Objective Financial Partners Inc.

09/02/2026

Ever wonder where your money really goes each month? A spending audit can help you find out.

In this video, Thuy Lam, CFP® at Objective Financial Partners Inc., walks through three simple steps to review your spending and see whether it truly reflects your priorities. By looking at your last 30 days of transactions, grouping your spending into categories, and adding up the totals, you may uncover forgotten subscriptions, impulse purchases, or other expenses that are quietly adding up.

A spending audit isn’t about guilt. It’s about awareness. Understanding where your money goes can help you make more intentional decisions and free up cash for the things that matter most to you.

08/30/2026

Should you incorporate to avoid CPP contributions?
It's a common question, but the answer depends on much more than CPP.

Jason Heath covers the trade-offs in MoneySense, along with other important considerations business owners should keep in mind when deciding whether incorporation makes sense.

https://zurl.co/kmzTm

Incorporating can eliminate the need to pay CPP contributions if you are self-employed but there are trade-offs that should be considered.

08/29/2026

Many Canadians spend decades building up their RRSPs—but few stop to ask an important question:

Can your RRSP become too big? 🤔

It might sound like a good problem to have, but without a withdrawal strategy, a large RRSP can lead to:
• Higher tax bills in retirement
• Old Age Security (OAS) clawbacks
• Larger mandatory withdrawals than you actually need

The good news? With proactive tax planning, you may be able to reduce the tax impact before mandatory withdrawals begin.

▶️ In this video, Nancy Grouni, CFP, PFP at Objective Financial Partners Inc. explains why your 50s and 60s can be the ideal time to develop a tax-efficient withdrawal strategy and why waiting until age 72 could cost you.

https://zurl.co/NWxyc

Many Canadians spend decades building up their RRSPs — but few stop...

08/28/2026

Do you feel guilty spending money on yourself, even when you know you can afford to?

Brenda Hiscock, CFP®, shares the story of a retired couple who were in a strong financial position but still struggled to give themselves permission to spend and enjoy their money.

Financial planning isn’t always about finding ways to save more. Sometimes, it’s about understanding what you can comfortably spend and having the confidence to enjoy the life you’ve worked hard to build.

08/28/2026

Pourquoi Partenaires financiers objectifs a-t-il choisi un modèle de planification financière indépendante?

Dans cet article, nous expliquons pourquoi nous avons fait ce choix et ce qu'il signifie concrètement dans notre pratique.

👉 En savoir plus : https://zurl.co/InaYM

Découvrez comment un planificateur financier indépendant au Québec aide les familles, les professionnels incorporés et les entrepreneurs à prendre de meilleures décisions grâce à des conseils objectifs et une approche à honoraires.

08/27/2026

Housing affordability continues to be a major concern for Canadians. A recent survey shows that more than half of respondents who do not currently own a home say they do not plan to buy in the coming year.

Jason Heath, Advice-Only CFP shared his perspective in the article, noting that rising costs are putting additional pressure on renters and saver.

Read the full piece here: https://zurl.co/VyaRl

A majority of people who aren’t already homeowners have no plans to buy a house within the next year, according to a recent survey.

08/26/2026

What happens when a major financial decision continues to have implications long after a relationship ends?

Andrew Dobson, advice-only CFP at Objective Financial Partners Inc. shares his perspective in the Financial Post on the financial considerations of buying property with an ex-spouse.

Worth a read for anyone navigating separation, divorce, or shared financial commitments.

https://zurl.co/V9IRA

FP Answers: If co-mingling assets after separation or divorce it is essential to put a clear co-ownership agreement in place. Read on

08/19/2026

Did the 2020 CRA data breach affect you?

Six years later, claims are now open for the class-action settlement.

If you had a CRA or My Service Canada account at the time, it’s worth checking to see if you’re eligible.

Jason Heath explains who may qualify and how to make a claim in his latest article for MoneySense:

https://zurl.co/PYgfh

Many Canadians are entitled to compensation from a 2020 CRA class action settlement. Here is what you need to know.

08/18/2026

What happens when a disability annuity runs out at 65?

Andrew Dobson, advice-only CFP at Objective Financial Partners Inc. answers a reader's question in the Financial Post — covering RDSP grants, why TFSA beats RRSP here, and how CPP, OAS and GIS fit together once retirement benefits kick in.

👉 Read it here: https://zurl.co/tPwQq

FP Answers: Edmontonian fears being cash strapped with only $10,000 saved for emergencies and no money invested. Read on to find out more.

08/17/2026

A $5 million farm doesn't mean you can afford to retire.

Farm wealth is often tied up in land, equipment, and the operation itself — but retirement isn't funded by net worth, it's funded by income. And when the next generation is involved, retirement planning and succession planning become the same conversation.

We look at what it takes to get there in our latest blog.

Read more: https://zurl.co/EA8sx