A 10-minute business overview of Objective Financial Partners Inc.’s fee-only / advice-only financial, tax and estate planning services and personal and corporate income tax return preparation.

1. Objective Financial Partners
10-Minute Business and Service Overview

2. Our Mantra
“We sell no products whatsoever. Our sole
purpose is the provision of
unbiased, objective financial, tax and
estate planning advice.”

3. Objective Financial Partners
Paul 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).

4. Why Are We Unique?
We Sell No Products Whatsoever
Our sole purpose is the provision of objective financial, tax and estate planning advice.
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 Don’t Get Paid By Getting You To Buy
We 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 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.

5. Canadian Financial Planning Industry
150 Fee-Only
Certified Financial Planners (CFPs)
18,000 Total
Certified Financial Planners (CFPs)
25,000 Financial Planners
(including non-CFP)
75,000 Financial Advisors

6. Busting the Myths
Misconception Truth
An investment advisor Investment advisors are generally experts on investments
is a financial planner 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 industry is fraught with conflicts and lacks transparency
the investment / insurance industry because different products pay different compensation
I get financial planning from my Some have financial planning knowledge, but many do not
bank / investment advisor for free have much expertise, and most of them are compensated
based on the sale of products to you
I already have a fee-based Fee-based is an investment fee as a % of your investments,
advisor, it’s the same thing whereas fee-only is a set $ fee for financial advice only
I don’t have enough money There are no minimums, whether investments or income,
to qualify as a client and every client pays the same effective hourly fee rate

7. Advice Coming From All Sides?
Bank
Lawyer Accountant
Insurance You Investment
Agent Advisor
Brother- Rules of
in-law Thumb

8. Ensure Nothing Is Lost In Translation
Investment
Advisor
Bank
Insurance
Agent Us You
Lawyer
Brother-in-law
Rules of thumb
Accountant

9. Comprehensive Range Of Services*
Financial Tax Estate Investment* Insurance*
Planning Preparation Planning Strategies Strategies
Build a
Estate planning What coverage
comprehensive
Personal (T1) strategy Asset allocation is most
financial /
development appropriate
retirement plan
Investment*
Understand
Will design and and estate
what to do with Corporate (T2) Tax strategies
use of trusts planning
your money
strategies
Tax-efficient
Examine various Investment
Powers of inter-
“what if” Trust (T3) advisor / fee
attorney generational
scenarios assessment
wealth transfer
Pay less tax and Meet an
T4,T5 tax slips Performance
be more
and filings
Legacy planning
evaluation
agent* we
efficient know and trust
Meet an
GST/HST filings advisor* 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.

10. So What Does it Cost?
• Financial projections only: Starting at $500
One-Time Financial • Financial projections and 2-hour meeting: Starting at $1,000
• Financial projections identify current net worth and model
Check-Up future assets, liabilities, income and expenses, retirement target
as well as strategies to help you achieve financial independence
• Annual meeting, limited telephone and email
Ongoing Financial correspondence, family personal tax return preparation: $2,400
for employees and retirees and $4,800 for business owners
Planning Including Family • Semi-annual meetings, unlimited telephone and email
Personal Income Tax correspondence, family personal tax return preparation: $3,600
Return (T1) Preparation • Meetings include financial projections, tax and estate
planning, investment* strategies and insurance* requirements
• We prepare personal, corporate, and trust income tax returns
• Personal tax returns start at $250 for a family
Income Tax Return
• Trust tax returns start at $350
Preparation Only • Corporate tax returns start at $1,000 for a inactive company and
$1,500 for an active company
* 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.

11. 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.

12. What Are Some Components
of a Financial Plan?

13. Income Projections
Graphs for visual learners:
Numbers for those who are detail-oriented:

14. Cash Flow Projections
Graphs for visual learners:
Numbers for those who are detail-oriented:

15. Net Worth Projections
Comprehensive life-long projections (graphs and numbers):

16. How Much Do I Need To Retire?

17. How Much Insurance Do I Need?

18. If you have questions . . . . .
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?
. . . . . we have answers!

19. 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. 866.261.8912
info@objectivefinancialpartners.com
www.objectivefinancialpartners.com