Providing flat-fee and hourly fee-only financial planning advice to clients worldwide since 2012 Our sole purpose is unbiased, objective financial, tax and estate planning advice
We are fee-only, advice-only financial planners, tax accountants, and estate specialists
We sell no products whatsoever
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Jason Heath, CFP, B.A. (Hons) Econ.
Managing Director
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.
Nancy Grouni, CFP, PFP
Certified Financial Planner
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.
As a Certified Financial Planner (CFP), Nancy has been interviewed, and contributed to, a variety of publications and financial websites such as the Globe & Mail, Yahoo! Canada Finance, Financial Post, CreditCards.ca, CreditCards.com, Financial Pipeline and 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
Certified Financial Planner
Brenda has worked for over 25 years in the financial services industry and has extensive experience with retirement planning and expatriate Canadians. She has worked as a bank branch manager and as a college professor, teaching students about investment products. Brenda also taught the Life Insurance Licensing program at Business Career College and was a Director of Business Development at Freedom 55 Financial.
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.
In her spare time, Brenda practices yoga daily and will often be found outdoors where she can enjoy her passion for cycling. She also provides financial planning advice to cancer patients at Wellspring, an organization that offers various support services to cancer patients and their families.
Andrew Dobson, CFP, CIM, PFP, FCSI
Certified Financial Planner
Andrew has been providing financial advice for individuals, families, and corporations for over 15 years, having worked for major banking institutions as well as an accounting firm. He has acted as a Senior Financial Planner for BDO Canada LLP’s Wealth Advisory Services team. He has extensive experience in banking, lending, mutual funds, investment sales, and advanced financial planning. Andrew has worked with students, young families, high net worth, and ultra high-worth clients and has experience in developing fee-only financial plans with complex corporate, tax, and estate planning considerations.
Andrew has an Honours Bachelor’s Degree from the University of Toronto and his industry related education includes the Certified Financial Planner (CFP), Personal Financial Planner (PFP), Chartered Investment Manager (CIM), and Fellow of Canadian Securities Institute (FCSI) designations. He is currently working toward his Trust and Estate Practitioner (TEP) designation. Andrew has volunteered as an item developer and peer reviewer for various courses offered by the Canadian Securities Institute and is a Standard Setting Committee Member for the PFP designation examinations. As part of his ongoing commitment to education, Andrew has volunteered as a classroom facilitator for Junior Achievement on multiple occasions.
Andrew is married with two young children. His personal interests include outings to parks with his family, soccer, basketball, and watching documentary films.
Hannah McVean, CFP, CIM
Certified Financial Planner
Hannah is a Certified Financial Planner (CFP) and Chartered Investment Manager (CIM) with expertise in comprehensive financial planning. She specializes in tax planning to ensure a seamless integration between the financial plan and tax filings and prepares many of her clients’ tax returns.
Her CIM designation helps her work well with DIY investors, clients looking for a new portfolio manager, and everyone in between.
Beyond technical expertise, Hannah addresses the emotional and psychological aspects of one’s relationship with money. She coaches clients on effective cash flow management to refine money beliefs and behaviors, informed by her Trauma of Money Professional Certification and as a YNAB (You Need a Budget) Coach.
Outside the professional realm, Hannah enjoys outdoor activities like mountain biking and roller skating, and indoor activities like reading sci-fi and fantasy novels.
Thuy (Twee) Lam, CFP
Certified Financial Planner
Thuy (Twee) Lam is an empathetic Certified Financial Planner (CFP) with nearly 25 years of financial planning, wealth management, and business consulting experience.
She enjoys working with clients who value financial advice conveyed in an easy-to-understand fashion, and especially those looking for help with cash flow planning while going through a life change: a new business, retirement, divorce, or losing a loved one.
She has an Hon. BA, Economics & Sociology from University of Toronto. Her educational and professional experience helps Thuy deliver tangible money and financial advice in a way that truly empowers her clients.
Thuy lives in Newmarket with her husband Minh. She has an insane passion for yummy eats. In her spare time, she enjoys personal growth, hiking, exploring new places and spending time with family and friends.
