Objective Financial Partners Blog
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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…
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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…
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Why Choose a Specialized Financial Professional to Get You Through Your Separation
Photo by Freepik Are you feeling overwhelmed by the financial complexities of your separation? A separation is one of the most stressful and emotionally taxing experiences a person can face. There are so many moving parts, from legal proceedings and asset division to figuring out child arrangements and navigating your…
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2024 tax-filing extensions: What you need to know
The article “2024 tax-filing extensions: What you need to know” was originally published in MoneySense on April 14, 2025. Photo by wayhomestudio on Freepik. There are several personal, trust and corporate income-tax-filing extensions for Canadians this year. Which ones apply to you Canadian personal T1 tax returns are generally due by…
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Jason Heath: What the federal election platforms could mean for your pocketbook
The article “Jason Heath: What the federal election platforms could mean for your pocketbook” was originally published in the Financial Post on April 14, 2025. Photo by TravelScape on Freepik. For this election, perhaps more than any other in recent memory, finances are top of mind for many Canadian voters…
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How often should you update your financial plan?
The article “How often should you update your financial plan?” was originally published in Financial Post November 22, 2024, by Jason Heath. Photo by mindandi on Freepik A plan is never final. Family and financial contexts evolve, and tax rules, markets and interest rates fluctuate. Financial planning is a process that…
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2024 Federal Budget Amendments that Impact CPP Benefits
The 2024 federal budget has introduced several changes to the Canada Pension Plan (CPP) benefits that affects the Death Benefit, Disabled Contributor’s Child Benefit, and Survivor’s Pension. These amendments increase support to families and individuals impacted by the death or disability of a CPP contributor. It’s worth noting that these…
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FP Answers: Should I pay myself dividends from my company to avoid CPP premiums?
The article “FP Answers: Should I pay myself dividends from my company to avoid CPP premiums?” was originally published in Financial Post on May 17, 2024. By Julie Cazzin with Andrew Dobson. Photo by by jittawit21. Passing on the premiums might save money today but cost you retirement income in the…
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Why your retirement may be different than you expected
The article “Why your retirement may be different than you expected” was originally published in Financial Post May 6, 2024, by Jason Heath. Photo by Marcus Aurelius from Pexels. Jason Heath: There is no surefire formula for planning for retirement, so expect the unexpected Most discussions around retirement focus on how much…
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How much is capital gains tax in Canada?—and other reader questions answered
The article “How much is capital gains tax in Canada?—and other reader questions answered” was originally published in MoneySense on May 6, 2024. Photo by designer491 from Getty Images. Last month’s federal budget introduced changes to capital gains tax in Canada. This has raised many questions about who is impacted…
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Should you max out your RRSP before converting it to a RRIF?
The article “Should you max out your RRSP before converting it to a RRIF?” was originally published in MoneySense on April 29, 2024. Photo by designer491 from Getty Images. Here’s what to consider before converting an RRSP to a RRIF. Ask MoneySense My husband and I retired last September. We…
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Should I delay my CPP if I’m not contributing to it?
The article “Should I delay my CPP if I’m not contributing to it?” was originally published in MoneySense on April 22, 2024. Photo by TonyIaniro from Getty Images. You can still benefit from deferring Canada Pension Plan payments with less than maximum contributions. Ask MoneySense Do all the advice…
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