Been There Financial Planning: Your Trusted Fee-Only Financial Advisor in Ottawa

Looking for a reliable Financial Advisor Ottawa? Been There Financial Planning offers independent, fee-only financial planning with no commissions and personalized, transparent advice. Book your free 30-minute consultation today

Navigating Your Financial Future with Confidence: Discover Fee-Only Financial Planning in Ottawa

When it comes to managing your finances, it’s not just about numbers—it’s about trust, experience, and having someone by your side who’s been there. That’s exactly what you’ll find at Been There Financial Planning, a locally rooted and proudly independent fee-only Financial Planner Ottawa.

Led by seasoned financial advisor William Rychliwsky, Been There Financial Planning is dedicated to offering unbiased, product-free financial advice. If you’re looking for a Financial Advisor Ottawa who works for you, not a bank or investment firm, you’ve come to the right place.

Why Choose a Fee-Only Financial Planner?

Unlike many traditional financial advisors, Been There operates on a fee-only basis. This means:

No commissions

No hidden incentives

No product sales

You simply receive honest, expert advice tailored to your goals. This model removes all conflicts of interest and ensures that the recommendations you receive are genuinely in your best interest. To learn more about the fee-only approach and how it benefits you, click here.

Meet William Rychliwsky: Your Financial Ally

William Rychliwsky isn’t just an accredited financial advisor—he’s someone who’s walked the talk. From paying off his mortgage early, to surviving layoffs and market downturns, William has a personal understanding of the financial challenges and triumphs everyday Canadians face. He holds the Qualified Associate Financial Planner Ottawa designation and is a Certified Health Insurance Specialist.

What sets William apart isn’t just his impressive credentials—it’s the fact that he’s been there. With three university degrees including a Master’s from Queen’s University and a deep understanding of Canadian tax, insurance, and investment strategies, William brings a rare combination of academic insight and real-world experience.

Comprehensive Financial Planning Services

Whether you're starting your investment journey, managing a growing family, or planning for retirement, Been There Financial Planning provides customized services that include:

Retirement Planning Ottawa

Looking to retire early or just make sure you’ll have enough when the time comes? Let’s make a roadmap that aligns with your lifestyle goals and desired retirement age. Retirement Planning Ottawa is more effective when it’s handled by someone who’s been through it themselves. Visit us to start your personalized plan.

Cash Flow & Budgeting

Know exactly where your money is going and how to allocate it better. Our strategies help you prioritize saving, investing, and spending—without sacrificing your quality of life.

Investment Advice (Without the Sales Pitch)

Because Been There doesn’t sell any financial products, you’ll get guidance that’s completely unbiased and based only on your goals—not someone else’s commissions.

Pension and Benefits Planning

Wondering about RRSPs, TFSAs, RESPs or pensions? William has successfully managed all of these in his personal life—and he can help you do the same.

To explore more about our planning services, click here.

Who Should Work with Been There Financial Planning?

Our clients include:

Young professionals looking to build wealth responsibly

Families seeking clarity around education savings and mortgage management

Pre-retirees who need a focused strategy for the next chapter

Anyone seeking unbiased advice from a financial planner in Ottawa

If you're tired of being “sold to” and want clear, compassionate guidance from someone who gets it, it's time to discover us.

Transparent Pricing. No Surprises.

One of the hallmarks of Been There Financial Planning is transparency. All fees are clear and straightforward—no commissions, kickbacks, or complex fee structures. You’ll know exactly what you’re paying for, and why. That’s the peace of mind you deserve when choosing a financial advisor in Ottawa.

Get Started with a Free 30-Minute Consultation

Your financial journey is deeply personal, and we respect that. That’s why Been There offers a no-obligation, free 30-minute meeting where you can get to know William, ask questions, and see if our services are a good fit for your needs.

Whether you’re preparing for retirement, navigating a major life change, or simply want to take control of your finances, let’s talk.

📞 Phone: (613) 791-6039

📧 Email: Solutions@BeenThereFinancial.com

🌐 Website: https://www.beentherefinancial.com

Final Thoughts

Choosing a financial advisor is one of the most important decisions you can make. With Been There Financial Planning, you get more than just advice—you get a partner who’s walked your path and genuinely wants to help you succeed.