Objective Self-Directed Financial Plan

Starting at $2,000

We have been providing comprehensive financial planning for clients across Canada and around the world since 2012, as one of the country’s largest and most respected fee-only, advice-only financial planning firms. Our full-service offerings include extensive reviews of client documentation, multiple discovery and financial plan presentation meetings, and detailed and personalized memos. 

However, tech-savvy or cost-conscious clients should consider our Self-Directed Financial Plan.

Self-directed, do-it-yourself (DIY) investors may be prime candidates.

Even if you would never consider managing your own investments, you might be able to manage doing some of the initial heavy lifting to develop your own financial plan.​

How Does It Work?

The Objective Self-Directed Financial Plan empowers you to gather, review, and enter your own financial information to our secure, encrypted software, hosted by Amazon Web Services (AWS) in Canada and protected using two-factor authentication. The software will run detailed and personalized projections, such as projected future income, expenses, assets, liabilities, pensions, income tax, and estate value. You can then consider different decisions and scenarios and see the impact on your financial future. 

An Objective Certified Financial Planner (CFP) will then: 

• Review the data you have inputted to help fill in any gaps or clarify anything you found confusing 

• Review your plan with you during a one-on-one meeting to explain the outcomes and offer high-level strategic input moving forward

Whether you are a young millennial doing financial planning for the first time, or a baby boomer couple developing a decumulation plan for your retirement, a financial plan can help you make intentional financial choices with confidence. 

Some of the questions our Self-Directed Financial Plan can help answer include:

• Can you buy a more expensive home and stay on track financially? 

• Are you saving enough each month? 

• Can you afford to retire? 

• When should you take government pensions or RRIF withdrawals? 

• How much can you spend in retirement?

For clients seeking more comprehensive support beyond this self-directed approach and high-level commentary, we also offer our customary white-glove services that include multiple in-depth meetings, document review, personalized written recommendations, and ongoing support. 

If you are unsure which option is best for you, please contact us and we can help you decide. Check out our full range of services and fees here. 

We have included a quick comparison of our full service and self-directed packages below. 

Your Plan Will Be Continuously Supported

Should you wish to have ongoing access to make changes and updates to your Self-Directed Financial Plan as your life evolves, you can subscribe to our continuous access plan for a $20 monthly fee. 

You can also maintain an ongoing relationship with our Certified Financial Planners as well as our tax and estate team who can be there for questions, advice, and support as needed. We offer hourly and flat-fee services.

This ongoing support can be extremely valuable for DIY investors who do not otherwise have a professional to turn to for advice. Many investors with portfolio managers or other investment professionals find the advice they receive is limited to investments and overlooks retirement, tax, and estate planning. We also have an accounting practice, so we can help with your ongoing tax strategy and annual tax filing obligations. 

Objective Financial Partners has worked with thousands of satisfied clients. You can check out our hundreds of testimonials here. We are well-established and have a large team of professionals providing unbiased financial, tax, and estate planning advice for Canadians. We look forward to the opportunity to help you achieve your financial planning goals.