Objective Financial Partners Blog
Find our most talked about topics below.
Read, learn and become involved with our blogs!
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…
Read More
Why Monthly Bookkeeping Matters More Than You Think for Incorporated Business Owners
Photo by katemangostar, Freepik Many incorporated business owners think of bookkeeping as something to deal with once a year, usually when tax season approaches. But leaving it that long can lead to missed deductions, surprises at year-end, and extra work. For incorporated businesses in Canada, keeping your books up to…
Read More
Ontario’s New Expedited Probate Process: What Executors Need to Know
Ontario has been modernizing its probate system over the past few years, and the latest updates are now in full effect. For executors, these changes aim to streamline and simplify the process, reduce delays, and make it faster to obtain a probate certificate so executors can settle an estate sooner.…
Read More
Pension Buyback Scenarios – How Does Buying Back Impact Your Plan?
Photo by Freepik You’re not alone if you’ve considered the pros and cons of buying back pensionable service in your defined benefit pension plan. You may be able to buy back service for years you were on parental leave, ill, taking a sabbatical, etc. Your pension plan will confirm how…
Read More
I Want to Buy Out My Spouse’s Interest in the Matrimonial Home
Photo by rawpixel.com on Freepik I am hearing this more than ever. In separation and divorce, the desire to keep the family home-especially when children are involved-is completely understandable. You want to minimize disruption and maintain stability. But then, the inevitable question from friends and family hits: “Can you even…
Read More
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…
Read More
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…
Read More
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…
Read More
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…
Read More
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…
Read More
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…
Read More
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…
Read MoreSubscribe to our newsletter
Want to stay up to date with our most recents articles?
Sign up below to receive emails whenever we have a new story!