Objective Financial Partners Blog
Can I Afford to Retire? 10 Retirement Planning Questions Before Leaving Work
One of the most common questions people ask as they approach retirement is: “Can I afford to retire?” It sounds like a simple question. But in reality, it is often several questions wrapped into one. People want to make the right decisions with their pensions and investments. Most want to…
FP Canada 2026 Projection Assumption Guidelines: Inflation, Returns, and Longevity Explained
Image by dapor2560, Freepik FP Canada 2026 Projection Assumption Guidelines: Inflation, Returns, and Longevity Explained Many Canadians may not know the assumptions that go into their retirement plan. But if you have had a financial projection prepared by a Certified Financial Planner (CFP) or Québec Planificateur financier (Pl. Fin.), the…
Proactive Accounting and Tax Planning for Owner-Managers: Strategies to Maximize Growth and Retirement Wealth
Image by gpointstudio, Freepik Proactive Accounting: The Key to Business and Personal Wealth For self-employed owner-managers, accounting is far more than a compliance requirement. It is a strategic advantage. Accurate, timely financial records provide a roadmap for both business growth and personal wealth creation. When combined with proactive tax planning…
Which Provinces Have Financial Planner Title Protection in Canada?
Photo by TravelScape, Freepik Executive Summary Financial planner title protection in Canada varies by province. Québec has a strong framework for Planificateur financier (Pl. Fin.) requiring an Institut de planification financière (IPF) diploma + Autorité des marchés financiers (AMF) certificate. Ontario regulates the “Financial Planner” and “Financial Advisor” titles through…
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…
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…
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.…
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…
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…
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…
5 reasons why TFSAs aren’t always the best fit for everyone
The article “5 reasons why TFSAs aren’t always the best fit for everyone” was originally published in Financial Post June 10, 2024, by Jason Heath. Photo by by Anthony Rosenberg from Getty Images Signature. Jason Heath: They could end up costing you if you have debt or RRSP contribution…
FP Answers: Should I hold onto my capital losses until death to leave a larger inheritance?
The article “FP Answers: Should I hold onto my capital losses until death to leave a larger inheritance?” was originally published in Financial Post on June 7, 2024. By Julie Cazzin with Andrew Dobson. Photo by Tara Winstead from Pexels. Proposed capital gains tax hike later this month presents more complications…
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