Objective Financial Partners Blog
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Dust Off That Old Policy: Why Reviewing Your Life Insurance Could Save You Money
The article “Dust Off That Old Policy: Why Reviewing Your Life Insurance Could Save You Money” was originally published on The Financial Post on August 28, 2015. When it comes to your finances, ignorance is not bliss. In this monthly “Inside Scoop” column, certified financial planner Jason Heath gets to the bottom…
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Advice For a Conservative Investor
The article “Advice For a Conservative Investor” was originally published on MoneySense on August 25, 2015. Taking on too little risk can be a risky strategy in and of itself Q: I have $300,000 in U.S. funds sitting in a bank account getting next to nothing in interest. Being a conservative…
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Your Expected Rate of Return
The article “Your Expected Rate of Return” was originally published on MoneySense on August 18, 015. Canadian equity portfolios are expected to yield 6.3% before fees in 2015, according to the FPSC Q: After receiving an average rate of return of about 6.32% over the past several years, I recently changed…
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Working While Collecting CPP, OAS
The article “Working While Collecting CPP, OAS” was originally published on MoneySense on August 11, 2015. Over 65? You can choose whether to continue contributing to CPP in order to collect more later on. Q: Can you work and still collect OAS and CPP? I make around $49,000 with my salary…
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Are Millennials Better Off Renting? Why Young Canadians May Want to Put Off Home Ownership.
The article “Are Millennials Better Off Renting? Why Young Canadians May Want to Put Off Home Ownership.” was originally published on The Financial Post on August 7, 2015. The U.S. Federal Reserve recently suggested that young Americans may be wise to delay the purchase of a home. Given Canada’s surging home prices,…
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Paying Off the Line of Credit
The article “Paying Off the Line of Credit” was originally published on MoneySense on August 4, 2015. Nancy received an inheritance, took out a line of credit and has spent almost all of it. Now she’s not sure what to do. Q: I inherited a house three years ago. I thought…
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Buying U.S. Stocks With a Weak Canadian Dollar
The article “Buying U.S. Stocks With a Weak Canadian Dollar” was originally published on MoneySense on July 28, 2015. A well diversified portfolio demands U.S. stocks, even with a lowly loonie Q: I wonder what you think of buying U.S. stocks? “Top Picks” usually names several stocks traded on the NYSE…
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Moving Overseas for Work? Prepare to Complicate Your Finances.
The article “Moving Overseas for Work? Prepare to Complicate Your Finances.” was originally published on The Financial Post on July 24, 2015. Financial planning can be challenging for average Canadians, but is that much more complex for Canadian expatriates, who are often tasked with managing Canadian investments, pensions, real estate and taxes…
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What To Do With a Windfall
The article “What To Do With a Windfall” was originally published on MoneySense on July 21, 2015. One of the best things you can do with a sudden influx of cash is nothing, at first Q: I am getting a small windfall soon. The money would pay off the rest of…
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Am I Saving Enough for Retirement?
The article “Am I Saving Enough for Retirement?” was originally published on MoneySense on July 14, 2015. How to find the answer using a reasonable set of assumptions Q: I have $160,000 in my RRSP. I am 58 years old and would like to retire at age 70. I am currently making…
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Why Ontario’s Financial Advice Industry is Fraught With More Issues Than Insiders Are Willing to Admit
The article “Why Ontario’s Financial Advice Industry is Fraught With More Issues Than Insiders Are Willing to Admit” was originally published on The Financial Post on July 10, 2015. It has been almost two years since Ontario first raised the prospect of regulating the financial planning industry. Now all the anticipation is…
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So You’ve Inherited Real Estate
The article “So You’ve Inherited Real Estate” was originally published on MoneySense on July 7, 2015. Capital gains and other implications to consider Q: I have just inherited a home with my brother and sister valued at about $450,000. I was thinking of buying them out and selling the home in…
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