We Are Fee-Only, Advice-Only Financial Planners
Jason Heath, CFP
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, MoneySense Magazine and Canadian MoneySaver. He is also a regular contributor to RetireHappy.ca.
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 a particular interest in working with clients with complex planning issues, including Canadian expats in other countries.
He has three children and lives with his wife in Pickering, Ontario.
Carlo Palazzo, CFP
Carlo is highly skilled at decumulation planning for retirees but works with clients at all ages and stages of the retirement planning process. He is experienced working with U.S. citizens living in Canada and with Canadians working in the U.S.
He has a Bachelor of Applied Business degree, majoring in Personal Financial Planning, from the George Brown School of Financial Services. He also holds the Certified Financial Planner (CFP) designation, the Chartered Financial Analyst (CFA) designation, and is a member of the Toronto CFA Society.
Carlo’s career began with a fee-only financial planning firm working with individuals and families. He also worked as a Financial Planning Analyst in the wealth management division of a Big Five bank, creating financial plans for high net worth clients. More recently, Carlo was a Financial Planner at a Canada-U.S. cross-border financial planning and investment management firm.
He has never held a license to sell securities or insurance, focusing instead on professional financial planning.
Carlo lives in Toronto with his daughter.
Nancy Grouni, CFP
Nancy had a 20-year career as an investment and insurance advisor with two large wealth management firms, building and presenting client financial plans and investment portfolio reviews, before becoming a fee-only financial planner.
She specializes in financial, tax, and estate planning for incorporated business owners and professionals, sole proprietors who are considering incorporation, and retirees with investment holding companies.
Nancy is a Certified Financial Planner (CFP).
She has been interviewed for a variety of publications and financial websites such as the Globe & Mail, Yahoo! Canada Finance, Financial Post, CreditCards.ca, CreditCards.com, and the Financial Pipeline. She is also a regular contributor to RetireHappy.ca.
Nancy has two children and is an active volunteer in her 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
Brenda has worked for over 20 years in the financial services industry and has extensive experience focused on retirement planning and expatriate Canadians. She has worked as a bank branch manager, a financial advisor trainer, and a college professor teaching students about investment products.
Whether she is 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 is much easier to follow advice when you understand it.
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. She is a regular contributor to RetireHappy.ca.
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 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.
Theresa has worked in accounting, sales, and marketing roles, and also as a Residential Real Estate Sales Representative.
She has a passion for mindfulness and meditation, and is a certified Primordial Sound Meditation instructor.
Theresa has three children and is an active school volunteer.
We Sell No Products Whatsoever
Our sole purpose is unbiased, objective financial, tax and estate planning advice
Our Typical Client
Our clients have a net worth ranging from zero to several million dollars. Likewise with their income. They live in Canada, for the most part. Those who are not in Southern Ontario are open to working remotely via secure web conference, email and telephone.
Basically, our clients are Canadians looking for unbiased, objective and comprehensive financial, tax and estate planning advice. And they don’t want investment or insurance products to be co-mingled with that advice.
Here are some of the services we offer:
- Fee-Only, Advice Only Financial Planning
- Retirement Planning
- Investment Strategy
- Tax Planning
- Insurance Needs
- Estate Planning
Frequently Asked Questions
Here are a few of the questions we’re commonly asked:
- What is a financial planner?
- What is a fee-only financial planner?
- What is a financial plan?
- What are your fees?
- Do you provide fee-only investment advice?
- Do you work with clients outside of Toronto?
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.
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.
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.
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.
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.
Nancy is diligent, thorough, hard working, conscientious, and highly professional. She is committed to providing the highest level of client-service possible.
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.
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.
The article "Retirement Planning Can Be So Complex People Avoid It Altogether. Here's How To Avoid That Trap." was originally published on Financial Post on August 24, 2020. There are ways it can be simplified Saving for retirement can be a daunting task. For some...
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The article "Is A Personal Injury Settlement Taxable, And Can It Impact OAS or GIS Benefits?" was originally published on MoneySense on August 17, 2020. After receiving a personal injury settlement, J is looking for advice on how it might be taxed, and whether it will...
The article "Severance, Pensions and Unemployment at 65: Should You Apply For A Pension If You Get Laid Off?" was originally published on MoneySense on August 11, 2020. If you got laid off and are trying to maximize your termination package, pension income and EI...
The article "The Best Ways To Help Kids Financially" was originally published on MoneySense on August 6, 2020. You don’t have to be rich to give children a good start in life. Here are six strategies to use with kids of any age. As a father of three and a financial...
The article "Which Savings Plans Should A 37-Year-Old With A Military Disability Income Contribute To, And When?" was originally published on MoneySense on July 28, 2020. Jason and his wife have registered disability savings plans, and want to know how to prioritize...
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 © 2018 |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.