Been There Financial Planning: Your Trusted Financial Planners in Ottawa for Confident, Independent Advice

 

Been There Financial Planning is an independent, fee-only financial advisor in Ottawa, Ontario. We provide transparent, commission-free advice to help you make smarter financial decisions. Schedule a free 30-minute consultation today.

A Fresh Approach to Financial Guidance in Ottawa

Finding trustworthy financial advice can feel overwhelming, especially when every firm promises the “best” solutions. But at Been There Financial Planning, the difference is immediately clear. As a fee-only financial planner operated by experienced financial advisor William Rychliwsky, the firm provides transparent, client-first guidance without selling products or earning commissions. If you've been searching online for a Financial Advisor near me who genuinely puts your needs first, you’ve just found a place that stands out.

Located in the heart of the capital, Been There Financial Planning has quickly become a preferred choice among individuals and families seeking reliable Financial Planners in Ottawa. The firm provides tailored advice shaped by real-world financial experience, academic knowledge, and decades of practical decision-making.

The Story Behind Been There Financial Planning

What truly sets Been There apart is William’s lived experience—he has literally “been there and done that.” His personal financial achievements include:

Paying off his mortgage in under 19 years

Navigating market downturns with resilience

Surviving a layoff and adapting strategically

Funding his children’s education using an RESP

Maximizing RRSP contributions

Buying back pensionable service

Tracking toward semi-retirement at age 54

These are not just financial theories—they’re real-life milestones that mirror many challenges clients face. William brings over 31 years in government service, including roles in economic development, finance, and planning. With designations such as Qualified Associate Financial Planner (QAFP) and Certified Health Insurance Specialist (CHS)—along with degrees in economics and a Master’s from Queen’s University—his expertise is both practical and academically grounded.

To learn more about his credentials and philosophy, you can click here, visit us, or explore more on the official Website: https://www.beentherefinancial.com/.

Why Choose a Fee-Only Financial Planner?

In a financial industry filled with hidden fees, commissioned sales, and product-driven recommendations, a fee-only financial planner is refreshingly different. At Been There Financial Planning:

No commissions are earned.

No products are sold.

Advice is unbiased and tailored to your needs.

Pricing is transparent and upfront.

That means every recommendation is based purely on what benefits you, not what makes someone else money. If you’ve been searching for a Financial Advisor in Ottawa who is genuinely independent, you can learn more by scheduling a free consultation.

Helping You Navigate Every Stage of Your Financial Journey

Whether you’re beginning your financial planning journey or approaching retirement, Been There Financial Planning offers personalized strategies that empower you to make confident decisions.

Retirement Planning & Withdrawal Strategies

Make the most of your RRSP, TFSA, pension, and other assets with clear guidance that helps your money last.

Pension Buybacks & Government Benefits

With William’s background in government finance, clients receive rare expertise in evaluating pension-adjustment options, service buybacks, and retirement timing.

RESP Guidance – Don’t Miss the RESP Deadline

Many parents are unaware of the annual RESP deadline or how to maximize grants such as the CESG. Since William funded his own children’s education through an RESP, he provides practical advice grounded in experience.

Investment Strategy Advice

While Been There Financial Planning does not sell investment products, you will receive education and guidance on how to structure portfolios, manage risk, and make informed choices.

Financial Risk Management

Protecting your financial future is just as important as growing your wealth. William helps clients understand insurance, income protection, and long-term planning.

Client-First Values You Can Rely On

Been There Financial Planning operates on three core principles:

1. Transparency

Clear pricing, clear explanations, and clear recommendations.

2. Independence

No products. No commissions. No conflicts of interest.

3. Empowerment

The mission is simple: Help clients feel safer, more confident, and more in control of their financial future.

If you’d like to discover how Been There can support your goals, just visit us or click here to book your free 30-minute meeting.

A Better Financial Future Starts with One Conversation

Many Canadians delay planning because they fear judgment, don’t know where to start, or believe they don’t have “enough money” to speak to an advisor. At Been There Financial Planning, you are met with empathy—not sales pressure. William’s personal journey reflects the realities many individuals face, from raising a family to navigating uncertainties.

Your financial questions deserve honest answers from someone who has lived through similar decisions and understands what it means to build stability from the ground up.

Get in Touch Today

If you’re ready to take the next step toward financial clarity, reach out today.

Email: Solutions@BeenThereFinancial.com

Phone/Text: (613) 791-6039

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