Here is a collection of articles we have published so you can stay informed!
Estate Planning with Real Estate in Canada – A Tale of Tax Consequences
For older Canadians considering their estate planning, minimizing probate fees may be a concern. For many Canadians, their biggest asset by far is their principal residence. In some cases, it’s worth over a million dollars. For Ontario residents, whose estate...
Behavioral Finance: Why Your Investing Mindset Matters Just as Much as Your Portfolio Mix
What’s a bigger driver of investment performance – asset allocation or your investing behaviour? Many people likely believe that neither of these is the biggest driver of portfolio performance, but instead that the biggest driver is security selection. There is...
FP Answers: How will cashing in my stock options affect my CPP contributions for the year?
The article "FP Answers: How will cashing in my stock options affect my CPP contributions for the year?" was originally published in Financial Post on October 6, 2023, By Julie Cazzin with Andrew Dobson. If you are healthy there may be a benefit to considering CPP...
6 retirement strategies that don’t get talked about enough
The article "6 retirement strategies that don't get talked about enough" was originally published in Financial Post November 15, 2023, by Jason Heath. Jason Heath: These alternative strategies can help you achieve the best retirement possible. Retirement is the...
Understanding Money Trauma: Navigating Overspending with the Window of Regulation
You could have money trauma. Like all trauma, it’s different for everyone. At the very least, you may have some emotional wounding, cognitive distortions, or negative feelings around money. I’ll explore these themes more deeply in separate articles. Suffice to say for...
Can Lyle, 48, and Tonia, 53, Afford To Trade Their Home For Two Condos?
The article "Can Lyle, 48, and Tonia, 53, afford to trade their home for two condos?" was originally published on the Globe and Mail on October 20th, 2013 by Dianne Maley. Before Lyle and Tonia can retire, they have to pay off the $425,000 mortgage on their Alberta...
These tips can help you avoid financial pain amid the emotions of losing a spouse
The article "These tips can help you avoid financial pain amid the emotions of losing a spouse" was originally published in Financial Post October 11, 2023, by Jason Heath. Advance planning and avoiding major decisions until after the mourning period are among the...
FP Answers: Are segregated funds my best investment choice like my adviser says?
The article "FP Answers: Are segregated funds my best investment choice like my adviser says?" was originally published in Financial Post on October 6, 2023, By Julie Cazzin with Andrew Dobson. Funds offer several features in one product, but those features come at a...
Should You Use Home Equity To Buy A House For Your Kids?
The article "Should you use home equity to buy a house for your kids?" was originally published in MoneySense on October 6, 2023. Some parents want to help their kids move out by borrowing against their home. Here’s how interest rates and estate planning might impact...
FP Answers: What should an investor do if they own a lot of shares in one company?
The article "FP Answers: What should an investor do if they own a lot of shares in one company?" was originally published in Financial Post on May 5, 2023, updated on October 5, 2023. By Julie Cazzin with Andrew Dobson. There is a significant amount of risk in having...
How To Report U.S. Employment Income In Canada
The article "How to report U.S. employment income in Canada" was originally published in MoneySense on September 25, 2023. Canadian citizens who work in the U.S. have to meet Canadian and U.S. tax filing requirements. Here’s what to know about the rules, including...
Do You Need Mortgage Life Insurance?
The article "Do you need mortgage life insurance?" was originally published in MoneySense on September 22, 2023. Mortgage protection can be a good idea, if for instance you have a condition or illness that might make it difficult to get insurance otherwise. "I am a...
Who Should Canadians Consult For Debt Advice?
The article "Who should Canadians consult for debt advice?" was originally published in MoneySense on September 18, 2023. Photo by Lifestylememory from Freepik. With debt servicing costs up significantly over the past year, many Canadians are struggling and need help....
What To Know About Withholding Tax In Retirement
The article "What to know about withholding tax in retirement" was originally published in MoneySense on September 11, 2023. Photo by Mücahit inci from Pexels. Most retirees have taxes owing at the end of the year. Should you adjust the withholding tax on your pension...
Are Vanguard Canada ETFs and Other Funds Always A Good Investment?
The article "Are Vanguard Canada ETFs and other funds always a good investment?" was originally published in MoneySense on September 6, 2023. Photo by Ekaterina Bolovtsova from Pexels. Here’s how you can access Vanguard ETFs in Canada and some pros and cons of ETFs to...
What To Do When You Have Insufficient Or Unused RESP Funds
The article "What to do when you have insufficient or unused RESP funds" was originally published in MoneySense on August 14, 2023, reposted September 1, 2023. RESPs often fall short of funding a child’s full education, but sometimes an account holder ends up with...
Why Inflation-linked Bonds Aren’t Always The Answer To High Inflation
The article "Why inflation-linked bonds aren’t always the answer to high inflation" was originally published in MoneySense on August 28, 2023. Inflation-linked bonds can decline in a high-inflation year. Here’s how increases and decreases in inflation impact these...
