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Been There Financial Planning is an independent, fee-only financial planner based in Ottawa, Ontario. Been There is operated by William Rychliwsky, who is an accredited financial advisor. 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 semi-retire at age 54.