At Objective Financial Partners, we help Canadians make informed financial decisions delivered through an advice-only financial planning model. As our client base has grown across Canada, we have recognized the importance of providing planning advice tailored to the unique rules and financial realities of Québec.
To serve Québec residents, clients can work with our affiliated Québec firm, Partenaires financiers objectifs, which provides fee-only, advice-only financial planning services tailored to Québec legislation and financial planning considerations.
Financial Planning for Québec Residents
Québec has financial planning considerations that differ from the rest of Canada, including:
For these reasons, Québec residents often benefit from advice that reflects provincial legislation and local planning opportunities.
In Québec, individuals using the title Planificateur financier (Pl. Fin.) must meet specific education requirements and be authorized by the Autorité des marchés financiers (AMF). This ensures financial planning advice is tailored to Québec legislation and financial planning considerations.
Advice-Only Financial Planning
Like Objective Financial Partners, Partenaires financiers objectifs follows an advice-only approach to financial planning. This means clients receive professional recommendations without investment product sales, commissions, or asset-management requirements.
Planning engagements may include:
Expertise in Retirement and Tax Planning
Retirement planning is about more than investment returns. Decisions about RRSP withdrawals, RRQ timing, pension income splitting, OAS recovery tax exposure, and tax-efficient income strategies can significantly affect long-term outcomes.
Québec residents may also face unique provincial tax considerations that can influence retirement income decisions and long-term financial outcomes.
Partenaires financiers objectifs helps clients evaluate these decisions using comprehensive financial planning and cash flow modelling.
Planning in French for Québec Families
Partenaires financiers objectifs provides financial planning services in French for Québec residents and French-speaking Canadians.
Its planning process reflects the financial, tax, and retirement issues most relevant to Québec households, professionals, business owners, and retirees.
Financial planners at Partenaires financiers objectifs help clients navigate Québec-specific planning considerations while maintaining the same advice-only philosophy that guides Objective Financial Partners.
Learn More
If you're looking for a fee-only financial planner in Québec, we've got you covered.