We Sell No Products Whatsoever

At Objective Financial, our sole purpose is providing unbiased financial, tax and estate planning advice

Retirement Planning

Retirement planning involves proactively preparing for and transitioning to retirement. It includes saving for a day when you will no longer work and determining how to maximize the accumulation and decumulation of your assets and pensions.

We provide retirement planning advice that is catered to the needs of our clients. Some people are looking to have a few high-level questions answered. Others are looking for a detailed retirement projection to model out the rest of their life, financially, and to assess different scenarios and perform stress testing. We can assist in both cases.

Types of consultation we offer

Some clients work with us once. Others work with us sporadically. Many work with us each year so that we can provide ongoing retirement planning support and accountability. If you have a few questions, we might provide a limited financial consultation. We may request some simple information ahead of time. You might provide a list of questions.

Common questions about retirement planning that we can address

  • When should I start my CPP or OAS?
  • When should I convert my RRSP to a RRIF?
  • Should I unlock my LIRA?
  • Should I withdraw more than the minimum from my RRIF?
  • Which account should I withdraw from first in retirement?


Retirement planning for all ages and stages

We can build a retirement plan that is relevant to you regardless of your age or stage. We can help answer more specific questions with a detailed retirement plan by using financial planning software.

  • How much do you need to save each year?
  • How much do you need to retire?
  • How much can you afford to spend in retirement?
  • What is the best way to draw down your assets when you retire?
  • How can I pay less tax in retirement?

When we build a plan, we start with your current net worth, and then along with you, we make assumptions about your future income, expenses, saving, debt repayment, investment returns, pensions, inheritances, home downsize, and so on.

We literally model out every year for the rest of your life, including stress testing and scenario analysis, to try to help you understand your current financial trajectory – and how best to achieve your long-term financial goals.

Unlike most financial advisors, we are fee-only, advice-only financial planners. We work with clients across Canada and Canadians in other parts of the world by Zoom. We do not sell investments or insurance, so we do not have any conflicts of interest when we give you retirement advice.

Drawing down your investments earlier in retirement, for example, while deferring your government or workplace pensions, might produce a higher retirement income or larger estate value. Traditional financial advisors may be biased to the solution that results in the most investment fees or recommend an insurance policy instead of considering other strategies to maximize your estate that we can explore with you without any inherent bias.

We are retirement experts. Many financial advisors are product experts. When it comes to planning your retirement, you can benefit from working with a retirement specialist instead of a retirement generalist.

If you are saving for retirement, we can help you set goals. If you are approaching retirement, we can evaluate your retirement readiness. If you are already retired, we can help you establish spending, gifting, and investment return targets to make sure your money outlasts you.

Contact us to learn more or book a meeting with one of our experienced Certified Financial Planners.

T. 416.691.8471
Toll Free. 1.855.691.8471


The purpose of this meeting is to understand your specific needs to determine if and how we can help. We then provide a quote for our services to be detailed in a written engagement letter that acts as our contract to you. Please note we cannot provide advice to you during this introductory meeting.

We work with many self-directed DIY investors. That said, we cannot provide investment recommendations for the purchase or sale of specific securities, nor can other fee-only/advice-only financial planners in Canada who are not licensed to manage your investments.

Please note our minimum consultation fee is $1,500 plus applicable sales tax. If you provide some information below and request it from us, we can provide a rough estimate on pricing prior to an introductory meeting.

Objective Financial Partners Inc.

675 Cochrane Drive
East Tower, 6th Floor
Markham, Ontario
L3R 0B8

T. 416.691.8471
Toll Free. 1.855.691.8471

Providing fee-only financial planning to clients in Toronto or worldwide via Zoom or Skype

Copyright © 2018 |Objective Financial Partners Inc. | All rights reserved.

We don't sell investments, so we're not going to tell you which stocks to buy and sell. However, we can build you a comprehensive and truly objective financial plan.

Please send email inquiries to info@objectivecfp.com