Independent, Advice-Only Financial Planning for Business Owners
Objective Financial Partners provides fee-only, advice-only financial planning for business owners and incorporated professionals across Canada. We help clients coordinate their corporate and personal finances, including retirement planning, corporate investment strategy, salary and dividend decisions, tax reduction, and estate and succession planning.
Our financial planners work with incorporated professionals and entrepreneurs as well as retirees with holding companies. We do not sell investments or receive commissions for recommending financial products. We can also coordinate financial planning with corporate and personal tax services through Objective Tax & Accounting.
Why Business Owners Need Specialized Financial Planning
Business owners face decisions that affect both personal wealth and corporate health, such as:
- Deciding how much to retain and invest within a corporation versus withdrawing personally
- Comparing salary and dividends, including the implications for RRSP room and CPP benefits
- Coordinating corporate investments with RRSPs, TFSAs, personal savings, and debt repayment
- Developing tax efficient retirement withdrawal strategies
- Planning for business succession, a potential sale, and eventual estate taxes
These decisions are interconnected. A comprehensive financial plan considers the impact on personal retirement income, corporate and personal taxes, and long-term wealth.
Our specialized service ensures your financial plan is holistic, integrated, and actionable.
Our Services
Strategic Corporate Financial Planning
- Corporate structure and ownership reviews
- Cash flow analysis and shareholder compensation planning
- Tax planning integrated with personal goals
- Investment strategy for corporations or holding companies
- Business succession and exit planning
Our planning considers how corporate decisions affect your personal retirement income, investments, taxes, and estate, both now and in the future.
Integrated Corporate Tax & Accounting
- Corporate, personal, and trust tax return preparation
- Bookkeeping and financial reporting support
- Proactive tax strategies to reduce risk and maximize efficiency
- Coordination with your personal financial plan
This integrated approach ensures your tax planning supports, rather than conflicts with, your broader goals.
Who We Serve
We work with Canadian business owners of all sizes:
- Sole proprietors and small business owners
- Incorporated entrepreneurs and professionals
- Growth‑stage corporations
- Families with holding companies
- Remote clients across Canada
Our planning covers everything from growth and succession to retirement and exit strategies.
Business Owner Financial Planning in Québec
Business owners in Québec have unique tax, compensation, succession, and retirement planning considerations. We are registered with the Autorité des marchés financiers (AMF) as Partenaires financiers objectifs.
Our Québec financial planners (Pl. Fin.) provide fee-only, advice-only financial planning for entrepreneurs and incorporated professionals in English and French.
Why Choose Objective Financial Partners?
No product sales:
Our guidance is completely independent
Holistic planning:
Business and personal finances integrated
Experienced team:
CFP professionals and Québec financial planners (Pl. Fin.) with experience in corporate, retirement, and tax planning
Complementary accounting:
We offer tax planning and accounting services
Proven Process:
Data‑driven planning and clear actionable steps
Frequently Asked Questions
Get Started
Your business deserves an objective financial planning partner.
Book a complimentary consultation to align your business strategy with your long‑term personal and financial goals.