Fee-Only / Advice-Only Financial Planners, Tax Accountants, Divorce Financial Specialists, and Estate Advisors
Providing unbiased and objective advice to clients worldwide since 2012
Tailored pre-paid advice in one session.
A no-obligation call to explore how we can help.
Fee-Only / Advice-Only Financial Planners, Tax Accountants, Divorce Financial Specialists, and Estate Advisors
Providing unbiased and objective advice to clients worldwide since 2012
Fee-Only / Advice-Only Financial Planners, Tax Accountants, Divorce Financial Specialists, and Estate Advisors
Providing unbiased and objective advice to clients worldwide since 2012
Fee-Only / Advice-Only Financial Planners, Tax Accountants, Divorce Financial Specialists, and Estate Advisors
Providing unbiased and objective advice to clients worldwide since 2012
Our Mission
Our mission is providing unbiased, objective advice from our team of Fee-Only Financial Planners, Tax Accountants, Divorce Financial Specialists, and Estate Advisors.
Our Clients
We work remotely with clients across Canada and worldwide, with some planners offering optional in-person meetings in Toronto, Montreal, Vancouver, London, and Lethbridge.
Our clients include professionals, business owners, retirees, expats living abroad, and Canadians with cross border (Canada–U.S.) needs seeking clarity and confidence to manage their finances efficiently.
We support life events such as estate planning and settlement, and divorce and separation planning. Many of our financial planning clients choose ongoing support, working with us annually so their planning stays proactive as life changes.
We also provide full-service accounting, including personal, corporate, estate, and trust tax returns, as well as full cycle bookkeeping and payroll, so you can focus on your family, business, and financial goals.
bonnie kelly
16:50 12 May 26
As a follow-up to discussions with our financial portfolio manager at Leith Wheeler, we were referred to Objective Financial Partners Incorporated to meet with Nancy Grouni and discuss our various retirement income streams and the best strategy to decumulate our RRSPs over the coming years while minimizing tax implications.
As two professionals with significant RRSP holdings, we collaborated with Nancy in the fall of 2025 to develop a detailed financial plan that mapped out our anticipated income streams for the years ahead. We greatly appreciated the thoroughness of the plan she provided, along with her clear guidance and ongoing support as we transition into retirement and begin setting up these income streams.
Nancy has been wonderful to work with - knowledgeable, responsive, and highly professional. We look forward to continuing to work with her over the next several years as we manage our retirement income strategy and minimize unnecessary tax exposure.
As two professionals with significant RRSP holdings, we collaborated with Nancy in the fall of 2025 to develop a detailed financial plan that mapped out our anticipated income streams for the years ahead. We greatly appreciated the thoroughness of the plan she provided, along with her clear guidance and ongoing support as we transition into retirement and begin setting up these income streams.
Nancy has been wonderful to work with - knowledgeable, responsive, and highly professional. We look forward to continuing to work with her over the next several years as we manage our retirement income strategy and minimize unnecessary tax exposure.
Volodymyr Yarmolyuk
15:47 07 May 26
Had an excellent Pay-As-You-Go consultation with Andrew Dobson. Highly recommend.
Our situation was a bit unusual: I had spent considerable time researching my own portfolio strategy - built around Ray Dalio's All Weather philosophy and refined with help from AI - and my spouse and I needed an independent professional to validate the approach before migrating our TFSA. We weren't looking for full-scope planning, just a qualified second opinion on a plan we'd already developed.
Andrew was upfront from the first email about what he could realistically deliver in the time available, and when I clarified that our goal was validation rather than discovery, he pointed me to the Pay-As-You-Go option - which turned out to be exactly the right fit. He reviewed the materials I sent in advance, came to the session well-prepared, and gave us thoughtful, honest feedback on the target allocation, the migration path, and the backtest I'd run. No product pitches, no upselling - just clear professional advice.
The most valuable outcome was that my wife came away with confidence in the plan. As a non-specialist who built a strategy with the help of AI, having an independent CFP confirm that the structure was sound and the migration mechanics were correct made all the difference for us.
Thank you, Andrew - excellent service, exactly what we needed.
Our situation was a bit unusual: I had spent considerable time researching my own portfolio strategy - built around Ray Dalio's All Weather philosophy and refined with help from AI - and my spouse and I needed an independent professional to validate the approach before migrating our TFSA. We weren't looking for full-scope planning, just a qualified second opinion on a plan we'd already developed.
