Our Comprehensive Plans

We provide a full spectrum of financial planning packages designed to simplify complexity, create confidence, and unlock opportunities for growth. From personalized wealth strategies and investment support, to retirement planning and business-owner solutions, we equip you with the clarity and direction to build lasting financial success.

PRICING

Your path to financial clarity starts here-

Book a call to explore your options

the foundation PLAN

For professionals getting started with building wealth

$1,250 flat fee (+HST)

Full financial health check-up
Personalized budgeting, saving, & investing roadmap
Cash-flow optimization
2x 60-minute strategy sessions + written action plan

Outcome: Walk away with clarity on your numbers and confidence in a step-by-step plan to grow your wealth.

the growth PLAN

For entrepreneurs and professionals scaling their income and investments

$2,500 flat fee (+HST)

Everything in the Foundation Plan
Retirement & tax-efficient investing strategies
Insurance needs analysis
Business planning
Quarterly check-ins to track progress and adjust your plan

Outcome: Build confidence by knowing your money is working as hard as you are, with a clear strategy to maximize growth.

the freedom PLAN

For high-achieving professionals & business owners ready to create long-term abundance

$5,000 flat fee (+HST)

Everything in the Growth Plan
Advanced tax & business planning for corporations
Legacy planning (wealth transfer strategies)
Integrated retirement & investment projections
Strategy calls as needed

Outcome: A long-term financial roadmap that gives you clarity, confidence, and the freedom to design your legacy.

Book a Discovery Call

STILL NOT SURE?

Frequently Asked Questions

We understand how overwhelming money decisions can feel, which is why we simplify the process and give you the tools, strategies, and confidence to move forward with clarity.

Question 1: What happens during the complimentary discovery call?

During this 20-minute call, we’ll get to know you, your goals, and what challenges you’re facing. You’ll also learn about our planning process and which service package is the best fit for you. It’s an open, no-pressure conversation to see if we’re the right match.

Question 2: Do I need to have a certain amount of money to work with you?

Not at all. Many of our clients are just beginning their wealth-building journey. We help you create clarity, make confident financial decisions, and implement the right strategies—whether you’re starting out or already scaling your portfolio.

Question 3: How is fee-for-service financial planning different?

Unlike commission-based advisors, we charge a transparent flat fee for our planning services. This means our recommendations are unbiased and always in your best interest. You’ll know exactly what you’re paying and the value you’ll receive.

Question 4: Will I have ongoing support after my plan is created?

Yes. Depending on the package you choose, you’ll either walk away with a one-time roadmap or ongoing support that includes regular check-ins, plan updates, and strategy adjustments as your life and business evolve.

Question 5: Do you also manage investments?

Yes—we can guide you on setting up and managing low-cost, tax-efficient portfolios. Many of our clients prefer to keep everything integrated, so we provide both the plan and the investment management to simplify and streamline your finances.

Question 6: What if my situation changes after the plan is done?

Life happens—and your plan should adapt with it. Whether you get a new job, start a business, or face an unexpected expense, we can adjust your strategies to keep you on track toward your long-term goals.

Question 7: Can you work with clients across Canada?

Yes! We meet virtually with clients nationwide, so location is never a barrier. If you’re in Ottawa, we’re also happy to arrange in-person meetings by request.

Question 8: What makes De Castro Wealth Services different?

We focus on young professionals and entrepreneurs—people building their wealth while balancing busy careers, businesses, and families. Our process is designed to give you clarity, confidence, and an abundance mindset so you can move from “Is this possible?” to “Let’s make it happen.”

Book a Discovery Call

★ ★ ★ ★ ★

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.

Karthik Suryanarayanan

Project Manager

★ ★ ★ ★ ★

Rianne de Castro has been an incredible advisor to work with! She was patient, thorough, and took the time to make sure I fully understood every element of my plan. She was also incredibly responsive, always getting back to me quickly whenever I had a question. I highly recommend working with her!

Elyse Owen

Certified Pregnancy and Postpartum Athleticism Coach

★ ★ ★ ★ ★

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.

Amanda Feenstra

Educator

★ ★ ★ ★ ★

So far my experience with my wealth advisor Rianne DeCastro, has been excellent. I am new to the process of wealth management. Rianne took the time to clearly explain what it is, what is involved, and what my wealth management options were/are. She has provided very useful guidance on how to best management my money going forward into the future. I would recommend Rianne for those seeking help in wealth management.

Yvon Levesque

Government Administration Professional

★ ★ ★ ★ ★

My husband and I were referred to Rianne and her team from a well trusted friend and we are thankful everyday of this connection. As newlyweds, we needed direction on how to invest our income and plan ahead for our future family. Luckily Rianne was able to help us navigate through with ease. Rianne is polite, respectful, and very down to earth when it comes to questions regarding finances and our future. She truly cares about how we want to live our lifestyle and has provided education to us in many ways. We would strongly recommend them to anyone looking to invest.

Callah Nelson

Registered Nurse

★ ★ ★ ★ ★

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!!

Ali Bell

Hairstylist