Jason Maule, CFP
Certified Financial Planner
Jason is a seasoned Certified Financial Planner with extensive experience in the financial services industry including banking, wealth management, insurance, and financial planning. His ability to integrate these elements into cohesive strategies makes him a trusted advisor to a diverse clientele.
In recent years, he has had a focus on comprehensive financial planning for business owners and professional corporations with a tax planning focus.
Jason graduated Magna Cum Lauda on the Dean’s Honour List with a BBA, Marketing and Management, from Northwood University. He lives in London, Ontario with his wife and children.
Ryan Kurtz, CPA, CFP
Certified Financial Planner, Chartered Professional Accountant
Ryan has a strong tax and financial planning background as a Chartered Professional Accountant (CPA) and a Certified Financial Planner (CFP). He studied at Lethbridge College, where he obtained a Diploma in Accounting, as well as the University of Lethbridge, where he obtained a Bachelor’s Degree in Accounting.
Ryan specializes in advising business owners and incorporated owner-managers on financial planning and accounting matters.
Ryan is a volunteer with the Canadian Ski Patrol, demonstrating his dedication to community service and safety. He has served on the board as Treasurer, managing financial responsibilities for the non-profit organization.
Residing in Lethbridge, Alberta, with his wife and three children, Ryan leads a balanced life, indulging in his passion for outdoor activities and community involvement. In his spare time, he can be found biking or skiing with the family, or spending time in the woodshop.
Anna Golan-Reznick, CFP, CRPC (US)
Certified Financial Planner, Chartered Retirement Planning Counselor
Anna Golan-Reznick is a Certified Financial Planner (CFP) with over 20 years of experience in the financial industry. She combines deep expertise in financial planning with a complementary educational background in psychology. The last 14 years of her career have been spent in the wealth management industry in various roles with a big 5 Canadian bank.
Anna earned her Bachelor of Arts in Psychology and has acquired multiple certifications from the Canadian Securities Institute and FP Canada, including the Advanced Certificate in 3H Financial Planning focused in the areas of Holistic Financial Planning, Human Behaviour, and Honesty and Ethics (3H). She is also a Chartered Retirement Planning Counselor (CRPC) in the US, which helps with her cross-border expertise.
Anna specializes in comprehensive financial planning and retirement strategies, particularly for Canadian expatriates. She is passionate about working with clients who are considering relocating or retiring overseas.
Residing in London, Ontario, Anna and her husband have a teenage daughter. As a nature lover, she enjoys traveling to warm destinations with her loved ones. In her free time, Anna loves biking in parks with her daughter and taking walks with her dog. She is committed to maintaining a balanced lifestyle while continuously pursuing personal and professional growth.
Jeff McCartney, CFP
Certified Financial Planner, MBA
Jeff McCartney is an experienced Certified Financial Planner (CFP) with a background in investments, tax, and financial planning.
Jeff has a Master of Business Administration (MBA) degree from Carleton University’s Sprott School of Business. He also holds a Chartered Financial Divorce Specialist designation. His comprehensive training includes several advanced qualifications from the Canadian Securities Institute, which equip him to offer a broad range of financial planning services.
Jeff has a passion for teaching and preparing young financial planners for their CFP certification exams as a sessional professor at Seneca Polytechnic. His approach to working with clients is the same – educational and empowering. Jeff has also engaged in content development for prominent industry education providers such as Moody’s and Advocis.
Outside of his professional life, Jeff enjoys spending time at his cottage with his wife Sarah and their two sons, Jack and Robert. He also has a passion for singing, playing guitar, fishing, and golfing.
Brandon Davies, CFP Candidate (US), CFP (Canada), CIM, CLU, TEP
Certified Financial Planner
Brandon is a cross-border Certified Financial Planner (CFP) with dual certification in both the US and Canada. He has extensive experience in cross-border tax and financial planning and a deep understanding of the complex financial landscapes impacting Americans moving to Canada, US citizens in Canada, and Canadians with US ties.