Andrew was upfront from the first email about what he could realistically deliver in the time available, and when I clarified that our goal was validation rather than discovery, he pointed me to the Pay-As-You-Go option - which turned out to be exactly the right fit. He reviewed the materials I sent in advance, came to the session well-prepared, and gave us thoughtful, honest feedback on the target allocation, the migration path, and the backtest I'd run. No product pitches, no upselling - just clear professional advice.
The most valuable outcome was that my wife came away with confidence in the plan. As a non-specialist who built a strategy with the help of AI, having an independent CFP confirm that the structure was sound and the migration mechanics were correct made all the difference for us.
Thank you, Andrew - excellent service, exactly what we needed.
Diana Beaton
19:31 01 May 26
I can’t say enough good things about my experiences with Objective Financial Partners. Most recently I’ve been working with Ryan, who was able to address my retirement and tax planning concerns. Ryan was professional, responsive, available, and practical. He addressed all my concerns and where I wavered, modelled the impacts of one decision over another. I have every confidence that the financial plan Ryan developed reflects my needs for the future. I had many questions as I approached this phase of my retirement, but the financial path is clear now and I know I am not walking it alone; I have a partner to lean on. Thanks, Ryan.
Bill Neeson
18:21 11 Mar 26
Our experience with Objective Financial Planners and Hannah McVean was exceptional. Hannah is impressive and truly a pleasure to work with. Throughout the process of building a financial plan for our retirement, she was highly focused on our needs and expectations and a great communicator, answering our questions along the way and always ensuring that both of us, with varying degrees of financial knowledge, understood all the aspects that might affect our decisions. It was clear from the outset that we were benefiting from Hanna's in depth expertise to make sure that we would optimize the use of our financial resources throughout retirement and for our estate. I was particular impressed with Hannah's attention to detail, thoroughness in discussing options and explaining the research or data that supports those options. The entire process exceeded our expectations. Thank you Hannah!
Chris Wayatt
14:45 02 Mar 26
Anna’s patience, confidence, skill and empathy was exactly what we needed. Her guidance was excellent value and turned out to be a wise investment for our family.
Marc Chamberland
14:37 28 Feb 26
Anna provided advice-only financial planning services for my wife and me, focused on retirement and long-term investment strategy. From the outset, she took the time to understand our goals, risk tolerance, cross-border considerations, and overall financial situation. She listened carefully and tailored her recommendations specifically to our needs rather than offering generic guidance.
Her analysis was thorough and well-structured. The final report was detailed, clear, and easy to follow, with actionable recommendations that we could implement ourselves. We especially appreciated that she operates on an advice-only model and does not sell financial products, which made the process feel objective and aligned with our interests.
Overall, Anna delivered excellent value. We left the engagement with greater clarity, confidence, and a concrete plan for moving forward. I would not hesitate to recommend her to anyone seeking thoughtful, unbiased financial planning.
Her analysis was thorough and well-structured. The final report was detailed, clear, and easy to follow, with actionable recommendations that we could implement ourselves. We especially appreciated that she operates on an advice-only model and does not sell financial products, which made the process feel objective and aligned with our interests.
Overall, Anna delivered excellent value. We left the engagement with greater clarity, confidence, and a concrete plan for moving forward. I would not hesitate to recommend her to anyone seeking thoughtful, unbiased financial planning.
Todd Kelly
02:13 20 Jan 26
I cannot recommend Hannah more enthusiastically! What struck me most was the incredible depth of knowledge that she brought to the exercise of creating my family's financial plan. Her process was complete, detailed and focused on our goals. She created strong optionality and throughout everything brought a level of expertise that deeply impressed. Creative and client focused Hannah delivered an experience that was positive and effective in delivering a great plan. She also added tremendous value in providing a second opinion on our approach to investing. She brought a great deal of research to bear to inform her suggestions for how we could improve returns while managing risk more effectively. A pleasure to deal with, she delivered confidence in every interaction. If you are looking for a financial wizard to help plan your retirement, you need look no further than Hannah McVean. Hiring her was truly one of my best financial decisions!
