Jason Heath
CFP
Managing Director
Jason has been providing fee-only, advice-only financial planning since 2002 and is one of Canada’s best-known fee-for-service financial planners. He is a personal finance columnist for the Financial Post, MoneySense, and Canadian MoneySaver, and is a frequent media source for unbiased and objective financial planning commentary.
Jason graduated with a Bachelor of Economics degree from York University in Toronto. He also holds the Certified Financial Planner (CFP) designation. In addition, Jason has completed numerous financial, tax, and estate planning specialty courses from a variety of organizations.
Jason has a particular interest in working with clients with complex planning issues, including high-net-worth executives and retirees, incorporated business owners, and Canadian expats in other countries. His focus is primarily on retirement accumulation and decumulation, tax strategy, and estate planning.
He has three children and lives with his wife in Pickering, Ontario.
Nancy Grouni
CFP, PFP
Certified Financial Planner
Nancy brings over 30 years of senior‑level expertise to the financial planning profession. She had a 20-year career as an investment and insurance advisor with two major wealth management firms, where she built and presented comprehensive financial plans and investment portfolio reviews. For the past decade, she has worked exclusively as a fee-only financial planner, focusing on serving incorporated business owners and professionals. Her extensive background and client-focused approach enable her to deliver clear, strategic, and highly personalized planning advice.
She specializes in financial, tax, and estate planning for incorporated business owners and professionals, sole proprietors considering incorporation, and retirees with investment holding companies.
As a Certified Financial Planner (CFP) and financial quarterback, Nancy helps clients navigate key areas each year, in collaboration with their Tax Accountant, Portfolio Manager, or Insurance Advisor as applicable:
- Timing CPP/OAS and RRSP/RRIF withdrawals
- Capital gains tax planning (regarding both personal and corporate assets) – the goal is to mitigate tax over a client’s lifetime
- Corporate compensation planning (salary/dividends/amount), based on needs and tax efficiency
- Optimization of corporation’s cash flow and notional accounts (ERDTOH, NERDTOH, GRIP, and CDA)
- Optimization of personal cash flow – which accounts to contribute to and when / RRSP / TFSA / FHSA / RESP planning
- Tax-efficient decumulation approach
- Lifetime capital gains exemption planning related to the share sale of a CCPC (Canadian-controlled private corporation)
- Life plan roadmap to determine sustainable spending, retirement target date, affordable home upsize amount, second property purchase, etc.
- Provides a second opinion regarding the client’s investment portfolio (whether DIY or not), to ensure ongoing alignment with their current planning needs
Nancy has been interviewed and contributed to a variety of publications and financial websites such as the Globe & Mail, Yahoo! Canada Finance, Financial Post, CreditCards.ca, CreditCards.com, Financial Pipeline, Canadian Family Offices, and RetireHappy.ca.
Nancy and her husband have two children, one of whom is married. She is an active volunteer in her community, enjoying travel and entertaining in her spare time. Nancy and her daughter also enjoy a shared passion for figure skating.
Brenda Hiscock
CFP
Certified Financial Planner
Brenda has been working at Objective Financial Partners for almost 10 years and has worked for over 25 years in the financial services industry. She as extensive experience with retirement planning and working with expatriate Canadians and US citizens living in Canada, moving abroad or returning to Canada.
In the past she has held various roles including a bank branch manager and a part time college professor where she taught students about investment products, strategies and principles. Brenda also taught the Life Insurance Licensing program at Business Career College and was a Director of Business Development at Freedom 55 Financial.
Whether she is explaining a financial concept to one person or to a room of 100, Brenda’s approach to personal finance is that of education. After all, it is much easier to follow advice when you understand it.
She is a Certified Financial Planner (CFP) and also holds a Registered Health Underwriter (RHU) designation with specialized knowledge in living benefits such as disability, critical illness and long-term care insurance.
Brenda has been interviewed and featured in articles in publications such as the Globe and Mail and Advisor.ca. She has also been a guest on various financial podcasts and enjoys public speaking.
In her spare time, Brenda practices yoga and will often be found outdoors in nature where she can enjoy her passion for cycling, hiking and running. She is an avid traveller and is always planning her next adventure.
