Objective Financial Partners

10-Minute Business and Service Overview

Our Mantra

“We sell no products whatsoever. Our sole purpose is the provision of unbiased,

objective financial, tax andestate planning advice.”

Objective Financial PartnersPaul McVean graduated with a Bachelor of Accounting Science degree from the University of Calgary. He has also earned the Certified General Accountant (CGA), Certified Financial Planner (CFP) and Trust and Estate Practitioner (TEP) designations. In addition, Paul has completed numerous tax specialty courses offered by the Canadian Institute of Chartered Accountants including the In-Depth Tax Course, Income Tax Practice, and the Advanced Owner-Manager Tax Planning Course and has presented many seminars on financial, tax and estate planning topics. Paul has authored and been interviewed for articles on a wide variety of topics appearing in publications such as The Bottom Line, Investment Executive, Advisor.ca and the Ontario Dentist Journal.

Jason Heath graduated with a Bachelor of Economics degree from York University in Toronto. He has also earned 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 appeared on CTV New Channel and authored and been interviewed for articles on a wide variety of topics appearing in publications such as the National Post, MoneySense, the Globe & Mail, the Toronto Star, Private Wealth Canada, Precedent, Advisor’s Edge and Investment Executive. He is the Treasurer of the Block Parent Program of Canada Inc. (a national children’s charity) and a columnist for the Financial Post (the business section of the National Post).

Why Are We Unique?

We Don’t Get Paid By Getting You To BuyWe get paid to provide comprehensive, holistic advisory services by fitting all aspects of your

financial puzzle together: retirement planning, cash flow and investment* strategies, tax planning, estate planning and insurance* needs analysis. We even do personal and corporate tax returns.

We’re Not Like Most Advisors

We sell advice, pure and simple. Since our focus is advice, we explain things in layman’s terms and help you take control of your decisions.

We Sell No Products Whatsoever

Our sole purpose is the provision of objective financial, tax and estate planning advice.

* We don’t earn fees or commissions from a referral. We make referrals because we don’t sell products ourselves, and make them to people we can stand behind. We do the due diligence so you don’t have to.

Canadian Financial Planning Industry

150 Fee-Only Certified Financial Planners (CFPs)

18,000 TotalCertified Financial Planners (CFPs)

25,000 Financial Planners(including non-CFP)

75,000 Financial Advisors

Misconception Truth

An investment advisor is a financial planner

Investment advisors are generally experts on investments and may or may not have financial planning knowledge

An accountant is a financial planner Most prepare tax returns, but don’t have the time/expertise, or the mandate to get involved tax planning

There are no conflicts of interest in the investment / insurance industry

The industry is fraught with conflicts and lacks transparency because different products pay different compensation

I get financial planning from my bank / investment advisor for free

Some have financial planning knowledge, but many do not have much expertise, and most of them are compensated based on the sale of products to you

I already have a fee-based advisor, it’s the same thing

Fee-based is an investment fee as a % of your investments, whereas fee-only is a set $ fee for financial advice only

I don’t have enough money to qualify as a client

There are no minimums, whether investments or income, and every client pays the same effective hourly fee rate

Busting the Myths

You

Bank

Accountant

Investment Advisor

Rules of Thumb

Brother-in-law

Insurance Agent

Lawyer

Advice Coming From All Sides?

Investment Advisor

Bank

Insurance Agent

Lawyer

Accountant

Us You

Ensure Nothing Is Lost In Translation

Brother-in-law Rules of thumb

Financial Planning

Build a comprehensive

financial / retirement plan

Understand what to do with

your money

Examine various “what if” scenarios

Pay less tax and be more efficient

Tax Preparation

Personal (T1)

Corporate (T2)

Trust (T3)

T4,T5 tax slips and filings

GST/HST filings

Estate Planning

Estate planning strategy

development

Will design and use of trusts

Powers of attorney

Legacy planning

Investment* Strategies

Asset allocation

Tax strategies

Investment advisor / fee assessment

Performance evaluation

Meet an advisor* we

know and trust

Insurance* Strategies

What coverage is most

appropriate

Investment* and estate

planning strategies

Tax-efficient inter-

generational wealth transfer

Meet an agent* we

know and trust

* We don’t earn fees or commissions from a referral. We make referrals because we don’t sell products ourselves, and make them to people we can stand behind. We do the due diligence so you don’t have to.