Monica Muller
21:04 05 Jan 26
We worked with Anna Golan-Reznick at Objective Financial Partners to come up with an number of scenarios for retirement. Anna was great to work with! She met with us over several sessions and took the time to explain in detail and answer all our questions, giving us a very good idea of where we stood and what we could afford. Highly recommend Anna and Objective Financial! So worth the money.
My Fantahun
20:37 05 Jan 26
Dinaol Gizaw
12:55 03 Jan 26
Michael Bortolussi
19:22 02 Jan 26
In 2025, we needed help answering an important question - when could we retire? We arranged to meet with Nancy Grouni for a retirement planning consultation. Nancy provided the advice and insight we needed to make this important life decision with confidence. We were very impressed with the Financial Planning Report Nancy prepared. The document is easy to understand with clear recommendations and summary information, combined with helpful and actionable details. The information is well organized, with net worth projections for each year of our life, and a decumulation plan that incorporates smart tax optimization strategies. Nancy is respectful, knowledgeable, and wonderful to work with. We were particularly impressed and appreciative with how Nancy went above and beyond, modelling different retirement scenarios based on our unique situation. If you need retirement planning advice, we highly recommend you book an appointment with Nancy! This was our first experience with a fee-only financial planner, and we look forward to continuing to work with Nancy and her team at Objective Financial Partners!
Minister Waka
21:00 20 Dec 25
Tame Teklemariam
21:07 07 Dec 25
Mikael Heroux
16:44 04 Dec 25
Brenda did a presentation about living abroad for retirement at Retirement Loop and it was very well received by our members. She is very knowledgeable and brought several golden nuggets on the steps to take to live abroad.
Response from the owner 21:24 04 Dec 25
Thank you so much, Mikael!We’re delighted Brenda’s presentation was a hit and that those golden nuggets were helpful. Thanks again for having Brenda and for taking the time to share this review! 
Véronique St-Pierre
17:45 02 Dec 25
We welcomed Brenda Hiscock as a guest for our Retirement Loop community. The goal was to get general guidelines to move abroad at retirement and she delivered a real masterclass. Brenda is knowledgeable, professionnal and kind. Highly recommend working with her.
Response from the owner 19:54 02 Dec 25
Thank you for this lovely review, Véronique!We’re so happy to hear that Brenda delivered a true masterclass for the Retirement Loop community. Her knowledge, professionalism, and kindness are second to none!
Karla Kusmer
03:18 26 Nov 25
Anna and Objective Financial provided a detailed, comprehensive, and knowledgeable plan concerning a cross-border move. Anna made sure to address all of my needs, answered all of my concerns and checked additional information when needed. She was a pleasure to talk to and work with.
Response from the owner 15:34 26 Nov 25
Thank you for sharing your experience, Karla! We’re so glad Anna was able to provide a comprehensive and knowledgeable plan for your cross-border move and address all of your questions and concerns. It was a pleasure for her to work with you, and we wish you all the best in this next chapter!
G L
00:36 22 Nov 25
I really enjoyed working with Anna on my cross-board retirement planning. She provided me a very thorough assessment of my financial situation, stock portfolio and helped chart my retirement plans minimizing my tax liabilties. She was flexible in working through the process. I'd highly recommend Anna and Objective to anyone with cross-border financial concerns.
Response from the owner 15:38 22 Nov 25
Thank you so much for sharing your experience, G L! We’re thrilled to hear that working with Anna has been helpful for your cross-border retirement planning. We truly appreciate your recommendation and are glad the process felt flexible and tailored to your needs. If you ever have additional questions or need further support, we’re always here to help.Thank you again for trusting Objective Financial Partners!
Gilles Chabot
14:03 24 Sep 25
We have been working with Nancy Grouni at Objective Financial Partners for a number of years now and it has been the best decision my wife and i have ever made as it pertains to our financial planning. Nancy has always been the most professional, knowledgeable, organised individual and a sincere pleasure to work with. The quality of the planning provided to us in preparation for our retirement and, since retiring, is second to none. The plan and its updates are always presented in an unbiased way and in extensive detail . Nancy and her team also work very closely with our investment advisor ensuring our financial success.
We highly recommend Nancy and her team and are so happy we decided to put our trust in her!
We highly recommend Nancy and her team and are so happy we decided to put our trust in her!
