Working with Canadians in Toronto and Vancouver or worldwide via Skype

We Are Fee-Only, Advice-Only Financial Planners

Jason Heath, CFP – Managing Director

Jason graduated with a Bachelor of Economics degree from York University in Toronto. He has also earned the Certified Financial Planner (CFP) designation. In addition, Jason has completed numerous financial, tax and estate planning specialty courses from a variety of organizations.

Jason has authored and been interviewed for articles on a wide variety of topics appearing in publications such as the National Post, MoneySense, the Globe & Mail, the Toronto Star, Private Wealth Canada, Precedent, Advisor’s Edge and Investment Executive. He also appears frequently on CTV News Channel. Jason has been providing fee-only, advice-only financial planning since 2001. Jason is currently a personal finance columnist for the Financial Post and MoneySense Magazine.

Jason has three children and is an active volunteer in their schools and their sporting activities. He previously served on the board of directors as Treasurer for the Block Parent Program of Canada, a national children’s charity.

Connect with Jason on LinkedIn >>

Nancy Grouni, CFP – Financial Planner

Nancy has earned the Certified Financial Planner (CFP) designation. In addition, she has completed numerous financial, investment and insurance courses from a variety of organizations. Nancy has over 20 years of financial industry experience, having spent several years as a Senior Associate within the investment industry with a focus on building and presenting client financial plans and investment portfolio reviews.

Nancy has been interviewed for a variety of publications and financial websites such as Globe & Mail, Yahoo! Canada Finance, the Financial Post, CreditCards.ca, CreditCards.com and the Financial Pipeline. Nancy has held an insurance license and reviewed client insurance needs and implemented life insurance solutions in her previous roles.

Nancy has two children and is an active volunteer in the community. She enjoys travel and entertaining in her spare time. Nancy and her daughter also enjoy a shared passion for figure skating.

Connect with Nancy on LinkedIn >>

Brenda Hiscock, CFP – Financial Planner

Brenda has worked for over 20 years in the financial services industry. In her previous roles, she has been a branch manager at a Bank, a director at an insurance company, a college professor and most recently a financial planner at a boutique financial planning firm catering to high net worth clients. Brenda is a Certified Financial Planner (CFP) and also holds a Registered Health Underwriter (RHU) designation with specialized knowledge in living benefits such as disability, critical Illness and long term care insurance.

Brenda has been interviewed for articles in publications such as the Globe and Mail and Advisor.ca. She has also been a returning guest on a radio show based in Montreal.

Brenda has a son who is a journalist and she enjoys running and yoga. In her spare time, she provides financial planning advice to cancer patients at Wellspring, an organization that offers various support services to cancer patients and their families.

Connect with Brenda on LinkedIn >>

Kim Allard – Executive Assistant

Kim studied towards a Bachelor of Arts degree at York University in Toronto. She has completed numerous tax and financial planning courses. Kim has worked as a branch manager with a Canadian trust company and as an executive assistant with Canada’s oldest fee-only, advice-only financial planning firm.

Kim has two children who both work in the automotive industry. Outside of the office, Kim enjoys golf, cooking and travelling with her husband.

Connect with Kim on LinkedIn >>

We Sell No Products Whatsoever

Our sole purpose is unbiased, objective financial, tax and estate planning advice

Most Popular Services

Financial Consultation – $750 (Phone or Skype only)

A consultation can address general financial concerns, questions or issues without delving into a full-blown financial plan or in-depth analysis. Areas of interest may include financial planning, retirement planning, investments, pensions, debt, budgeting, insurance, taxes or estate planning.

The consultation includes a 1-hour phone or Skype meeting as well as our written recommendations so that you can then take action on your own.

Investment Portfolio Review – $3,000

We prepare an analysis of your investment portfolio with a particular focus on risk tolerance, investment strategies, asset allocation, product selection, tax efficiency, fees, estate implications and performance. We will discuss investment options in the Canadian marketplace, including third party advisers and firms. Since we do not sell investments, our advice is objective. We do not receive referral fees or any other compensation from third parties.

The review includes a 1-2 hour meeting to discuss our findings.

A final version of the review and our written recommendations are provided for your records.

We then provide up to 1 hour of ongoing phone and email support over the remainder of the year to help implement your plan.

Retirement Plan – $3,000

This is a retirement projection that maps out the rest of your financial life, including a comprehensive year-by-year forecast of income source, income level, tax payable, basic expenses, extraordinary expenses, investment growth, debt repayment, pensions, inheritances, home purchase, home downsize, etc. It determines the level of savings required to retire at a specific age and an optimization of your retirement cash flow.

The plan includes recommendations regarding saving and spending strategies as well as a 1-2 hour meeting to review our findings.

A final version of the plan is provided for your records.

We then provide up to 1 hour of ongoing phone and email support over the remainder of the year to help implement your plan.

Comprehensive Financial Plan – $4,500

Meeting One

This is a retirement projection that maps out the rest of your financial life, including a comprehensive year-by-year forecast of income source, income level, tax payable, basic expenses, extraordinary expenses, investment growth, debt repayment, pensions, inheritances, home purchase, home downsize, etc. It determines the level of savings required to retire at a specific age and an optimization of your retirement cash flow.

The plan includes sensitivity analysis regarding spending and rate of return, as well as specific financial planning recommendations related to incomes taxes, estate planning, insurance needs and investment strategies as well as a 1-2 hour meeting to review our findings.

A final version of the plan and written recommendations are provided for your records.

Meeting Two

We will review your investments, tax returns, wills and insurance policies vis-à-vis your retirement plan and deliver our recommendations during a second 1-2 hour meeting.