Andrew Dobson
CFP, CIM, PFP, FCSI
Certified Financial Planner
Andrew has been providing financial advice for individuals, families, and corporations for over 15 years, having worked in traditional financial services for over a decade before moving into professional advice services. He has extensive experience in banking, lending, investment, and advanced financial planning.
During Andrew’s employment at Objective Financial Partners he has worked and continues to work with clients that fall into many different categories. He appreciates the flexibility that working as an advice-only planner affords. Working with clients from all walks of life and financial complexities keeps his work interesting and challenging. For example, Andrew works with students, couples, incorporated individuals, new Canadians, U.S. dual citizens and has resources on the team and externally to best serve the needs and nuances of various client considerations that come with this diversity.
Prior to joining Objective Financial Partners in 2021, Andrew had worked as a Senior Financial Planner for BDO Canada LLP’s Wealth Advisory Services team where he gained extensive knowledge of tax and estate planning.
Andrew has a Specialist Degree (B.A., Hons.) in History from the University of Toronto and his industry related education includes active standing of the Certified Financial Planner (CFP), and Chartered Investment Manager (CIM) designations.
Andrew has also volunteered and provided consultant work for the Canadian Securities Institute as a Subject Matter Expert since 2015. In addition to his consultancy work, Andrew also writes on a regular basis for the FP Answers column in the Financial Post.
As part of his ongoing commitment to education, Andrew continues to volunteer as a classroom facilitator for Junior Achievement on an annual basis delivering their personal finance curriculum to school age students.
Andrew is married with two young children and lives in London, Ont. They enjoy spending as much time as they can outdoors which includes lots of hiking, forest walks, cycling, swimming, and paddleboarding on Lake Huron. Outside of spending time with his family, he spends a large part of his free time enjoying deep personal “discog” dives into music across multiple genres. Andrew also has expert knowledge of vintage football kits, having been involved in the collecting culture for several years.
Hannah McVean
CFP, CIM
Certified Financial Planner
Hannah is a Certified Financial Planner (CFP) and Chartered Investment Manager (CIM®) who specializes in comprehensive, tax-integrated financial planning. She has a particular passion for tax and retirement strategies and often prepares her clients’ tax returns to ensure a seamless integration with their financial plan.
What sets Hannah apart is her enthusiasm for making financial concepts come alive. She thrives on helping clients understand the why behind the numbers—connecting the technical details to real-life decisions in a way that builds clarity and confidence.
Her CIM designation supports her work with a wide range of investors, from hands-on DIYers seeking a second opinion to those looking for guidance in selecting a portfolio manager. Her background has also included training in budgeting and the emotional side of money, resulting in an approach that’s collaborative, educational, and judgment-free.
When she’s not talking taxes, cash flow, and retirement strategy, Hannah can usually be found mountain biking, roller skating, or getting lost in a fantasy novel.
Thuy (Twee) Lam
CFP
Certified Financial Planner, Money Coach
Thuy (Twee) Lam is an empathetic Certified Financial Planner (CFP) with 20 years of financial planning, wealth management, and business consulting experience.
She enjoys working with clients who value financial advice conveyed in an easy-to-understand fashion, and especially those looking for help with cash flow planning while going through a life change: retirement, divorce, losing a loved one or caring for aging parents.
She has an Hon. BA, Economics & Sociology from University of Toronto. Her educational and professional experience helps Thuy deliver tangible money and financial advice in a way that truly empowers her clients.
Thuy has an insane passion for yummy eats. In her spare time, she enjoys personal growth, hiking, kayaking, exploring new places and spending time with family and friends.
Jason Maule
CFP
Certified Financial Planner
Jason is a seasoned Certified Financial Planner (CFP) with extensive experience across the financial services industry, including banking, wealth management, insurance, and comprehensive financial planning. With a strong understanding of the interconnected nature of financial goals and tax strategy, Jason helps clients build practical and integrated plans tailored to their unique circumstances.
His work focuses on supporting business owners, incorporated professionals, and families as they navigate the complexities of financial planning, with an emphasis on proactive tax planning, long-term strategy, and clarity around both business and personal objectives. In addition to his planning work, Jason also prepares personal T1 tax returns for clients as part of his hands‑on approach to simplifying their financial lives. His style is rooted in thoughtful analysis and clear communication, empowering clients to make confident, informed decisions about their financial future.