Response from the owner 18:27 24 Sep 25
Thank you for your thoughtful review, Gilles. We are glad to hear that Nancy and the team have been able to provide clear, detailed, and unbiased financial planning that supports your retirement goals. We appreciate the trust you and your wife have placed in us and look forward to continuing to work with you.
Sharon H
02:55 20 Sep 25
We have been clients of Objective Financial Partners for several years now and we can highly recommend their services. Our advisor, Nancy Grouni, is knowledgeable, professional and very personable. We actually look forward to our meetings with her and we always receive top notch service. Our only regret is that we didn’t switch from our sub par bank representative sooner!
Response from the owner 18:49 24 Sep 25
Thank you so much for your kind words, Sharon, and for taking the time to share your experience! We're pleased to hear that you've been happy with the service you've received over the years, and especially with Nancy's guidance. She's a valued member of our team, and it’s wonderful to know that her professionalism, expertise, and personable approach have made such a positive impact. We're glad you made the switch and truly appreciate your continued trust in our team.
A C
03:05 02 Sep 25
Used Objective Financial Partners to file my tax return after returning to Canada from abroad. Found Scott to be a fantastic resource throughout the entire process. He was on hand to answer any/all questions and his patience and service was fantastic. Highly recommend the company, as well as Scott and his team!
Response from the owner 20:23 03 Sep 25
Thank you for sharing your experience, A C! We’re so glad to hear that Scott was able to make the process smooth and supportive as you navigated your return to Canada. We truly appreciate your recommendation and will be sure to pass along your kind words to Scott and the team.
Faisal Dosani
21:13 28 Aug 25
My wife and I worked with Hannah to create a comprehensive financial plan to ensure we were on track for our retirement goals. Hannah came highly recommended, and she did not disappoint. She was incredibly thorough, professional, and knowledgeable about taxes, government programs, and complex financial strategies.
Modeling a financial plan many years into the future is complicated, so it was invaluable to have an expert with her specific skill set. From our initial discovery call, she was inquisitive, thoughtful, and personable, taking the time to understand our unique situation.
Within a few weeks, she delivered a detailed and tailored plan with various scenarios and clear, actionable recommendations. We now feel confident and equipped to implement the plan and follow through on our goals. Hannah is a talented and amazing planner, and we would highly recommend her expertise to anyone seeking financial clarity.
Modeling a financial plan many years into the future is complicated, so it was invaluable to have an expert with her specific skill set. From our initial discovery call, she was inquisitive, thoughtful, and personable, taking the time to understand our unique situation.
Within a few weeks, she delivered a detailed and tailored plan with various scenarios and clear, actionable recommendations. We now feel confident and equipped to implement the plan and follow through on our goals. Hannah is a talented and amazing planner, and we would highly recommend her expertise to anyone seeking financial clarity.
Response from the owner 20:15 03 Sep 25
Hi Faisal,Thank you so much for taking the time to share such thoughtful feedback. We’re happy to hear that Hannah’s expertise and approach made the planning process valuable for you and your wife. Retirement planning can feel complex, so it’s wonderful to know you now feel confident and equipped with a clear path forward.We truly appreciate your recommendation, and we’ll be sure to share your kind words with Hannah.
Ross L.B. Laugher
22:15 13 Aug 25
I have been working with Thuy to help me achieve my retirement goals. I was not sure what to expect from an advice only planner, but I am so very happy with the service thus far.
I received a very comprehensive plan (I am DIY so I have continued access to my plan which allows me to stress test it by creating various scenarios), as well as a thorough analysis of our situation. The plan provides details on how, from where and when to create income in retirement. This level of detail and efficiency will more than offset the fees (which are inline with what I was expecting)
The continued communication is great (small questions happily answered via email) and when I did feel I wanted to make a subsequent meeting for more complicated questions, the advice I received has encouraged me to make changes that are already improving my financial outlook.
Thank you so much for the service thus far!
Ross
I received a very comprehensive plan (I am DIY so I have continued access to my plan which allows me to stress test it by creating various scenarios), as well as a thorough analysis of our situation. The plan provides details on how, from where and when to create income in retirement. This level of detail and efficiency will more than offset the fees (which are inline with what I was expecting)
The continued communication is great (small questions happily answered via email) and when I did feel I wanted to make a subsequent meeting for more complicated questions, the advice I received has encouraged me to make changes that are already improving my financial outlook.
