Objective Financial Partners Inc.

When it comes to financial advice, cost matters, but value matters more. Whether a flat fee or a 1% fee is right for you depends on the services you need and how much you want to delegate.

Read our blog comparing flat-fee financial planning and 1% investment management fees.

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Flat-Fee Financial Planning vs. a 1% Advisor Fee Compare flat-fee financial planning with a 1% investment management fee in Canada, including costs, services and which model may suit you.

Moving from the U.S. to Canada? Your U.S. investment and retirement accounts deserve attention before you cross the border.

Decisions involving IRAs, 401(k)s, Roth accounts, brokerage accounts, and other investments can have important tax and financial planning implications on both sides of the border.

In this blog post, we look at what to consider before becoming a Canadian resident.

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Moving to Canada? What to Do With Your U.S. Accounts Moving from the U.S. to Canada? Learn what to consider for your 401(k), Roth IRA, 529 plan, brokerage accounts and other U.S. investments.

How much does a financial planner cost in Canada?

There’s no standard fee. Costs can range from a few hundred dollars for a specific question to several thousand dollars for comprehensive financial planning. What matters is understanding what you’re paying for and what’s included.

In this blog post, we look at the different ways financial planners charge, what can affect the cost, and how to compare your options.

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How Much Does a Financial Planner Cost in Canada? How much does a financial planner cost in Canada? Compare hourly, fixed-fee, advice-only and AUM fees and learn what can affect the cost.

If you’ve worked in both Canada and the U.S., planning for retirement can come with some additional considerations.

From CPP and OAS to U.S. Social Security and retirement accounts, understanding how benefits from both countries work together can help you plan more effectively.

In this blog post, we explore some of the key considerations for people retiring in Canada with a work history in both countries.

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Retiring in Canada With U.S. Social Security and Pensions Worked in Canada and the U.S.? Learn how CPP, OAS, U.S. Social Security, taxes and retirement accounts can work together in retirement.

En matière de conseil financier, le coût a son importance, mais la valeur compte davantage. Que ce soit l’approche à frais fixes ou que ce soient les honoraires de 1 % qui vous conviennent le mieux, le tout sera basé sur les services dont vous avez besoin, ainsi que de la part de gestion que vous souhaitez déléguer.

Consultez notre article de blog qui établit une comparaison entre la planification financière à frais fixes et un format d’honoraires de gestion de placement à 1%.

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Flat-Fee Financial Planning vs. a 1% Advisor Fee Compare flat-fee financial planning with a 1% investment management fee in Canada, including costs, services and which model may suit you.

Your Canadian home may be tax-free in Canada when you sell it, but that doesn’t necessarily mean it’s tax-free in the U.S.

For U.S. citizens living in Canada, selling a Canadian principal residence can create unexpected U.S. tax and reporting considerations.

In this blog post, we explain why the rules differ and what cross-border homeowners should know.

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Selling a Canadian Home? U.S. Tax Rules for U.S. Citizens Selling a Canadian home can create U.S. tax for U.S. citizens living in Canada. Learn about home-sale exclusions, exchange rates, mortgages and more.

Looking for an advice-only financial planner in Canada? You may have fewer options than you think.

There may be only 75 to 100 Certified Financial Planners (CFPs) practising under a strict advice-only model, where clients pay directly for financial advice without investment management, product sales, or commissions.

Why are there so few, and could that change?

Read our blog exploring advice-only financial planning in Canada.

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How Many Advice-Only Financial Planners Are in Canada? Jason Heath, CFP, estimates there are only 75 to 100 advice-only financial planners in Canada and explores how large the profession could grow.

A Canadian ETF may seem like a straightforward investment. But for a U.S. citizen living in Canada, it can create unexpected tax complications.

Many Canadian ETFs and mutual funds may be considered Passive Foreign Investment Companies (PFICs) under U.S. tax rules, resulting in additional reporting and potentially higher compliance costs.

In this blog post, we explain what cross-border investors should know.

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Why Canadian ETFs Can Be a Problem for U.S. Citizens Canadian ETFs can create PFIC tax and reporting issues for U.S. citizens living in Canada. Learn what cross-border investors should consider.

Combien coûte un planificateur financier au Québec?

Découvrez les différents modes de rémunération et ce qu’il faut savoir afin de bien comparer vos options.

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

Combien coûte un planificateur financier au Québec ? Combien coûte un planificateur financier au Québec? Comparez les honoraires fixes, à l’heure, les frais de gestion et les commissions.

If you’re a U.S. citizen living in Canada, “tax-free” doesn’t always mean tax-free on both sides of the border.

Accounts like TFSAs, FHSAs and RESPs may offer valuable Canadian tax benefits, but the U.S. may treat them very differently. Even when additional U.S. tax is minimal, extra reporting and compliance requirements can add complexity and cost.

Our latest blog looks at how common Canadian registered accounts are treated for U.S. citizens and why cross-border planning means considering both tax systems before making a decision.

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To book a call with one of our cross-border financial planning specialists, visit: https://zurl.co/tsMpP

Canadian Tax-Free Accounts for U.S. Citizens in Canada Learn how RRSPs, TFSAs, FHSAs and RESPs are taxed for U.S. citizens living in Canada and what to consider when planning across the border.