Brandon is also a Chartered Investment Manager (CIM) with expertise in investment portfolio management, having an intimate understanding of investment strategies for cross-border clients in both countries.
He excels in navigating cross-border tax and investment compliance, interpreting the Canada-US Tax Treaty, and addressing issues such as double taxation, tax residency, cross-border pensions and retirement planning, and optimizing investment portfolios for cross-border efficiency.
Brandon lives in the Edmonton, Alberta area with his wife and son. Outside the office, Brandon is an avid hiker and travel enthusiast who enjoys exploring new destinations with his family. A self-proclaimed foodie, Brandon also loves trying new recipes and discovering hidden-gem restaurants.
Ethan Grouni
Financial Planning Assistant
Ethan is a financial planning assistant. You could say financial planning runs in the family; his mother, Nancy, has worked at Objective Financial Partners for over 10 years.
He is currently studying at Sheridan College (Pilon School of Business), enrolled in their Business Finance program, and working towards his Certified Financial Planner (CFP) designation.
Ethan has a passion for the finance industry, especially all things related to investment planning. He is a firm believer that starting early reaps long term rewards and looks forward to empowering other young people to take control of their financial lives to navigate the challenging landscape of the financial industry.
In his spare time, you might find Ethan on the golf course or participating in volleyball or hockey tournaments. He also enjoys working with his hands and sharpening his carpentry skills.
Scott Page, BMath, MAcc
Senior Tax Accountant
Scott is an experienced tax accountant with over 10 years of experience advising clients on accounting and tax matters. He started his career at a big four accounting firm in Toronto and has since worked for smaller firms with clients with diverse needs.
He can prepare personal, corporate, and trust tax returns for clients of Objective Financial Partners. He also incorporates tax planning into the overall financial plans of clients.
Scott graduated with a Bachelor of Mathematics degree from the University of Waterloo, as well as a Master of Accounting degree. Scott has completed the CPA Canada In-Depth Tax Program (IDTP), the most comprehensive, practical, and relevant tax training available in Canada.
He lives in Newmarket with his wife and three children. He enjoys playing tennis and golf in his free time.
Paul McVean, BAccS, CPA, CGA, CFP, TEP
Senior Tax Accountant
Paul works with a wide range of clients, but specializes in providing sophisticated advice to incorporated owner/managers with respect to corporate structuring, compensation strategies, sale and succession planning, estate freezes, and estate planning.
He began his tax career over 25 years ago at one of the big four accounting firms, where he was involved in public accounting, tax planning, and compliance. Paul has also worked in wealth management at one of Canada’s largest independent wealth management firms as Regional Vice President, Wealth Planning, as well as two fee-only financial planning firms providing complex financial, tax, and estate planning solutions.
He holds a Bachelor of Accounting Science degree and has also earned the Chartered Professional Accountant (CPA, CGA), Certified Financial Planner (CFP), and Trust and Estate Practitioner (TEP) designations, and also is a Fellow of the Association of Chartered Certified Accountants (FCCA), a U.K. based professional body.
Anita Pelletier
Bookkeeper
With extensive experience spanning over two decades, Anita is a highly accomplished accounting professional with expertise in full cycle accounting and the preparation of month-end and year-end financial statements. Her career spans multiple industries, reflecting her adaptability and meticulous attention to detail. She has a proven track record of cultivating lasting relationships with coworkers, clients, and vendors, thanks to her strong communication skills and action-oriented approach.
Anita began her academic pursuits in Calgary attending S.A.I.T. for their two-year accounting program, while working for a major oil company in their accounting department.
Based in Calgary, Alberta, Anita & her husband enjoy biking in the mountains, gardening, and spending time with their dogs.
John Sotiropoulos
Bookkeeper
With over two decades of experience in the field, John is highly skilled in full-cycle bookkeeping across a variety of industries, from healthcare, e-commerce, law firms, restaurants, and property rentals.
He has meticulous attention to detail and strong communication skills, building lasting relationships with colleagues, clients, and vendors alike.
John is proficient in QuickBooks (desktop and online), Xero, and Microsoft Office, and consistently delivers reliable financial management – from accounts receivable and payable to month-end and year-end reporting.
