Jason Heath is a certified financial planner with Objective Financial Partners in Markham, Ontario. He is also a personal finance columnist for the Financial Post, MoneySense, and Canadian MoneySaver, and a frequent media contributor. He has practiced as a fee-only financial planner for over 20 years—one of the few, true advice-only financial planners in Canada. He does not sell any financial products—just his time—and specializes in financial planning strategy with a focus on retirement, tax, investment, and estate planning.