Jason graduated Magna Cum Laude on the Dean’s Honour List with a Bachelor of Business Administration in Marketing and Management from Northwood University in Michigan. He lives in London, Ontario with his wife and children, balancing his professional work with family life and community involvement.
Ryan Kurtz
CFP, CPA
Certified Financial Planner, Chartered Professional Accountant
Ryan has a strong tax and financial planning background as a Chartered Professional Accountant (CPA) and a Certified Financial Planner (CFP). He studied at Lethbridge College, where he obtained a Diploma in Accounting, as well as the University of Lethbridge, where he obtained a Bachelor’s Degree in Accounting.
Ryan specializes in advising business owners and incorporated owner-managers on financial planning and accounting matters.
Ryan is a volunteer with the Canadian Ski Patrol, demonstrating his dedication to community service and safety. He has served on the board as Treasurer, managing financial responsibilities for the non-profit organization.
Residing in Lethbridge, Alberta, with his wife and three children, Ryan leads a balanced life, indulging in his passion for outdoor activities and community involvement. In his spare time, he can be found biking or skiing with the family, or spending time in the woodshop.
Anna Golan-Reznick
CFP, CRPC (US)
Certified Financial Planner, Chartered Retirement Planning Counselor
Anna Golan-Reznick is a Certified Financial Planner (CFP) with over 20 years of experience in the financial industry. She combines deep expertise in financial planning with a complementary educational background in psychology. Before transitioning to advice-only financial planning, she worked in the wealth management industry in various roles with a big 5 Canadian bank.
Anna earned her Bachelor of Arts in Psychology and has acquired multiple certifications from the Canadian Securities Institute and FP Canada, including the Advanced Certificate in 3H Financial Planning focused in the areas of Holistic Financial Planning, Human Behaviour, and Honesty and Ethics (3H). She is also a Chartered Retirement Planning Counselor (CRPC) in the US, which helps with her cross-border expertise.
Anna specializes in comprehensive financial planning and retirement strategies, particularly for Canadian expatriates. She is passionate about working with clients who are considering relocating or retiring overseas. This passion comes from Anna’s own experience. She currently lives in Costa Rica with her husband and teenage daughter, where she works as a digital nomad with clients in Canada and abroad.
As a nature lover, she enjoys traveling to warm destinations with her loved ones. In her free time, Anna loves biking in parks with her daughter and taking walks with her dog. She is committed to maintaining a balanced lifestyle while continuously pursuing personal and professional growth.
Jeff McCartney
CFP, MBA
Certified Financial Planner
Jeff is an experienced Certified Financial Planner (CFP) with a background in investments, tax, and financial planning.
Jeff has a Master of Business Administration (MBA) degree from Carleton University’s Sprott School of Business. He also holds a Chartered Financial Divorce Specialist (CFDS) designation. His comprehensive training includes several advanced qualifications from the Canadian Securities Institute, which equip him to offer a broad range of financial planning services.
Jeff has a passion for teaching and preparing young financial planners for their CFP certification exams as a sessional professor at Seneca Polytechnic. He also teaches at York University’s Schulich School of Business. His approach to working with clients is the same – educational and empowering. Jeff has also engaged in content development for prominent industry education providers such as Moody’s and Advocis. He also delivers frequent financial education webinars for employee and professional groups across the country.
Outside of his professional life, Jeff enjoys spending time at his cottage with his wife Sarah and their two sons, Jack and Robert. He also has a passion for singing, playing guitar, fishing, and golfing.
Guillaume Dumais
M.Fisc., LL.D., Adm.A., Pl. Fin., TEP
Financial Planning Professional (F. Pl. - Québec), Master of Taxation (MTax)
Guillaume is fully bilingual (English/French) and registered as a financial planner (F.Pl.) with the Autorité des marchés financiers du Québec (AMF). He is also a tax professional with deep expertise in taxation, estate and trust planning, and integrated wealth planning for individuals and business owners. He works closely with clients to develop clear, practical strategies that address complex financial issues while remaining grounded in real-world implementation.
Guillaume holds a master’s degree in taxation (Master of Fiscal Sciences). He is also a Chartered Administrator and a Trust and Estate Practitioner, reflecting advanced training in governance, fiduciary matters, and intergenerational planning. In addition, he has completed advanced postgraduate studies in taxation and holds specialized credentials in legal and regulatory financial planning.
