Planning?
Unlike traditional advisors who may earn commissions from selling products, Been There Financial Planning is a Fee Only Financial Planner. This means our advice is truly independent and always in your best interest. Our founder, William Rychliwsky, has “been there and done that” in personal finance—paying off his mortgage early, navigating career changes, and maximizing retirement savings. This experience allows him to provide advice that is practical, actionable, and tailored to your situation.
As a client-focused firm, we believe in:
Transparency: You receive a clear invoice showing exactly what you’re paying for.
Low-cost investment strategies: We encourage using low-fee options to grow your wealth efficiently.
Unbiased guidance: No commissions, no conflicts of interest—just honest advice.
Discover us and learn more about our approach to independent financial planning here.
Services Offered by Our Financial Advisors
At Been There Financial Planning, we offer a broad range of services tailored to meet the needs of individuals and families in Ottawa and beyond. Some of our key offerings include:
1. Retirement Planning & RRSP Management
Maximizing your RRSP contributions is a key part of building a secure retirement. Our financial advisors help you understand your options, optimize contributions, and create a strategy to achieve your retirement goals. We also guide clients on withdrawals, pension buy-backs, and managing retirement risks.
2. Personalized Financial Planning
We provide comprehensive financial plans that cover everything from debt management and budgeting to investment strategies and education savings using RESPs. William’s real-world experience allows clients to learn more about practical strategies that work in today’s economy.
3. Investment Guidance
While we do not sell investment products, we provide advice on low-cost investments and help clients make informed decisions. Our focus is always on growing wealth effectively while minimizing fees that can erode returns over time.
4. Risk Management & Insurance Advice
Protecting your assets and planning for unforeseen events is a key part of financial security. As a Certified Health Insurance Specialist, William offers guidance on insurance options that fit your personal needs.
For more detailed information, visit us here.
Find a Financial Planner Near Me
Many clients in Ottawa search for “financial planner near me” because they want trustworthy advice from someone local. At Been There Financial Planning, we provide in-person consultations as well as virtual meetings to suit your schedule. Our team works with individuals, families, and professionals to ensure that your financial decisions are both informed and personalized.
Whether you are just starting to save or planning for retirement, our advisors help you make confident decisions that align with your life goals. Explore more about our approach here.
Why a Fee-Only Financial Planner Matters
Traditional financial advisors often earn commissions from selling investment products, which can create a conflict of interest. A fee-only financial planner, like Been There Financial Planning, is paid solely by clients, meaning:
Advice is unbiased and solely focused on your needs
Costs are transparent, with no hidden fees
Investment strategies are recommended based on effectiveness, not commissions
By choosing a fee-only financial advisor, you ensure your financial plan is designed for your benefit, not someone else’s paycheck. Click here to schedule a free 30-minute consultation.
About William Rychliwsky, Founder & Financial Advisor
William Rychliwsky is the founder of Been There Financial Planning and a trusted financial advisor in Ottawa. His qualifications include:
Qualified Associate Financial Planner (QAFP)
Certified Health Insurance Specialist (CHS)
Three university degrees, including a Master’s from Queen’s University
Over 31 years of government experience in finance, planning, and economic development
William has navigated major life and financial milestones himself, including paying off a mortgage early, surviving layoffs, funding his children’s education via RESP, and maximizing RRSP contributions. He shares this experience with clients to provide practical, actionable advice. Discover us and learn more about William here.
Take the Next Step Toward Financial Confidence
Your financial future deserves clarity, transparency, and expert guidance. At Been There Financial Planning, we help you make informed decisions that lead to confidence and peace of mind.
Schedule your free 30-minute consultation: Click here
Email us: Solutions@BeenThereFinancial.com
Call or text: (613) 791-6039
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