Here is a collection of articles we have published so you can stay informed!

How To Leave Money To Your Grandkids

How To Leave Money To Your Grandkids

The article “How to leave money to your grandkids” was originally published in MoneySense on October 28, 2022. Photo by Ekaterina Shakharova on Unsplash. If you’re a grandparent and want to leave money to your grandchildren, here are tips on how best to do that. In my...

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Is An RRSP Loan A Good Idea?

Is An RRSP Loan A Good Idea?

The article “Is an RRSP loan a good idea?” was originally published in MoneySense on October 28, 2022. Photo by pressfoto from freepik.com. Depending on which tax bracket you’re in and whether you have other debt, you might be better off simply directing what you...

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“Where Do We Pay Income Tax If We Retire Abroad?”

“Where Do We Pay Income Tax If We Retire Abroad?”

The article “Where do we pay income tax if we retire abroad?” was originally published in MoneySense on October 26, 2022. Photo by Mikhail Nilov from Pexels. There are tax implications in both countries if Marianna moves to Mexico full-time. Q. We’re thinking about...

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Financial Planning In Your 70s

Financial Planning In Your 70s

The article "Financial planning in your 70s" was originally published in MoneySense on October 6, 2022. Photo created by rawpixel.com - www.freepik. Be mindful of these money concerns, even after retirement. When most people think about financial planning, they think...

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Gifting A Parent’s Assets Using A Power Of Attorney

Gifting A Parent’s Assets Using A Power Of Attorney

The article "Gifting a parent’s assets using a power of attorney" was originally published in MoneySense on September 26, 2022. Photo by fizkes from Shutterstock. As power of attorney, does it make sense to divide up a parent’s assets before their death? "I am hoping...

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Is A Vacation Home A Good Investment?

Is A Vacation Home A Good Investment?

The article "Is a vacation home a good investment?" was originally published in MoneySense on September 20, 2022. Photo by Maria Orlova on Pexels. A cottage or other vacation property can provide a great way to unwind and spend time with family. But what are some of...

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Can You Gift A Farm To Your Kids To Avoid Taxes?

Can You Gift A Farm To Your Kids To Avoid Taxes?

The article "Can you gift a farm to your kids to avoid taxes?" was originally published in MoneySense on September 12, 2022. Photo by Gregory Hayes on Unsplash. The idea to gift property to a family member for a dollar to avoid tax is a common one. But can this be...

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Should You Buy Real Estate Through A Corporation?

Should You Buy Real Estate Through A Corporation?

The article "Should you buy real estate through a corporation?" was originally published in MoneySense on September 12, 2022. Photo by Sebastian Staines on Unsplash. It can make sense to purchase rental or vacation properties through a corporation, but often it's...

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Will You Make Money On Your Rental Property?

Will You Make Money On Your Rental Property?

The article "Will you make money on your rental property?" was originally published in MoneySense on September 7, 2022. Photo by Timur Saglambilek on Pexels. Rental real estate has been a great investment for many Canadians. But how do you assess whether yours is...

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What Time Of Year Should You Retire?

What Time Of Year Should You Retire?

The article "What time of year should you retire?" was originally published in MoneySense on September 6, 2022. Photo by Kampus Production from Pexels. When’s the best time to retire? The timing is not always up to you, but if you can choose, there may be an ideal...

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Are Home Renovations Tax Deductible In Canada?

Are Home Renovations Tax Deductible In Canada?

The article "Are home renovations tax deductible in Canada?" was originally published in MoneySense on August 8, 2022. Photo by Kindel Media from Pexels. Doing home renovations? Find out if there are any tax incentives that Canadians are able to claim. We are...

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U.S. Withholding Tax In An RRSP For Canadians

U.S. Withholding Tax In An RRSP For Canadians

The article "U.S. withholding tax in an RRSP for Canadians" was originally published in MoneySense on August 2, 2022. Photo by Alexander Mils from Pexels. For Canadians who have withholding tax on U.S. income in an RRSP, sometimes this tax can be avoided. I have EPD...

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FP Answers: When Should I Take CPP?

FP Answers: When Should I Take CPP?

The article "FP Answers: When should I take CPP?" was originally published in Financial Post on July 20, 2022.  Photo by GETTY IMAGES/ISTOCKPHOTO. The timing for collecting benefits is more important than seniors think FP Answers has received a mountain of questions...

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Are Fees Payable For Acting As A Power Of Attorney?

Are Fees Payable For Acting As A Power Of Attorney?

The article "Are fees payable for acting as a power of attorney?" was originally published in MoneySense on July 19, 2022.   Can you be paid for a role as an attorney for property, in particular, after the position has already been resigned? Can a fee for power...