He began his career in the investment industry, gaining a strong foundation in financial products and regulatory frameworks. Today, his practice is advice-driven, with a focus on tax optimization, estate planning, business structuring, and long-term wealth preservation.
Guillaume is known for his ability to translate technically complex tax and legal concepts into straightforward, actionable advice. His planning approach is highly customized, recognizing that effective financial decisions must align with each client’s personal goals, family dynamics, and broader financial picture.
Guillaume lives in Montréal with his husband and is actively involved in Québec’s financial planning and professional advisory community as an Ambassador for the Institut de planification financière.
Roger Massicotte
Pl. Fin., FEA
Financial Planning Professional (F. Pl. - Québec)
Roger is a fully bilingual (English/French) Québec-based financial planning professional with extensive experience helping individuals and families make informed financial decisions. He specializes in integrated financial planning, retirement strategies, wealth management, and financial education, with a focus on translating complex concepts into clear, actionable advice.
Roger is registered as a financial planner (F.Pl.) with the Autorité des marchés financiers du Québec (AMF). He also holds the title of Family Enterprise Advisor (FEA), which allows him to assist business owners with strategic transitions, particularly in the areas of estate planning, business sales, and intergenerational wealth transfer.
Before joining Objective Financial Partners, Roger founded Ma Vie – Mes Finances, a Montréal-based consulting firm specializing in objective financial planning. He continues to draw on this experience to help clients gain clarity and confidence in their financial lives.
In addition to his client work, Roger delivers frequent financial education webinars for both clients and the broader community. He is known for his approachable style and ability for making planning practical, actionable, and tailored to each client’s goals.
Roger lives in the Greater Montréal area with his wife and is actively involved in Québec’s financial planning community.
Ethan Grouni
Financial Planning Assistant
Ethan is a financial planning assistant. You could say financial planning runs in the family; his mother, Nancy, has worked at Objective Financial Partners for over 10 years.
He is currently studying at Seneca Polytechnic Institute, enrolled in their Bachelor of Business Administration (BBA) program, and working towards his Certified Financial Planner (CFP) designation.
Ethan has a passion for the finance industry, especially all things related to investment planning. He is a firm believer that starting early reaps long term rewards and looks forward to empowering other young people to take control of their financial lives to navigate the challenging landscape of the financial industry.
In his spare time, you might find Ethan on the golf course or participating in volleyball or hockey tournaments. He also enjoys working with his hands and sharpening his carpentry skills.
Maria Tanel
P1 Paralegal
Maria Tanel is a caring and experienced estate professional, P1 paralegal licensed by the Law Society of Ontario, notary public, and commissioner of oaths.
She has over 25 years of experience working with executors to manage their estate administration matters. She has been an active volunteer, acting as a group facilitator for over 10 years with Catholic Community Services of York Region.
Patricia Greco
CFDS, CPA, CA
Chartered Financial Divorce Specialist, Chartered Professional Accountant
Patricia brings over 30 years of experience as a Chartered Professional Accountant and more than seven years as a Chartered Financial Divorce Specialist. She specializes in guiding individuals through the financial complexities of separation and divorce, offering strategic, cost-effective solutions that reduce stress and support informed decision-making.
With additional training in Mediation and Collaborative Practice, Patricia is committed to helping clients navigate one of life’s most difficult transitions with clarity and confidence. Her mission is deeply personal—shaped by her own experience with Ontario’s court system—which inspired her to helping clients with financial divorce support.
Patricia takes a personalized approach, ensuring every client receives guidance tailored to their unique circumstances and long-term goals.
Beyond her professional work, Patricia is actively involved in her community. She has served as Treasurer and Chair of the Finance Committee for a local not-for-profit, earning an Outstanding Volunteer Achievement Award. She currently serves as a Board Member of Collaborative Practice Durham Region. Patricia lives in Uxbridge, Ontario, and enjoys spending quality time with her children.
Larry Tomlin
MBA, FCPA, CIM, C.Dir
Senior Advisor
Larry is a highly experienced accountant and trusted advisor who has served professionals, family-owned businesses, and independent Canadian entrepreneurs for over 40 years. He has advised hundreds of families during his career and is known for his diligence, attention to detail, and thoughtful, client-focused approach to tax and accounting matters.
