Been There Financial Planning is an advice only, Ottawa based, financial planning business operated by William Rychliwsky. William has “been there and done that”, from a personal finance perspective. He paid off his mortgage in less than 19 years, survived a lay off notice and several market downturns, paid for his children’s education by using an RESP, maxed out his RRSP, and bought back pensionable service. He is on target to achieve financial independence, and will semi-retire at age 54. He served the public while working for over 31 years in government, including working in economic development and planning. William holds the Qualified Associate Financial Planner designation. He also is a Certified Health Insurance Specialist, and has three university degrees including a degree in economics, and a Master’s degree from Queen’s University. He has provided advice to clients about withdrawing savings in retirement, pension buy-backs, inheritance, and managing financial risks.