Objective Financial Partners Blog
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Is it a mistake to incorporate?
Photo by Freepik You’re a bright-eyed and bushy-tailed recently licensed professional starting your own practice. You’re looking forward to helping your clients or patients, make good money, and begin taking control of your financial future. You’ve heard a lot about incorporation and have some understanding that there are some mysterious…
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Overcontributing to a TFSA
Photo by Freepik A recent article in Advisor.ca reported that TFSA overcontribution penalties collected by CRA in 2024 amounted to 166 MILLION dollars. That money is Canadians’ hard-earned savings that are being allocated to penalties rather than their financial futures. Sadly, I think most of these costs are due to…
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Why Choose a Specialized Financial Professional to Get You Through Your Separation
Photo by Freepik Are you feeling overwhelmed by the financial complexities of your separation? A separation is one of the most stressful and emotionally taxing experiences a person can face. There are so many moving parts, from legal proceedings and asset division to figuring out child arrangements and navigating your…
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Post Divorce Financial Planning
Photo by Freepik Separation and divorce are never easy. Most people are born with the idea that they will get married one day, and then when they do, they tend to imagine that theirs is the marriage that will last. Nobody imagines that they will end up separated and divorced.…
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2024 tax-filing extensions: What you need to know
The article “2024 tax-filing extensions: What you need to know” was originally published in MoneySense on April 14, 2025. Photo by wayhomestudio on Freepik. There are several personal, trust and corporate income-tax-filing extensions for Canadians this year. Which ones apply to you Canadian personal T1 tax returns are generally due by…
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Jason Heath: What the federal election platforms could mean for your pocketbook
The article “Jason Heath: What the federal election platforms could mean for your pocketbook” was originally published in the Financial Post on April 14, 2025. Photo by TravelScape on Freepik. For this election, perhaps more than any other in recent memory, finances are top of mind for many Canadian voters…
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Cross Border Financial Planning: U.S. Citizens Living in Canada
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 Americans choosing to relocate to Canada for various reasons, including political, economic, and social…
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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 preparation and strategic decision-making. Ideally, this planning should begin well before the…
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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 smooth transition. The financial systems and tax laws in both countries…
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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 rates fluctuate. Financial planning is a process that…
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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 entity that primarily exists to own stocks, real estate, interests in…
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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 death or disability of a CPP contributor. It’s worth noting that these…
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