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 also holds 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 been providing fee-only, advice-only financial planning since 2001 and is one of Canada’s best-known fee-only financial planners. He is currently a personal finance columnist for the Financial Post and MoneySense Magazine.
Jason has a particular interest in working with clients with complex planning issues, including Canadian expats in other countries.
He 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.
Nancy Grouni, CFP – Financial Planner
Nancy had a 20-year career as an investment and insurance advisor with two large wealth management firms, working as a Senior Associate focused on building and presenting client financial plans and investment portfolio reviews.
She has a particular interest in financial planning for seniors and their adult children but works with single people, seniors and families at all planning stages seeking to take control of their financial lives.
Nancy is a Certified Financial Planner (CFP).
Nancy has been interviewed for a variety of publications and financial websites such as the Globe & Mail, Yahoo! Canada Finance, the Financial Post, CreditCards.ca, CreditCards.com and the Financial Pipeline.
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.
Brenda Hiscock, CFP – Financial Planner
Brenda has over 20 years of experience in the financial services industry as a bank branch manager, new advisor trainer, college professor and financial planner. Whether she’s explaining a financial concept to one person or to a room of 100, Brenda’s approach to personal finance is that of education. After all, it’s much easier to follow advice when you understand it.
Brenda has a particular interest in working with clients and their advisors and in financial education for employees but works with people from all walks of life.
She 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.
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 travel.
We Sell No Products Whatsoever
Our sole purpose is unbiased, objective financial, tax and estate planning advice
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.
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.
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.
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.
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.
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.
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.
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:
Jason is smart, experienced and knows his stuff. He’s a great source for personal finance insight.Bruce Sellery
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.
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
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
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
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
Toll Free. 1.855.691.8471
Providing fee-only financial planning to clients in Toronto or worldwide via Skype
Copyright © 2017 |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.