Comprehensive Range Of Services*

So What Does it Cost?• Financial projections only: Starting at $500• Financial projections and 2-hour meeting: Starting at $1,000• Financial projections identify current net worth and model

future assets, liabilities, income and expenses, retirement target as well as strategies to help you achieve financial independence

One-Time Financial Check-Up

• Annual meeting, limited telephone and email correspondence, family personal tax return preparation: $2,400 for employees and retirees and $4,800 for business owners

• Semi-annual meetings, unlimited telephone and email correspondence, family personal tax return preparation: $3,600

• Meetings include financial projections, tax and estate planning, investment* strategies and insurance* requirements

Ongoing Financial Planning Including Family

Personal Income Tax Return (T1) Preparation

• We prepare personal, corporate, and trust income tax returns• Personal tax returns start at $250 for a family• Trust tax returns start at $350• Corporate tax returns start at $1,000 for a inactive company and

$1,500 for an active company

Income Tax Return Preparation Only

* We don’t earn fees or commissions from a referral. We make referrals because we don’t sell products ourselves, and make them to people we can stand behind. We do the due diligence so you don’t have to.

What Specific Services Might Be Provided?• Preparation and ongoing monitoring of a personalized and comprehensive financial / retirement plan• Assistance in establishing discipline through savings strategies and evaluating where to allocate extra cash flow• Assistance in debt repayment strategies, restructuring and obtaining or renewing of mortgages with a bank /

mortgage broker if necessary• Explain and evaluate client participation in company-sponsored benefit plans• Evaluate investment strategies, asset allocation, fees and tax-efficiency of investments• Facilitate an introduction to a trusted third party investment advisor* if necessary• Assist in planning for children’s education• Discuss tax planning strategies• Review previous year’s personal tax returns (client, spouse and dependent children)• Prepare current year’s personal tax returns (client, spouse and dependent children)• Review wills periodically and co-ordinate amendments or new wills with a lawyer* if necessary• Review powers of attorney for personal care and property and co-ordinate amendments or new powers of

attorney with a lawyer* if necessary• Discuss estate planning and assist in the implementation of strategies to accomplish estate wishes in the most

efficient manner• Review insurance needs and strategies and identify deficiencies and assist in the elimination of these

deficiencies with an insurance broker* if necessary• Stay pro-actively involved in ongoing financial, tax and estate planning

* We don’t earn fees or commissions from a referral. We make referrals because we don’t sell products ourselves, and make them to people we can stand behind. We do the due diligence so you don’t have to.

What Are Some Componentsof a Financial Plan?

Income ProjectionsGraphs for visual learners:

Numbers for those who are detail-oriented:

Cash Flow ProjectionsGraphs for visual learners:

Numbers for those who are detail-oriented:

Net Worth ProjectionsComprehensive life-long projections (graphs and numbers):

How Much Do I Need To Retire?

How Much Insurance Do I Need?

. . . . . we have answers!

How much money do I need to save each week, each month or each year in order to retire by a certain age? What rate of return do I need to earn? How appropriate is my portfolio?

Should extra cash flow be allocated to debt repayment, a TFSA, an employer RRSP/pension plan, a personal RRSP, a spousal RRSP or a child’s RESP?

Is my financial plan tax-efficient, or are there things I should be doing differently?

What happens if I become sick, injured or disabled, or even worse, if I die? Will my family’s financial plans still be on track or will they be in trouble?

Do I have the right type and amount of insurance?

What happens to my assets when I’m gone? Should I begin transferring them during my lifetime or wait until I pass away?

If you have questions . . . . .

Objective Financial Partners

South Office: 1 St. Clair Avenue East, Suite 901, Toronto, Ontario, M4T 2V7

North Office: 17075 Leslie Street, Unit 7 & 8, Newmarket, Ontario, L3Y 8E1

T. 416.418.3934 F. 866.261.8912info@objectivefinancialpartners.comwww.objectivefinancialpartners.com