Should You Pay Off Student Debt Before Investing?
The article "Should you pay off student debt before investing?" was originally published in MoneySense on August 22, 2023, reposted September 1st, 2023. If you want to start investing but you’ve got a Canada Student Loan or other student debt to repay, here’s how to...
FP Answers: What’s the best strategy for making good use of my CPP, Old Age Security and RRSP money?
The article "FP Answers: What’s the best strategy for making good use of my CPP, Old Age Security and RRSP money?" was originally published in Financial Post on August 18, 2023, Last updated October 5, 2024. By Julie Cazzin with Andrew Dobson Q: I am 61 years old and...
Why Couples Should Consider Co-Mingling Their Finances
The article "Why couples should consider co-mingling their finances" was originally published in Financial Post on August 15, 2023. PHOTO BY GETTY IMAGES/ISTOCKPHOTO. Research shows that couples who merge their money are more likely to be happy and successful Given...
A Company I Hold Stock In Was Acquired Or Merged—Do Capital Gains Apply?
The article "A company I hold stock in was acquired or merged—do capital gains apply?" was originally published in MoneySense on August 8, 2023. Shareholders cannot always prevent a company sale or merger from going ahead. When that happens, do you still owe taxes on...
Can You Trust AI With Financial Advice?
The article "Can you trust AI with financial advice?" was originally published in MoneySense on July 31, 2023. Advancements in artificial intelligence have begun to accelerate and are a hot investing topic in 2023. Can AI give financial advice you can trust? I am a...
FP Answers: What are the problems associated with holding U.S. stocks in a TFSA?
The article "FP Answers: What are the problems associated with holding U.S. stocks in a TFSA?" was originally published in Financial Post on July 28, 2023, Last updated Jan 10, 2024. By Julie Cazzin with Andrew Dobson. You may be able to have your cake and eat it,...
When Your Child Moves Into Your Rental Property: Capital Gains And How To Claim Principal Residence Exemption
The article "When your child moves into your rental property: Capital gains and how to claim principal residence exemption" was originally published in MoneySense on July 24, 2023. When an adult child moves into their parents’ rental property, the family should be...
How to develop a retirement plan
No matter how many years until you plan to retire, there is a benefit to retirement planning to determine your long-term financial trajectory. A retirement plan can help you assess how much you should be saving each month in order to stay on track, and how much you...
How Annuities Work In Canada
The article "How annuities work in Canada" was originally published in MoneySense on July 17, 2023, reposted April 18, 2024. Annuities have faced headwinds over the past 40 years. But as interest rates climb and baby boomers retire, they’re gaining interest from...
How To Claim A Child’s Income Below The Basic Personal Amount
The article "How to claim a child’s income below the basic personal amount" was originally published in MoneySense on July 10, 2023. Even if a child’s earnings are exempt from income tax, they may be entitled to tax credits or deductions. Here’s how their income...
Fee Only Financial Planning: The Benefits of Transparency and Personalization
Navigating your finances can be an arduous journey. From monthly budgeting to retirement savings, making informed decisions can be tricky. Fee only financial planning provides objective, impartial advice that can assist in making wise choices about how best to maximize your cash flow for the future.
RRIF withdrawal rules for retirees need to be updated
The article "RRIF withdrawal rules for retirees need to be updated" was originally published in Financial Post July 5, 2023, by Jason Heath. Retirees should beware of using the RRIF conversion age or the minimum withdrawal schedule as a guideline. The government and...
Should You Include Your Pension In Your Net Worth?
The article "Should you include your pension in your net worth?" was originally published in MoneySense on July 4, 2023. Photo by Kampus Production from Pexels. Whether to include a pension in your net worth statement is up for debate. If you choose to do so, know...
4 Strategies For Income Splitting With A Lower-Income Spouse
The article "4 strategies for income splitting with a lower-income spouse" was originally published in MoneySense on June 26, 2023. Photo by Nataliya Vaitkevich from Pexels. If one spouse does not work, is it beneficial for the other to invest and buy stocks in their...
Should You Transfer Your DC Pension Plan To A Discount Brokerage?
The article "Should you transfer your DC pension plan to a discount brokerage?" was originally published in MoneySense on June 26, 2023. Photo by Ono Kosuki from Pexels. "I have been with the same employer for nearly 20 years and have participated in the company’s DC...
What To Do When You Overcontribute To Your RRSP
The article "What to do when you overcontribute to your RRSP" was originally published in MoneySense on June 19, 2023. Photo by Ono Kosuki from Pexels. If you’ve accidentally overcontributed to your RRSP, you’ll pay a tax penalty. Here are your options for promptly...
What Expenses Can You Deduct When Renovating A Rental Property?
The article "What expenses can you deduct when renovating a rental property?" was originally published in MoneySense on June 13, 2023. Photo by Andrea Piacquadio from Pexels. The purpose of the renovations, as well as the occupancy of the building, can influence...
Should You Accelerate Your Mortgage Payments—Or Invest?
