About Us
Rami Sayah is a certified financial planner who specializes in strategies to maximize your wealth, and achieve your best financial health.
Rami's journey in finance began in 2006, and over the years, he has worn various hats, from mortgage brokerage to serving as a financial advisor. He has a diverse professional background, having worked both independently and as a Senior Retirement and Investment Advisor at a leading bank for five years.
A Journey of Independence and Expertise.
After years of navigating the financial landscape, Rami came to a pivotal realization: true financial advice must be impartial and unbiased. To offer his clients the honest, best-fit solutions they deserve, He chose to establish his independent practice.
As an independent financial planner, Rami is guided solely by his clients' best interests. His loyalty and bias are dedicated exclusively to securing your financial well-being, rather than any specific company or institution. This dedication allows him to access a wide variety of investment options, insurance products, and annuities, ensuring that your financial strategy is tailored precisely to your unique needs and goals.
While Sageplan Finance operates independently, we work with Global Maxfin Investments Inc (Our mutual fund dealer). to provide access to a wide range of mutual funds and with MSA Financial Inc. to offer personal insurance solutions. We maintain a strict transparency policy and offer various fee structures, including fee-based advice, commissions, assets under management (AUM), or a combination—so you can choose the option that best aligns with your preferences.
Our complete independence means we remain objective and construct financial plans and strategies with your best interest as priority #1. We recommend strategies and solutions, not products.
Our Philosophy.
We're not salespeople. We're trusted financial advisors.
This means, our strategic financial plans are only influenced by your needs.
We develop personalized financial plans based on your unique needs and goals. Whether you're saving for retirement, managing debt, or building wealth, we offer independent strategic advice to help you achieve financial security and peace of mind.
What we do.
We can help with all your financial advice needs, whether your situation is straight-forward or out of the ordinary.
Simply, we work with each client to develop, implement and maintain a relevant and comprehensive financial strategy, assisting clients to grow their wealth, meet lifestyle objectives and protect against risks.
→ We can help you achieve your goals, no matter how big or small they may be
→ We can assist you to become financially secure
→ We can help you make smart decisions with your money
Our Core Values
We have some core values which form the basis for everything we do
Independence and Integrity
Protecting your financial interests from potential conflicts of interest
- Upholding the highest ethical standards in all interactions, transactions, and recommendations. We are committed to honesty, transparency, and accountability in everything we do.
- Providing unbiased and objective advice, free from conflicts of interest. We are proud to be an independent firm, allowing us the freedom to recommend solutions that are solely in the best interests of our clients, without any external influences.
No custody — An independent custodian holds our clients' investments and creates an independent, insurmountable barrier between our firm and our clients' portfolios.
Fee only option — We can charge a fee for managing our clients' portfolios; This would be our only compensation. in such case we do not earn commissions, transaction fees, or other promotional or distribution fees.
No proprietary products — Since we do not create or sell proprietary products, we are free to recommend only those that deliver the best long-term results for our clients.
Integrated and client-centric approach
Managing your financial affairs with a comprehensive approach
Integrated: — Managing your financial affairs with a comprehensive approach that considers all aspects of your financial life. We believe in holistic financial planning that addresses your short-term and long-term goals, ensuring a cohesive strategy that encompasses investments, insurance, retirement planning, estate planning, and more.
Client-centric approach — Placing the needs and interests of our clients above all else. We prioritize building long-term relationships based on trust, understanding, and empathy. And strive to exceed our clients' expectations at every opportunity.
Coordinating with your other professionals — Accountants, Estate Attorneys, Tax Professionals, Insurance Agents and other professionals necessary to coordinate the best service and advice for our clients.
Multi-discipline — Our services extend beyond investment advisory services to include income tax and philanthropic planning and estate work.
Expertise-Empowerment-Excellence
Experience Empowerment and Excellence: Your Path to Financial Success
Expertise — Demonstrating extensive knowledge, skill, and experience in the field of finance. We continuously seek to expand our expertise through ongoing education, training, and professional development to better serve our clients.
Empowerment — Empowering our clients to take control of their financial futures and make informed decisions with confidence. We educate, guide, and support our clients every step of the way, equipping them with the knowledge and tools they need to achieve their financial goals.
Excellence — Striving for excellence in everything we do, from the quality of our advice and service to the outcomes we help our clients achieve. We are committed to continuous improvement and excellence in all aspects of our practice.
