Objective Financial Partners Blog

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What Is In A Financial Plan?

By Jason Heath - November 22, 2016

The article “What Is In A Financial Plan?” was originally published in MoneySense on November 22, 2016. Here’s exactly what a financial plan from a fee-only planner entails Q: With a fee-only financial planner, what would I receive in a financial plan? —James A: The short answer, James, is it depends. Now,…

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What Happens To An RESP When You Die

By Jason Heath - November 15, 2016

The article “What Happens To An RESP When You Die” was originally published in MoneySense on November 15, 2015. Wayne has an RESP for a child he’s not related to. Who will the money go to? Q: I am the account subscriber for an RESP for a child to whom I…

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Can I Reset My TFSA?

By Jason Heath - November 8, 2016

The article “Can I Reset My TFSA?” was originally published on MoneySense on November 8, 2016. John has lost money in his TFSA and he wants to figure out the best way to make lemonade out of his lemons Q: I have a question on TFSAs. I have lost money on…

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Financial Planning for Seniors and their Adult Children

By Nancy Grouni - November 1, 2016

Life is full of uncertainty. Unfortunately, this can be especially true as we age. Declining health and death of a spouse are two life events common to seniors that will change their world – and sometimes overnight. A comprehensive financial and investment plan will address a number of issues that arise as…

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What Happens To A TFSA After You Die?

By Jason Heath - November 1, 2016

The article “What Happens To A TFSA After You Die?” was originally published on MoneySense on November 1, 2016. There are three things you can do to make sure your TFSA goes to who you want Q: I have topped up my TFSA to date and my wife has done the…

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Can I Retire In 6 Months?

By Jason Heath - October 25, 2016

The article “Can I Retire In 6 Months?” was originally published on MoneySense on October 25, 2016. Walter, 63, may be forced into retirement next spring. But is he ready? Q: My wife and I have been married for 14 years (my first wife passed away). Janie is not working outside…

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The Big Lesson From Nortel Networks: Pension Plans Aren’t A Guarantee

By Jason Heath - October 21, 2016

The article “The Big Lesson From Nortel Networks: Pension Plans Aren’t A Guarantee” was originally published on Financial Post on October 21, 2016. Ever since Nortel Networks first filed for bankruptcy protection in 2009, the 20,000 Canadian pensioners of the company have been waiting to see how much they will…

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Investing As Power of Attorney

By Jason Heath - October 18, 2016

The article “Investing As Power of Attorney” was originally published on MoneySense on October 18, 2016. Selling his mother’s house will leave Frank with $140,000 in proceeds. Here’s what he should do with the money. Q: This year, my 80+ year old mother had to move to a 24-hour care facility…

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Where Should I Transfer My Pension?

By Jason Heath - October 11, 2016

The article “Where Should I Transfer My Pension?” was originally published on MoneySense on October 11, 2016. Rachel has two options: a bank or an investment firm Q: I am recently out of the military and not sure where to transfer my pension. I’m considering a bank like BMO or an…

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RRSPs, DCPPs, CPP, Oh My!

By Jason Heath - October 4, 2016

The article “RRSPs, DCPPs, CPP, Oh My!” was originally published on MoneySense on October 4, 2016. Daniel has plenty of retirement options. Which should he prioritize? Q: I’m 56 and would like to retire at 60. I have a defined contribution pension plan. Would it be wise to draw RSP only…

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Four Things To Look For In A Financial Planner

By Nancy Grouni - September 29, 2016

Here are 4 points to help you identify what to look for in a Financial Planner: What to look for in a Financial Planner 1.    Look for a Certified Financial Planner (CFP®). CFP®’s are governed by the FPSC, (the governing body for Financial Planners in Canada). It is considered to be the…

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Picking Survivor and Guarantee Options

By Jason Heath - September 27, 2016

The article “Picking Survivor and Guarantee Options” was originally published on September 27, 2016 on MoneySense. Pension elections can be daunting. Here’s what to consider. Q: I am considering retiring early from a job that entitles me to a pension. There are many options available depending on single or joint life…

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