Thank you so much for the service thus far!
Ross
Response from the owner 13:50 16 Aug 25
Ross, thank you for the thoughtful 5-star review and for trusting Thuy Lam with your retirement planning. We are glad the comprehensive plan, with DIY scenario testing, a clear income roadmap, and ongoing email support has been useful, and that your follow-up meeting prompted changes already improving your outlook. Thanks again for your trust and for sharing your experience.
Christa Gray
19:05 13 Aug 25
We recently had our financial plan done and couldn’t be happier with the experience. Our advisor, Thuy was absolutely lovely to work with—warm, approachable, and truly listened to our goals. She was extremely knowledgeable, explained everything clearly, and worked efficiently to get our plan in place. We now feel confident and organized about our financial future, and we’re so grateful for her expertise and guidance. Highly recommend!
Response from the owner 13:57 16 Aug 25
Thank you for the 5-star review, Christa, and for trusting Thuy Lam with your financial plan. We are thrilled that her warm, approachable style and clear, actionable guidance helped you feel confident and organized about your financial future. We appreciate the recommendation and you taking the time to share your experience.
Reg Krake
04:37 17 Jan 23
After many failed or lacklustre results from years (!) of prior efforts to get a solid, objective financial planner in OUR corner, we were thrilled to find Andrew Dobson through Objective Financial Planners. What set Andrew apart, in addition to OFP's truly objective, client-centred approach, was how he truly LISTENED to us, reflected back what he heard, and then designed scenarios that matched to our goals, including some scenarios we proposed as well. It was an iterative process, and the trust only grew over the course of our engagement. In the end it was the most educational, helpful and outcome-oriented financial and retirement planning analysis, advice and (!!) game plan we'd ever encountered. For the first time, we truly felt *confident* about our retirement goals, plans and (!) options to get there. I would recommend Andrew's services unreservedly.
Christopher Andrews
21:06 03 Jan 23
Working with Brenda at Objective Financial Partners was a fantastic experience. She delivers precisely on the promise of the company name - a very objective financial perspective wrapped up in a collaborative and outcome-driven process.
She asked thorough and rigourous questions in getting an understanding of our goals and was patient in answering our own numerous questions. She gave objective points-of-view, always referring back to data, both recent and historical. This data-driven approach, combined with direct experience and a client-centric manner got us to a great place - a sound plan we have the greatest confidence in.
Our only regret is not engaging Brenda sooner. We highly recommend her.
She asked thorough and rigourous questions in getting an understanding of our goals and was patient in answering our own numerous questions. She gave objective points-of-view, always referring back to data, both recent and historical. This data-driven approach, combined with direct experience and a client-centric manner got us to a great place - a sound plan we have the greatest confidence in.
Our only regret is not engaging Brenda sooner. We highly recommend her.
Raman Nijjar
18:44 22 Sep 22
The financial industry is not easy to navigate, particularly to find good, sound and neutral financial advice. We had heard of Objective Financial Partners several times, and then found Nancy Grouni! From the very first time we reached out to her, and still till this day, she has consistently been extremely knowledgeable, thorough, kind, and compassionate. She put us at ease right away, and we have found comfort in her sound and experienced advice. Thank you Nancy for setting us on a sound financial path. We are grateful for the time you spent with us, and look forward to continuing to work together.
Simon Ang
15:47 15 Aug 22
My wife and I contacted Nancy Grouni when we were deciding on retirement. Nancy created comprehensive plans covering each year, for each us of us individually as well as both together. These helped us not only to retire with confidence but also to feel much better equipped to handle the challenges of this rapidly changing world. Nancy takes a holistic approach which we appreciate. It is a pleasure working with her and we look forward to our meetings. We are happy to recommend Nancy to anyone interested in getting help with financial planning.
Stan Jeram
01:07 10 Aug 22
Nancy Grouni is very professional, knowledgeable, and patient. She takes the time to explain any concept or idea, and ensures that we thoroughly understand before moving on. She is in tune with our personal goals, and offers non-prejudice, tailored financial advice that meets our specific needs. She also provides follow-up information/explanations to really help solidify her financial plans. I would highly recommend her expertise, and look forward to continuing to work with her in the future.