We provide an analysis of your investment portfolio with a particular focus on investment strategies, asset allocation, product selection, tax efficiency, fees, estate implications and performance. We will discuss current investment options in the Canadian marketplace, including third party advisers and firms. Since we do not sell investments, our advice is objective. We do not receive referral fees or any other compensation from third parties.

Written recommendations are provided for your records.

We then provide up to 2 hours of ongoing phone and email support over the remainder of the year to help implement your plan.

Fee-Only, Advice-Only Financial Planning

Financial planning encompasses the following key areas: cash flow management, investment strategies, tax efficiency, insurance needs and estate planning. We provide all of these services but unlike most financial advisers, we do not sell anything other than our time, so you know that we do not have any conflicts of interest.

Retirement Planning

We can build a retirement plan that is relevant to you regardless of your age or stage. How much do you need to save each year?  How much do you need to retire? How much can you afford to spend in retirement? What is the best way to draw down your assets? We can help answer these questions.

Investment Strategy

We don’t hold any investment licenses, so we’re not going to tell you which stocks to buy and sell. What we can do is help you with your asset allocation, tax efficiency and strategies, performance evaluation and investment fee assessment.

Tax Planning

Tax planning is a very important piece of your overall financial picture and requires special consideration. Our tax services include tax planning and tax preparation.

Insurance Needs

Most people need insurance as a risk management tool. Some people can use it as an investment strategy. Either way, we can help you understand if and how it fits into your financial plan and evaluate what type of coverage you might need in your personal situation.

Estate Planning

Clients who work with us on an ongoing basis will have their wills, powers of attorney, insurance and beneficiary designations reviewed on a regular basis. Estate planning tends to be an interrelated part of an overall financial plan.

Canadian Expats

We provide financial planning for Canadian expatriates who have relocated to other parts of the world. We can advise on issues related to Canadian investments, real estate, income tax and retirement, with a particular focus on those expats who plan to retire back to Canada.

Paraplanning (The Planner's Planner)

In the U.K and Australia, paraplanning is a popular service among financial advisers. Advisers commonly outsource the preparation of financial plans and other services to paraplanners. In Canada, there are few firms providing paraplanning services. We are one of them.

Employee Financial Planning

Many companies have started to add fee-only, advice-only financial planning as a perk for their senior executives. It helps keep top talent focused on corporate business because they know their personal business is well-organized by a professional who is on their side.

True Financial Planning is a Process, Not a Product

After an introductory call to determine if and how we can help, our clients complete a questionnaire and provide a list of supplementary data before we put together a comprehensive financial plan that includes:

Want to know what our typical client looks like?

Find Out Here
Jason is smart, experienced and knows his stuff. He’s a great source for personal finance insight. Bruce Sellery

Author of “Moolala: Why smart people do dumb things with their money (and what you can do about it)” Columnist at Moneysense Magazine

My husband and I have used Jason’s services for many years, starting before he was at Objective Financial Partners. His work is of such high quality that we decided to follow him when he left his last position. Jason covers off our financial planning and tax return preparation for our family. He also provides excellent ongoing advice for other financial questions/projects we have going on outside of our family home and personal taxes. My tax return can sometimes be complicated because I have a business outside of my employment – Jason has never had any issues with this and is able to consistently complete the paperwork maximizing the return for me. I have recommended him to many other people, and we will continue to work with Jason on an ongoing basis. Dvorah R.

Senior Manager

True fee-only planners are rare in Canada but Jason Heath has established himself and his new firm on the vanguard of this growing area. His reputation for dispensing sensible objective guidance has also made him a go-to source for many media. Jonathan Chevreau

Editor, MoneySense Magazine

Thanks for taking me on as a client. This has been an important exercise and has given me great insight into my financial affairs. You’ve been extremely helpful and I hope I can call on you from time to time to help me update my plan as circumstances change. I get the sense you have a thriving practice and hope you don’t mind if I recommend you to some of my friends. Jack Fleischmann

General Manager, Business News Network

Nancy provided us with a very thorough financial plan that helped us immensely so would could get a solid grip on our financial picture both for the present and future. John & Laura

Nancy is diligent, thorough, hard working, conscientious, and highly professional. She is committed to providing the highest level of client-service possible. Michael Curtis

President, Vision Systems Corp.

I am not sure how I would have handled all this without your advice and assistance. I really was naive about the process, timelines and the decisions to be made. To tell you the truth, I find it a bit nerve-wracking. Thank you Jason for your support. Judy S.

We went to Nancy to help with our retirement plan and see if we were on the right track. We found Nancy to be very thorough and she explained everything clearly. We were very happy with the final report. It was clear, concise and put our minds at ease. We would not hesitate to recommend Nancy to anyone looking for straightforward financial advice. Nancy & Gerry

*The MoneySense Approved rating is created for information purposes only and is not intended as financial advice. MoneySense Approved is not responsible for any advice or other communication provided to an investor by any Financial Advisor. Rogers/MoneySense makes no representations or warranties as to the suitability of any particular Financial Advisor and/or investment for a specific investor. Visit MoneySense.ca/approved for the full methodology.

Objective Financial Partners Inc.

8500 Leslie Street, Suite 101
Markham, Ontario
L3T 7M8

Toronto / Vancouver locations

T. 416.691.8471
Toll Free. 1.855.691.8471
F. 1.866.261.8912
info@objectivefinancialpartners.com

Working with Canadians in Toronto and Vancouver or worldwide via Skype

Copyright © 2016 |Objective Financial Partners Inc. | All rights reserved.

We don’t sell investments, so we’re not going to tell you which stocks to buy and sell. However, we can build you a comprehensive and truly objective financial plan.