Holistic financial planning for your goals

Fee-for-service financial planning from Ottawa, serving clients across Canada.
Thoughtful, personalized guidance that brings clarity to your goals, confidence to your decisions, and long-term intention to the wealth you’re building.

Holistic financial planning for your goals

Fee-for-service financial planning from Ottawa, serving clients across Canada.
Thoughtful, personalized guidance that brings clarity to your goals, confidence to your decisions, and long-term intention to the wealth you’re building.

Our Approach

At De Castro Wealth Services, every plan begins with understanding your goals, values, and the life you want to build. Founder Rianne de Castro, CFP®, combines over five years of professional experience with her own wealth-building journey—to create personalized financial strategies that are clear, confident, and built to last.

She founded her practice to provide proactive, personalized guidance that helps clients confidently navigate every stage of their financial journey. Rianne is responsive, reliable, and dedicated to helping clients stay accountable, serving as a trusted resource as their lives and goals evolve. For her, the client relationship is just as important as the numbers, and she brings both expertise and heart to every financial plan.

Our Offerings

Tailored solutions for every stage of your financial journey.

the foundation plan

For young professionals, new families, and anyone ready to build a strong financial base.
The Foundation Plan gives you the clarity, structure, and guidance to feel confident about your next steps. Here’s what’s included:

Financial Snapshot: A full review of your accounts, investments, cash flow, and savings—so you understand how everything fits together.

Investment Foundation: Designing a diversified strategy tailored to your situation that reduces reliance on timing and constant monitoring.

Risk & Behavior Alignment: A plan tailored to your lifestyle and decision-making style, helping reduce emotional reactions to market changes.

Actionable Roadmap: Clear, step-by-step guidance so you know exactly what to do and why.

Outcome: A clear, organized financial roadmap that supports your life today while setting you up for long-term success.

the Momentum plan

For mid-career professionals, entrepreneurs, and growing families ready to elevate their financial strategy.
The Momentum Plan gives you a deeper, more connected approach to your finances, helping you align day-to-day decisions with long-term goals. Here’s what’s included:

Financial Snapshot: A comprehensive review of your accounts, assets, cash flow, and savings—so you understand how everything works together.

Goal-Based Planning: Personalized mapping of short-, medium-, and long-term goals, ensuring your plan supports the outcomes that matter most to you.

Cash Flow & Strategy Alignment: Guidance on how money moves efficiently, helping you invest, save, and spend in a way that supports both your lifestyle and your future.

Long-Term Wealth Strategy: Planning for major life milestones, lifestyle flexibility, and financial independence, with a strategy designed to evolve as your circumstances change.

Outcome: A strategic, forward-looking plan that strengthens your financial confidence today and accelerates your progress toward long-term success.

the legacy plan

For established professionals, business owners, and families focused on wealth preservation and long-term impact.
The Legacy Plan gives you advanced financial guidance, helping protect your wealth, optimize retirement, and create a lasting impact. Here’s what’s included:

Financial Snapshot: A thorough review of your assets, accounts, cash flow, and liabilities—so you have a complete picture of your current financial landscape.

Retirement & Income Planning: Tailored strategies to ensure your retirement is secure, sustainable, and aligned with your lifestyle goals.

Wealth Transfer & Estate Planning: Guidance on tax-efficient strategies, trusts, and legacy planning to support the people and causes you care about most.

Risk & Protection Planning: A framework to safeguard your wealth, including insurance, contingency planning, and strategies to mitigate potential financial risks.

Outcome: A cohesive, long-term blueprint that preserves your wealth, supports your lifestyle, and leaves the legacy you intend.

The Process

STEP 1: Discover

Start by completing our short intake form on our 'Contact Us' Page. This gives us a clear view of your current financial situation, goals, and priorities. Once submitted, we’ll schedule your discovery call — a chance to review your intake together, answer any questions, and explore how our planning approach can support your unique needs. This step ensures our conversation is focused, productive, and tailored to you.

STEP 2: Assess

After gathering your financial statements, account details, and other relevant information, we meet to see the full picture of your finances. Here, we identify gaps, opportunities, and alignment with your lifestyle and long-term goals. This step ensures your strategy is personalized, realistic, and ready to support the life you want to live.

STEP 3: Strategize

Finally, we present a clear, actionable plan based on what we’ve learned. You’ll receive recommendations for investments, cash flow management, and wealth strategies, followed by guidance on implementing them. This step turns insight into action, giving you confidence and clarity about every financial decision moving forward.

What Our Clients Say About Us

Karthik Suryanarayanan

Project Manager

My wife and I had an excellent experience and highly recommend their services. Initially, I was a bit skeptical due to my limited knowledge but after each meeting, I grew more confident in their approach and expertise. From start to finish, Rianne was exemplary in every way. The communication was top-notch—they were incredibly responsive and made sure to explain their comprehensive process clearly. It’s rare to find a team that truly listens and guides you with such care and attention to detail. I’m confident in their services and look forward to continuing our partnership.

Ali Bell

Hairstylist

My wife and I are blown away with their expertise, professionalism, and performance. Rianne took so much time and care to get to know us, our lifestyle and our retirement dreams. She has educated us and simplified things and had amazing ideas for us to reach our goals earlier! She’s always made her self available to us and has cultivated a great relationship with us! We have so much trust in her and couldn’t be happier we left the bank for our investing needs! Thank you Rianne!!

Amanda Feenstra

Teacher

I have been a client since 2021 and the quality of service they provide is outstanding! Rianne is extremely professional, knowledgeable, superb communication and flexible to work around your schedule. Rianne is always quick to answer any questions I have whether it be through email or text at anytime of day! I love how flexible she is especially with having two little ones it’s not always easy to sit down over zoom. I can just send her a quick message and know confidently that she will handle it, start the paperwork and get it done in a timely manner. One of the things I love is that they genuinely have your best interest above anything else. If you’re looking for a new financial planner or would like to get started I highly recommend Rianne.

Frequently Asked Questions

Answers to common questions about DCW and our services.

What makes De Castro Wealth Services different from other financial advisors?

Unlike advisors who focus mainly on investment guidance, we take a holistic, planning-first approach. Our process is in-depth, proactive, and dynamic, combining cash flow, goal mapping, risk management, tax strategies, and long-term vision. The result? A personalized financial plan that evolves with your life, giving you clarity, confidence, and control—beyond just your portfolio.

Who are your services designed for?

We work best with professionals, entrepreneurs, and families who want clarity, confidence, and a proactive plan for their financial future. If you’re looking for more than just investment advice—someone who will help you organize, optimize, and evolve your finances as your life changes—our planning-focused approach is designed for you.

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