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Should I Sell And Rent Or Get A Reverse Mortgage?

Should I Sell And Rent Or Get A Reverse Mortgage?

The article "Should I sell and rent or get a reverse mortgage?" was originally published in MoneySense on July 4, 2022. What to consider before selling your home or getting a reverse mortgage. The math reveals the real costs for retirees. I’m an 82-year-old widowed...

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How Much Are Withholding Taxes On RRSPs And RRIFs?

How Much Are Withholding Taxes On RRSPs And RRIFs?

The article "How much are withholding taxes on RRSPs and RRIFs?" was originally published in MoneySense on June 13, 2022. Photo by Mikhail Nilov from Pexels. Anne wants to take extra RRIF withdrawals beyond her annual minimum amount and is worried about the tax...

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Where To Start Investing With ETFs In Your 20s

Where To Start Investing With ETFs In Your 20s

The article "Where to start investing with ETFs in your 20s" was originally published in MoneySense on May 30, 2022. Photo by Andrea Piacquadio from Pexels. Learning about investing in your 20s can be as fun as it is challenging. Here are some thought-starters. I want...

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Buying A Home After Divorce

Buying A Home After Divorce

The article "Buying a home after divorce" was originally published in MoneySense on May 3, 2022. Photo by Andrea Piacquadio from Pexels. During a divorce, one or both spouses may move into new homes. A MoneySense reader has a question about her eligibility for home...

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How Do Quarterly Income Tax Installments Work?

How Do Quarterly Income Tax Installments Work?

The article "How do quarterly income tax installments work?" was originally published in MoneySense on April 25, 2022. Photo by Nataliya Vaitkevich on Pexels. Explore how tax installments work, how to best plan to paying them on time, and what happens if you paid in...

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Can You Avoid Probate Taxes On TFSAs?

Can You Avoid Probate Taxes On TFSAs?

The article "Can you avoid probate taxes on TFSAs?" was originally published in MoneySense on April 18, 2022. Photo by Sora Shimazaki from Pexels. Find out how to shield TFSAs from probate taxes, when no beneficiary or successor has been named for the registered...

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How Are You Taxed When You Sell A Small Business?

How Are You Taxed When You Sell A Small Business?

The article "How are you taxed when you sell a small business?" was originally published in MoneySense on April 11, 2022. Photo by Andrea Piacquadio on Pexels. How do you report the income from the sale of a small business? What are the tax implications? And what do...

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What To Do When You Overcontribute To Your RRSP

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 April 4, 2022. Photo by Andre Furtado from Pexels. What happens when you inadvertently contribute too much to a RRSP? Find out if there’s anything you can do to...

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Converting A Segregated Fund To A RRIF

Converting A Segregated Fund To A RRIF

The article "Converting a segregated fund to a RRIF" was originally published in MoneySense on March 29, 2022. Photo by Kampus Production. If you hold a segregated fund and want to convert it to a registered retirement income fund, this is what’s involved. I have a...

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Capital Gains When Selling Property To Family

Capital Gains When Selling Property To Family

The article "Capital gains when selling property to family" was originally published in MoneySense on March 18, 2022. Photo by cottonbro from Pexels. If you sell a property to a relative for a bargain price, does that mean you pay less tax for capital gains? Do I have...

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Should You Start OAS If You Are Still Working?

Should You Start OAS If You Are Still Working?

The article "Should you start OAS if you are still working?" was originally published in MoneySense on March 17, 2022. Photo by Tim Mossholder from Pexels. Not retired yet? Wondering about applying for Old Age Security? Here are the things to consider first. I’m...

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Understanding The 1994 Capital Gains Tax Election

Understanding The 1994 Capital Gains Tax Election

The article "Understanding the 1994 capital gains tax election" was originally published in MoneySense on March 14, 2022. Photo by Abby Savage on Unsplash. There is a $100,000 capital gains exemption that applied until 1994. Find out if it can be used to reduce the...

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What Happens To Your TFSA When You Die

What Happens To Your TFSA When You Die

The article "What happens to your TFSA when you die" was originally published in MoneySense on March 7, 2022. Photo by Pavel Danilyuk from Pexels. This is how a TFSA gets distributed in the event of a death, plus, info on making sure it is not subject to probate. I...

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Should You Leave Corporate Savings In Your Company?

Should You Leave Corporate Savings In Your Company?

The article "Should you leave corporate savings in your company?" was originally published in MoneySense on March 1, 2022. Photo by Mikhail Nilov from Pexels. Chris has a lot of money saved in his corporate bank account and wants to take it out with the least amount...

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Cutting Down Capital Gains Tax On Real Estate Sales

Cutting Down Capital Gains Tax On Real Estate Sales

The article "Cutting down capital gains tax on real estate sales" was originally published in MoneySense on February 23, 2022. Photo by Mart Production from Pexels. Defer RRSP contributions to mitigate taxes Is there any real estate investment I could invest my...

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Corporate Investments For Retirees

Corporate Investments For Retirees

The article "Corporate investments for retirees" was originally published in MoneySense on February 15, 2022. Photo by Andrea Piacquadio from Pexels. Retired with cash and investments in a corporation, and wondering how to withdraw with minimal tax implications? I’m...

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How To Find A Lost Life Insurance Policy

How To Find A Lost Life Insurance Policy

The article "How to find a lost life insurance policy" was originally published in MoneySense on February 8, 2022. Photo by Sofia Alejandra from Pexels. A death in the family is always stressful, but money can make it more so. Here’s expert advice for rights to a lost...

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The Process Of Unlocking A LIRA Account In Canada

The Process Of Unlocking A LIRA Account In Canada

The article "The process of unlocking a LIRA account in Canada" was originally published in MoneySense on February 1, 2022. Photo by cottonbro from Pexels. What can you do? What can’t you do? Let’s clarify some conflicting online information about locked-in retirement...

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How To Leave Money To Your Grandkids

How To Leave Money To Your Grandkids

The article "How to leave money to your grandkids" was originally published in MoneySense on December 28, 2021. Photo by Ekaterina Shakharova on Unsplash. In my experience, most people leave their entire estate to their children. But you can name other people to...

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CPP vs RRSP: Can You Transfer Your CPP To An RRSP?

CPP vs RRSP: Can You Transfer Your CPP To An RRSP?

The article "CPP vs RRSP: Can you transfer your CPP to an RRSP?" was originally published in MoneySense on December 20, 2021.Photo by Karolina Grabowska from Pexels. Is it possible to transfer CPP to RRSP? The answer is a quick one, but there’s more to an CPP and...

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What Are The Tax Benefits Of Donating To Charity?

What Are The Tax Benefits Of Donating To Charity?

The article "What are the tax benefits of donating to charity?" was originally published in MoneySense on December 14, 2021.Photo by RODNAE Productions from Pexels. ’Tis the season for giving and some may be wondering how donating to charity saves tax on your tax...

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How To Invest As A Teenager In Canada

How To Invest As A Teenager In Canada

The article "How to invest as a teenager in Canada" was originally published in MoneySense on November 29, 2021. Photo by Creative Christians on Unsplash.   Birthday money burning a hole? Read our "investing for teens" guide for where to invest, how to buy...

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Do RRIF Beneficiaries Pay Tax?

Do RRIF Beneficiaries Pay Tax?

The article "Do RRIF beneficiaries pay tax?" was originally published in MoneySense on November 22, 2021. Photo by Polina Tankilevitch from Pexels. Is it possible to avoid tax as a RRIF beneficiary? Find out if timing could be an issue, as well as rules around...

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Should You Take RRSP Withdrawals To Pay Down Debt?

Should You Take RRSP Withdrawals To Pay Down Debt?

The article "Should you take RRSP withdrawals to pay down debt?" was originally published in MoneySense on November 9, 2021. Photo by Mikhail Nilov from Pexels. With a partner out of work, this reader is considering a RRSP withdrawal to try to reduce her mortgage...

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Reasons To Consider Early RRSP And RRIF Withdrawals

Reasons To Consider Early RRSP And RRIF Withdrawals

The article "Reasons to consider early RRSP and RRIF withdrawals" was originally published in MoneySense on October 19, 2021. Photo by Mikhail Nilov from Pexels. I get a lot of reader-submitted questions about early RRSP and RRIF withdrawals and how much to take out....

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How Much To Take Out Of Your RRSP In Your 60s

How Much To Take Out Of Your RRSP In Your 60s

The article "How much to take out of your RRSP in your 60s" was originally published in MoneySense on October 4, 2021. Photo by Marcus Aurelius from Pexels. Although RRSP withdrawals can be deferred no later than age 72, it may be necessary or advisable to make...

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How To Figure Out Your Investment Fees

How To Figure Out Your Investment Fees

The article "How to figure out your investment fees" was originally published in MoneySense on September 28, 2021. Photo by Andrea Piacquadio from Pexels. John is unclear about what he’s paying his advisor, and cannot seem to get a straight answer. Q. I was wondering...

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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