The article "Should you accelerate your mortgage payments—or invest?" was originally published in MoneySense on June 12, 2023. Photo by Blue Bird from Pexels. Chantal wants to pay down debt, invest and buy a property down south but isn't sure which to prioritize. "My...
FP Answers: Can opening a joint investment account with my teenager reduce my taxes?
The article "FP Answers: Can opening a joint investment account with my teenager reduce my taxes?" was originally published in Financial Post on June 9, 2023, By Julie Cazzin with Andrew Dobson. Putting investments in his name just to save tax and then using the money...
What To Do With U.S. Dollar RRSPs In Retirement
The article "What to do with U.S. dollar RRSPs in retirement" was originally published in MoneySense on June 5, 2023. Photo by Gustavo Fring from Pexels. If you already have a Canadian dollar RRIF, should you roll the U.S. dollar RRSP into the RRIF, or open a U.S....
Determining Your Financial Independence Number and Sustainable Withdrawal Strategy
We're excited to share Build Wealth Canada's podcast episode featuring our own financial planning expert, Jason Heath. In this episode, Jason breaks down the complexities of determining your financial independence number and lays out effective, sustainable withdrawal...
Should This DIY Investor Go All In On This International ETF?
The article "Should this DIY investor go all in on this international ETF?" was originally published in MoneySense on May 29, 2023. Photo by Ketut Subiyanto from Pexels. You can exclusively hold international ETFs in any Canadian account, without paying a penalty. But...
These Are The Biggest Myths In Personal Finance — And They’ll Cost You If Followed Blindly
The article "These are the biggest myths in personal finance — and they'll cost you if followed blindly" was originally published in Financial Post on May 26, 2023. PHOTO BY GETTY IMAGES/ISTOCKPHOTO. Jason Heath: Beware of financial advice that is biased or even...
Do Non-Residents Pay Tax On CPP? What If You Live In The U.S.?
The article "Do non-residents pay tax on CPP? What if you live in the U.S.?" was originally published in MoneySense on May 23, 2023. Photo by Mike Jones from Pexels. Withholding tax is generally the only Canadian tax a non-resident pays for their CPP pension, and the...
Should You Transfer Your DC Pension Plan To A Discount Brokerage?
The article "Should you transfer your DC pension plan to a discount brokerage?" was originally published in MoneySense on May 8, 2023. Photo by Ono Kosuki from Pexels. Can you transfer funds out of your registered pension plan (RPP) and invest them yourself to reduce...
The article "FP Answers: What should an investor do if they own a lot of shares in one company?" was originally published in Financial Post on May 05, 2023 • Last updated Oct 05, 2023. By Julie Cazzin with Andrew Dobson. There is a significant amount of risk in...
FP Answers: What should I do if I’ve missed three years of repayments to my RRSP Home Buyers’ Plan?
The article "FP Answers: What should I do if I've missed three years of repayments to my RRSP Home Buyers’ Plan?" was originally published in Financial Post on Published Jan 27, 2023 • Last updated May 03, 2023, by Julie Cazzin and Brenda Hiscock. You are unable to...
Market-Linked GICs: The Pros And Cons For Investors
The article "Market-linked GICs: The pros and cons for investors" was originally published in MoneySense on May 1, 2023. Photo by Andrés Góngora from Pexels. These GICs track the markets, offering low risk and some upside potential to investors. Here’s how to know if...
Are Mutual Fund Fees Tax Deductible?
The article "Are mutual fund fees tax deductible?" was originally published in MoneySense on April 24, 2023. Photo by Centre for Ageing Better from Unsplash. Don’t go claiming a deduction for mutual fund fees on your tax return. Why? Because they’ve already been...
Can You Save Tax By Moving Into Your Rental Property?
The article "Can you save tax by moving into your rental property?" was originally published in MoneySense on April 18, 2023. Photo by Ketut Subiyanto from Pexels. Moving into a co-owned property has capital gains tax implications, but there are other financial...
What Is Considered Day Trading In A TFSA
The article "What is considered day trading in a TFSA" was originally published in MoneySense on April 17, 2023. Photo by AlphaTradeZone from Pexels. The recent Ahamed v. The King decision by the Tax Court of Canada highlights risks for investors who trade frequently...
Selling Stocks At A Loss In A TFSA: What It Means For Your Contribution Room
The article "Selling stocks at a loss in a TFSA: What it means for your contribution room" was originally published in MoneySense on April 10, 2023. Photo by Ketut Subiyanto from Pexels. Before holding speculative stocks in a TFSA, consider what reporting a capital...
Ottawa Is Offering a 25-year, High-Interest GIC: It’s Called The Canada Pension Plan
The article "Ottawa is offering a 25-year, high-interest GIC: It's called the Canada Pension Plan" was originally published in Financial Post on April 7, 2023. PHOTO BY GETTY IMAGES/ISTOCKPHOTO. Decision on when to apply for CPP becomes clearer when you think of it as...
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.
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
