Objective Financial Partners Blog
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Retirement math you need to know, from how long you’ll live to deferring CPP
The article “Retirement math you need to know, from how long you’ll live to deferring CPP” was originally published in Financial Post February 5, 2024, by Jason Heath. Photo by Junior Bastos of Pexels. Jason Heath: Go beyond how much you need to save with this surprising math. It is…
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FP Answers: Is it wise to invest some savings in gold? If so, what’s the best way?
The article “FP Answers: Is it wise to invest some savings in gold? If so, what’s the best way?” was originally published in Financial Post on December 15, 2023. By Julie Cazzin with Andrew Dobson. Photo by by rcphotostock. Gold should be used mainly as a hedge as opposed to a…
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FP Answers: How do I figure out my combined marginal tax rate so I can make good financial decisions?
The article “FP Answers: How do I figure out my combined marginal tax rate so I can make good financial decisions?” was originally published in Financial Post on December 15, 2023. By Julie Cazzin with Andrew Dobson. Photo by Mikhail Nilov from Pexels. Marginal tax rate is important to know because…
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The Difficult Upbringing That Kept This Advisor From Buying A Home Until Age 55
In this new series, Behind the Advice, we ask advisors about their relationship with money from a young age, lessons learned over the years, and how their experiences influence the advice they give clients today. Brenda Hiscock, certified financial planner at Objective Financial Partners Inc. in Cobourg, Ont., discusses growing…
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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 administration tax (otherwise known as probate fee) is 1.5% on…
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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 evidence to suggest however, that security selection accounts for much…
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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. Photo by by TonyIaniro from Getty Images. If you are healthy there may be a benefit to…
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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. Photo by AndreyPopov from Getty Images. Jason Heath: These alternative strategies can help you achieve the best retirement possible. Retirement is the pinnacle of most Canadians’ financial plans.…
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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 now that there is trauma around money. Some…
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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. Photo by Pavel Danilyuk from Pexels. Before Lyle and Tonia can retire, they have to pay off the $425,000…
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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. Photo by T Leish from Pexels. Advance planning and avoiding major decisions until after the mourning period are among the keys…
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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. Photo by simarik from Getty Images Signature. Funds offer several features in one product, but those features come at a…
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