Catalogue lists Course bundles first. Individual, or single, courses are listed after the bundles. Use these pull-down menus to see the catalogue at a glance and quickly find the credits you need.
Course Bundles
Single Courses
How to Order and Access Your Courses 
COURSE BUNDLES
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (2 Financial Planning, 1 Professional Responsibility)
Institute Members: 3 credits
General Credits: 1 credit (BC, AB, SK, MB, ON)
Here are two courses to ramp up your understanding of ethics:
Both courses help you to re-examine your thinking about ethical principles. They suggest how ethical guidelines can help decision-making and how you can put ethics into practice.
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Institute Members: 4 credits
IIROC Credits: 4 credits (Professional Development)
The pension-income safety net is created for Canadians by Old Age Security with Canada Pension Plan benefits for those who qualify. Make sure nothing escapes the net for your clients! Calculate when it’s best for them to start the pensions, and how to protect OAS from clawback.
In this package, you will receive:
You’ll come away from these courses with a meaningful action plan for pension recommendations. Start today!
Provincial Life Credits: 6 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 6 credits (Financial Planning)
The golden years: the time to enjoy the fruits of one’s labour. Make sure your clients who are in this lifestage, or getting close, have information relevant to their golden years. These courses focus on issues important to them — and, to you.
Two courses are included in this package:
Improve outcomes for your savvy seniors.
Price: $74.95 (Save $10 on the cost of ordering each course on its own.)
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (4 Financial Planning, 3 Practice Management)
Institute Members: 7 credits
IIROC (CECAP) Credits: 8 credits (4 Compliance, 4 Professional Development)
Quebec Credits: CSF: 7 PDUs (3 Compliance, 1 Group, 3 Insurance of Persons)
You’ve already made a wise decision when you substitute this online package for seminar attendance. You’re going to save time and money, and you choose the time for CE that is convenient for you. This package combines two courses to provide the equivalent to one full day of seminar CE credits.
You receive:
You will come away from this online alternative to seminar attendance with actionable ideas and insights. Plus, you’ll have the courses downloaded for future reference.
See our other Seminar Alternative bundles for other 7-credit options.
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
Institute Members: 7 credits (including Ethics)
IIROC Credits: 7 credits (Professional Development)
Set aside an equivalent to a full day at a seminar to complete these courses and save time and money.
In this package, you will receive:
Take any morning and complete The Principle of Fairness. Learn about fairness, and how it influences financial advice. Then, in an afternoon — or an equivalent time, complete Income Replacement. You will be doing a product review including reviewing options for self-insuring and the emergency fund. You’ll also learn the other side of the equation for successful sales: knowing the client, ensuring suitability, and how to apply standards of conduct. At the end of the courses, your credits will be in hand.
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
Institute Members: 7 credits
IIROC (CECAP) Credits: 4 credits (Professional Development)
Quebec Credits: CSF: 5 PDUs (1 Group, 4 Insurance of Persons)
In less time than it takes to travel to a seminar, sit in attendance for seven hours, and drive home or to your office, you can complete these courses — not only when it is convenient for you but with no traffic worries, the hassle of parking, or hours when you are “unavailable” to respond to client calls.
In this package, you will receive:
Together, these courses give you value in advice and learning. Value your time? Value this CE opportunity!
Price: $89.90 (Save $10 on the cost of ordering each course on its own.)
Provincial Life Credits: 8 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 8 credits (Financial Planning)
Institute Members: 2 credits
IIROC Credits: 2 credits (Professional Development)
Tax can be planned for, accommodated, reduced, and deferred. Instead of seeing tax as a dreaded inevitable, get proactive and make the positive changes for your clients that can give them the best tax outcome.
This two-course tax-focussed package includes:
These courses set you apart from your competition with practical knowledge that’s easy to read and easy to implement. You’ll find learning about tax doesn’t have to be taxing!
AIC Life Credits: 10 credits
AIC A&S Credits: 10 credits
CFP® Certificant: 10 credits (Financial Planning)
Institute: 5 credits
IIROC (CECAP): 4 credits (PD)
New courses in this package for the AIC CE cycle ending 06/21.
2020 was a rough year for many. Clients may be unhappy for one or more reasons, and you may be on the receiving end of their stress. Hone your client management skills on the essential subject of the difficult client with the Coping with the Difficult Client course in this package.
It is one of two courses you will receive. The other shows the continuing importance of insurance coverage in later life. Both courses focus on your professional obligations for clients and life insurance needs in your client base. Together, they provide a well-rounded CE solution to meet CE requirements.
Complete each course and receive an immediate regulator-approved Certificate.
Life Credits: 10 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 10 credits (Financial Planning)
Assets are property owned by a person or company, regarded as having value and available to meet debts, commitments, or legacies. Here are two courses focussed on assets and their management. