Truly Independent, Fully Focused on You
We are one of the few who can call themselves truly independent. We provide strategic financial advice where your needs and goals are the only factors that influence our decisions.
Today’s Financial Concerns
From rising costs to unpredictable markets, today’s financial landscape can feel overwhelming.
At Sageplan, we help you cut through the noise with clear strategies, practical advice, and personalized support, so you can move forward with confidence.
Education
How am I going to pay for my child’s education?
We help you plan ahead with smart strategies like RESPs, tax-efficient savings, and clear timelines, so your child’s future stays bright, and your finances stay on track.
Taxes
How do I manage taxes year-round to keep more of what I earn?
We take a proactive approach, from deductions to income planning, helping you minimize tax surprises and maximize what you keep, all year long.
Investments
How can I increase my income from investments?
We help you grow smarter, not just bigger, with personalized, tax-efficient strategies tailored to your goals, risk comfort, and long-term vision.
Estate
How am I going to successfully plan for the next generation?
We guide you through personalized estate and legacy planning, helping you protect your assets, minimize taxes, and pass on your values with clarity and care.
Business
How should I allocate my portfolio in a way that balances risk?
We align your business and personal finances with smart, diversified strategies, helping you manage risk, seize opportunities, and build lasting value.
Retirement
Do we have enough assets and resources to retire?
We create clear, personalized retirement roadmaps, so you can move forward with confidence, knowing your future is secure and your lifestyle is protected.
Insurance
How much life insurance do we need to be protected?
We help you determine the right coverage, no upselling, no confusion, just clear, expert guidance to protect what matters most.
Risk Management
How do I protect my income, family, and business from unexpected risks?
We help you identify the right safeguards, from disability coverage to business protection, with clear, unbiased advice that’s built around your real-life needs.
Wealth Management
How can I grow and protect my wealth with confidence?
We help you build a personalized, tax-smart strategy that aligns your investments, goals, and lifestyle, with guidance that puts your best interest first.
Education
How am I going to pay for my child’s education?
We help you plan ahead with smart strategies like RESPs, tax-efficient savings, and clear timelines, so your child’s future stays bright, and your finances stay on track.
Taxes
How do I manage taxes year-round to keep more of what I earn?
We take a proactive approach, from deductions to income planning, helping you minimize tax surprises and maximize what you keep, all year long.
Investments
How can I increase my income from investments?
We help you grow smarter, not just bigger, with personalized, tax-efficient strategies tailored to your goals, risk comfort, and long-term vision.
Estate
How am I going to successfully plan for the next generation?
We guide you through personalized estate and legacy planning, helping you protect your assets, minimize taxes, and pass on your values with clarity and care.
Business
How should I allocate my portfolio in a way that balances risk?
We align your business and personal finances with smart, diversified strategies, helping you manage risk, seize opportunities, and build lasting value.
Retirement
Do we have enough assets and resources to retire?
We create clear, personalized retirement roadmaps, so you can move forward with confidence, knowing your future is secure and your lifestyle is protected.
Insurance
How much life insurance do we need to be protected?
We help you determine the right coverage, no upselling, no confusion, just clear, expert guidance to protect what matters most.
Risk Management
How do I protect my income, family, and business from unexpected risks?
We help you identify the right safeguards, from disability coverage to business protection, with clear, unbiased advice that’s built around your real-life needs.
Wealth Management
How can I grow and protect my wealth with confidence?
We help you build a personalized, tax-smart strategy that aligns your investments, goals, and lifestyle, with guidance that puts your best interest first.
About our company
Rami Sayah, F.PL — Founder & Head Planner. Over 18 years of experience delivering client-first, fully independent advice.
Rami’s journey spans from mortgage brokerage to senior roles in investment and retirement planning. He founded Sageplan Finance to provide truly independent guidance, where your goals, not institutional products, shape every recommendation.
Through strategic partnerships with Global Maxfin Investments Inc. (mutual funds) and MSA Financial Inc. (insurance), Sageplan offers broad, trusted access to financial solutions. We provide flexible compensation options, fee-based, commission, AUM, or hybrid, so you stay in control.
We don’t push products. We build real strategies, supporting retirement, tax, estate, insurance, investment, and cash flow planning designed for life in Quebec.
What drives us: your interests are our only priority. No bias. No pressure. Just honest, independent planning that works for your life.
What We Can Do For You
From building wealth to protecting your future, we offer personalized financial strategies designed to simplify decisions, reduce stress, and help you thrive, at every stage of life.
Personal Financial Planning
Essential Bookkeeping
& Tax
Integrated Financial Mastery
A La Carte Financial Services
Master Your Financial Future
Our service-level packages provide the right support for your business at every stage.
Book a FREE Consultation
Let’s have a friendly, no-obligation chat to understand your goals and see how Sageplan can support you.
Trusted by Clients
Our clients aren’t just numbers, they’re entrepreneurs, families, and professionals who’ve gained clarity, confidence, and control over their finances with Sageplan by their side.
We didn’t choose the easiest path,
we chose the right one.
We became fully licensed and certified because independence isn’t just important to us, it’s essential to the way we serve.
