Objective Financial Partners Inc.

07/18/2026

Putting an inheritance into a joint account sounds simple, but it's important to understand the income tax implications before you do.

In particular, attribution rules can affect how investment income is reported between spouses or common-law partners.

Jason Heath covers the key considerations in his Ask a Planner column for :

https://zurl.co/Lo3ni

Putting an inheritance into a joint account may seem simple, but tax and attribution rules can affect who reports the income and how couples should invest it.

07/15/2026

Many investors worry about not having enough cash on hand—but how much cash should you actually keep in your portfolio? 💰

The answer depends on factors such as your spending needs, investment objectives, and stage of life.

In Jason Heath's MoneySense article, he explains how to think about cash within the context of your overall portfolio and retirement plan.

Read more: https://zurl.co/l4MYw

The right cash allocation depends on your goals and stage of life. Here's how to think about cash in your portfolio and retirement plan.

07/14/2026

Diversification isn’t about predicting which market will win next. It’s about reducing risk and giving your portfolio exposure to opportunities wherever they arise.

If you’ve been focused only on U.S. stocks, this may change the way you think about building a long-term investment portfolio. In this latest video, Jason Heath explains why global diversification remains an essential part of a sound investment strategy.

https://zurl.co/yYlyf

Market timing sounds exciting, but it’s one of the biggest risks in...

07/13/2026

Planning a wedding? Before finalizing the venue, flowers, and guest list, it’s worth taking a close look at the budget.

In this FP Canada article, Brenda Hiscock, Advice-Only CFP at Objective Financial Partners, shares practical tips on setting a realistic wedding budget, managing expenses, and balancing wedding costs with other important financial goals.

A wedding is a celebration of a new chapter, but thoughtful financial planning can help ensure that chapter begins on solid footing.

Read the article here:

https://zurl.co/uxemy

Planning for a wedding can be exciting. But it can also be overwhelming, given the countless decisions, details, and deadlines involved.

07/09/2026

Many Canadians are finding it harder to build an emergency fund as everyday costs continue to rise. In this recent Money. ca article by Nick Borek, a more practical, modern approach to saving is put into practice.

Jason Heath, Managing Director and Advice-Only CFP at Objective Financial Partners, notes that traditional emergency fund advice doesn’t always reflect today’s financial reality: “The emergency fund is a great concept in theory. The problem, in practice, is that Canadians are either unwilling or unable to prepare financially for emergencies.”

Read the full article: https://zurl.co/0xWpP

Your emergency fund called. It wants a glow-up.

07/07/2026

How much do you really need to retire in Canada?

In this video, Jason Heath explains why there’s no magic number. What matters more than your net worth is your spending.

Are you retiring at 55 with a 40‑year runway, or at 70 with a shorter time horizon and different health considerations?

Your investment approach matters too. A conservative GIC investor will generally need more than someone invested in low‑cost stock ETFs who isn’t fazed by market volatility.

Retirement planning isn’t one‑size‑fits‑all. It’s personal.

07/06/2026

Saving for retirement? Worried you've waited too long to plan for retirement?

Jason Heath, Managing Director of Objective Financial Partners, joins Amanda Lang on Taking Stock on BNN Bloomberg to discuss the challenges Canadians face when planning for retirement.

Watch the full conversation below.

https://zurl.co/AbvNJ

Saving for retirement is harder than it used to be - and will only ...

07/02/2026

As cryptocurrency becomes increasingly mainstream, it's important for investors to understand the tax implications of holding digital assets. In this episode, Jason shares practical insights on the tax rules every Canadian crypto investor needs to know.

Whether you're a casual investor or a dedicated crypto enthusiast, this conversation provides clear, actionable guidance to help you better understand the tax implications of your crypto investments.

🎧 Listen here: https://zurl.co/gYIk2

Many thanks to Bruce Sellery and the Moolala: Money Made Simple team for inviting Jason Heath to join the show and discuss Canadian cryptocurrency tax rules.

With crypto prices swinging wildly, many Canadians are sitting on gains or losses and aren’t sure what to do next. Certified financial planner Jason Heath of Objective Financial Partners and Objective Tax and Accounting breaks down exactly how the CRA treats cryptocurrency: when profits are taxed ...

06/30/2026

Do you have enough? 🤔

Enough to retire comfortably?
Enough to help your kids with a home down payment?
Enough to step back from a stressful job?

These are the questions that keep people up at night.

In this video, advice-only CFP Jason Heath explains why the purpose of retirement planning isn’t just to arrive at a number. It’s about turning uncertainty into clarity.

It’s about making informed choices today by regularly assessing and reassessing your financial situation, so you can move forward with confidence instead of anxiety.

Because “enough” isn’t just about dollars. It’s about options.




https://zurl.co/i5Yct

Many people wonder whether they have enough to retire comfortably, ...

06/26/2026

Many Canadians understand how to contribute to registered disability savings plans (RDSPs), but far fewer understand how withdrawals work.

The rules around mandatory RDSP withdrawals can be complex, including tax implications, grant repayment requirements, and the 10‑year rule.

In his latest article for MoneySense, Jason Heath explains what beneficiaries and their families should know before taking money out of an RDSP.

https://zurl.co/SsTRB

Learn how RDSP withdrawals work, including the 10-year rule, grant repayment requirements, taxes, and mandatory withdrawals after age 60.