Originally hailing from Greece, John lives in Richmond Hill, Ontario. Outside of work, he’s a dedicated music enthusiast, especially when it comes to vinyl records. When he’s not balancing the books, John can often be found exploring his vinyl collection or making new memories with his family.
Maria Tanel
P1 Paralegal
Maria Tanel is a caring and experienced estate professional, P1 paralegal licensed by the Law Society of Ontario, notary public, and commissioner of oaths.
She has over 25 years of experience working with executors to manage their estate administration matters. She has been an active volunteer, acting as a group facilitator for over 10 years with Catholic Community Services of York Region.
Theresa Simpatico
Operations Manager
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.
Natasha Rose
Administrative Specialist
Natasha received her BA at the University of Toronto. She has worked in the wealth management industry for more than 15 years. She has the tools to help ensure successful communication and delivery of expectations for each client and has a keen understanding for client care and support.
Natasha lives in Richmond Hill with her husband and 2 children. She is passionate about baking and Latin dancing.
Charlotte Cosburn
Administrative Assistant
Charlotte received her BA from Sheffield Hallam University in the United Kingdom. She has extensive experience in administration and customer service, enabling her to manage administrative and client relation duties with ease. She has worked in a variety of industries including commercial real estate and property management.
Charlotte lives in Whitby with her husband and two children. She has a passion for hiking and nature, and she enjoys cooking and spending time with loved ones.
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.
Services
Here are some of the services we offer:
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?
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.
Cross Border Financial Planning: Considerations for U.S. Citizens Living in Canada
Photo designed by Freepik As of November 2024, approximately 700,000 U.S. citizens reside in Canada. Additionally, between 2015 and the third quarter of 2024, over 93,000 Americans were granted permanent residency in Canada. These numbers illustrate a growing trend of...
Cross Border Financial Planning: Considerations for Americans Moving to Canada
Photo designed by Freepik There are numerous reasons why Americans are choosing to move to Canada, whether personal, political, employment-related, or otherwise. However, the process of financial planning for a move to Canada is complex and demands thorough...
Cross Border Financial Planning: Considerations for Canadians Moving to the U.S.
Photo designed by katemangostar on Freepik Financial planning for Canadians moving to the U.S. is a complex process that requires careful preparation and strategic decision-making. Ideally, this planning should begin well before the intended departure date to ensure a...
How often should you update your financial plan?
The article "How often should you update your financial plan?" was originally published in Financial Post November 22, 2024, by Jason Heath. Photo by mindandi on Freepik A plan is never final. Family and financial contexts evolve, and tax rules, markets and interest...
When Should You Set Up A Holding Company?
Business owners, landlords, and investors often consider various structures to optimize their financial and tax situation. One popular strategy is the establishment of a holding company or holdco. Understanding Holding Companies A holding company is a type of business...
2024 Federal Budget Amendments that Impact CPP Benefits
The 2024 federal budget has introduced several changes to the Canada Pension Plan (CPP) benefits that affects the Death Benefit, Disabled Contributor’s Child Benefit, and Survivor’s Pension. These amendments increase support to families and individuals impacted by the...
The purpose of this meeting is to understand your specific needs to determine if and how we can help. We then provide a quote for our services to be detailed in a written engagement letter that acts as our contract to you. Please note we cannot provide advice to you during this introductory meeting.
We work with many self-directed DIY investors. That said, we cannot provide investment recommendations for the purchase or sale of specific securities, nor can other fee-only/advice-only financial planners in Canada who are not licensed to manage your investments.
Please note our minimum consultation fee is $1,500 plus applicable sales tax. If you provide some information below and request it from us, we can provide a rough estimate on pricing prior to an introductory meeting.
Objective Financial Partners Inc.
675 Cochrane Drive
East Tower, 6th Floor
Markham, Ontario
L3R 0B8
T. 416.691.8471
Toll Free. 1.855.691.8471
Providing fee-only financial planning to clients in Toronto or worldwide via Zoom or 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.
Please send email inquiries to info@objectivecfp.com