Larry has founded and grown sold several successful accounting practices. Along the way, he developed a deep interest in professional governance and standards, serving three terms on the CMA Board of Governors and chairing or serving on multiple committees responsible for the supervision of accounting practices. In recognition of this service, he has been named as a Fellow of CPA Ontario.
He holds an MBA from the Ivey Business School and has earned numerous professional designations in fields including corporate governance and investment management .
Larry is pleased to be part of the growing team at Objective Tax & Accounting Inc. He lives in Toronto with his wife and has two adult children.
Kevin Empey
Senior Tax Accountant
Kevin is an experienced accountant with more than 14 years of personal and corporate tax experience. He began his career with a national accounting firm in Winnipeg before transferring to Saskatchewan, and has spent the past decade helping individuals, trusts, small business owners, and farmers on a wide range of tax and accounting matters.
Kevin specializes in tax prep and planning and takes pride in helping clients identify opportunities to reduce tax. In addition to his professional career, he brings firsthand entrepreneurial experience as the former owner of an oilfield service company operating in both Saskatchewan and Alberta, giving him valuable insight into the challenges and opportunities facing business owners.
Kevin lives in Saskatchewan with his wife and four children. Outside of work, he enjoys coaching his kids’ sports teams, playing basketball and golf, taking ski trips to the mountains, and spending time at the lake fishing and swimming.
Marcos Heringer
Senior Tax Accountant
Marcos is a seasoned accounting professional with more than 20 years of experience delivering comprehensive financial and tax services. His expertise spans full-cycle accounting, payroll, and corporate and personal tax compliance, supporting clients in public service, a wide range of small businesses, and diverse individual circumstances.
Known for his analytical, detail-oriented, and client-focused approach, Marcos combines strong technical expertise with clear, practical communication. He also brings extensive experience in tax planning and advisory services, helping clients make informed, strategic financial decisions. Marcos holds a Business Accounting education.
Based in Windsor, Ontario, Marcos lives with his wife and is a proud father of a police officer and a registered nurse.
Paul McVean
BAccS, CPA, CGA, CFP, TEP
Senior Tax Accountant
Paul works with a wide range of clients, but specializes in providing sophisticated advice to incorporated owner/managers with respect to corporate structuring, compensation strategies, sale and succession planning, estate freezes, and estate planning.
He began his tax career over 25 years ago at one of the big four accounting firms, where he was involved in public accounting, tax planning, and compliance. Paul has also worked in wealth management at one of Canada’s largest independent wealth management firms as Regional Vice President, Wealth Planning, as well as two fee-only financial planning firms providing complex financial, tax, and estate planning solutions.
He holds a Bachelor of Accounting Science degree and has also earned the Chartered Professional Accountant (CPA, CGA), Certified Financial Planner (CFP), and Trust and Estate Practitioner (TEP) designations, and also is a Fellow of the Association of Chartered Certified Accountants (FCCA), a U.K. based professional body.
Anita Pelletier
Senior Bookkeeper
With extensive experience spanning over two decades, Anita is a highly accomplished accounting professional with expertise in full cycle accounting and the preparation of month-end and year-end financial statements. Her career spans multiple industries, reflecting her adaptability and meticulous attention to detail. She has a proven track record of cultivating lasting relationships with coworkers, clients, and vendors, thanks to her strong communication skills and action-oriented approach.
Anita began her academic pursuits in Calgary attending S.A.I.T. for their two-year accounting program, while working for a major oil company in their accounting department.
Based in Calgary, Alberta, Anita & her husband enjoy biking in the mountains, gardening, and spending time with their dogs.
Theresa Simpatico
Operations Manager
Theresa is a multidisciplinary operations leader with experience in accounting, sales, and marketing. She is known for turning complexity into clear action, building trust, engaging teams, and getting things done by aligning people, process, and technology with open, inclusive collaboration.
As Operations Manager, Theresa focuses on workflow design, process improvement, technology and data integrity, security, and client experience execution. Experience in residential real estate adds a strong client perspective to her operational approach. She connects strategy to day-to-day delivery, coordinating people and systems so work moves smoothly and on time.
Outside the office, Theresa loves walking her dog and traveling, and she enjoys reading and exploring local trails. When she has time, she volunteers helping reunite lost animals with their families. A mother of older teens, Theresa previously served as an active school volunteer for many years and brings the same care and accountability to everything she does.
Ramona Donaldson
Communications Manager
Ramona is a Swiss Canadian prairie farm girl living in Winnipeg with her husband, two daughters, and two cats.
She spent 16 years at the University of Manitoba—starting out as an academic advisor and more recently as an advising and communications lead. She loves bringing people together through clear, thoughtful communication.
Her ideal weekend starts with a good cup of coffee and a croissant.
Michelle Walden
Tax & Accounting Practice Administrator
With over 15 years of experience managing client relationships, Michelle brings a customer service focused approach to client care in the accounting and tax space. Under the mentorship of an FCPA, she has gained hands-on experience supporting clients within a professional services environment, with an emphasis on clear communication and responsiveness.
As a client services professional, Michelle works closely with both clients and internal teams to ensure a smooth, positive experience for everyone. She is known for her attention to detail and her ability to build trusted, long-term relationships.
Michelle holds an honours degree in graphic design from YSDN, the joint York University and Sheridan College program. A lifelong learner, she is passionate about sharing knowledge and has experience teaching chess, robotics, 3D printing, and programming to young learners, as well as guiding adults in basic electronics, business ownership, and navigating the ever-evolving world of technology.
Michelle resides in Toronto with her partner, Adam, and their cat, Bruce Willis.
Natasha Rose
Client & Team Support Specialist
Natasha received her BA at the University of Toronto. She has worked in the wealth management industry for more than 15 years. She has the tools to help ensure successful communication and delivery of expectations for each client and has a keen understanding for client care and support.
Natasha lives in Richmond Hill with her husband and 2 children. She is passionate about baking and Latin dancing.
Charlotte Cosburn
Client & Team Support Specialist
Charlotte received her BA from Sheffield Hallam University in the United Kingdom. She has extensive experience in administration and customer service, enabling her to manage administrative and client relation duties with ease. She has worked in a variety of industries including commercial real estate and property management.
Charlotte lives in Whitby with her husband and two children. She has a passion for hiking and nature, and she enjoys cooking and spending time with loved ones.
Melanie Reska
Operations & Administrative Support
Melanie brings extensive administrative and operational experience gained through her work in the municipal, private, and legal sectors. She holds a Bachelor of Business Administration, a Diploma in Municipal Administration, and a Law Clerk Diploma, and she is continually driven to expand her knowledge and skills.
She lives in Aylmer, Ontario with her partner and their blended family. Melanie loves spending time with her loved ones and cheering them on in all of their activities.
Her analysis was thorough and well-structured. The final report was detailed, clear, and easy to follow, with actionable recommendations that we could implement ourselves. We especially appreciated that she operates on an advice-only model and does not sell financial products, which made the process feel objective and aligned with our interests.
Overall, Anna delivered excellent value. We left the engagement with greater clarity, confidence, and a concrete plan for moving forward. I would not hesitate to recommend her to anyone seeking thoughtful, unbiased financial planning.
We highly recommend Nancy and her team and are so happy we decided to put our trust in her!
Modeling a financial plan many years into the future is complicated, so it was invaluable to have an expert with her specific skill set. From our initial discovery call, she was inquisitive, thoughtful, and personable, taking the time to understand our unique situation.
Within a few weeks, she delivered a detailed and tailored plan with various scenarios and clear, actionable recommendations. We now feel confident and equipped to implement the plan and follow through on our goals. Hannah is a talented and amazing planner, and we would highly recommend her expertise to anyone seeking financial clarity.
I received a very comprehensive plan (I am DIY so I have continued access to my plan which allows me to stress test it by creating various scenarios), as well as a thorough analysis of our situation. The plan provides details on how, from where and when to create income in retirement. This level of detail and efficiency will more than offset the fees (which are inline with what I was expecting)
The continued communication is great (small questions happily answered via email) and when I did feel I wanted to make a subsequent meeting for more complicated questions, the advice I received has encouraged me to make changes that are already improving my financial outlook.
Thank you so much for the service thus far!
Ross
She asked thorough and rigourous questions in getting an understanding of our goals and was patient in answering our own numerous questions. She gave objective points-of-view, always referring back to data, both recent and historical. This data-driven approach, combined with direct experience and a client-centric manner got us to a great place - a sound plan we have the greatest confidence in.
Our only regret is not engaging Brenda sooner. We highly recommend her.
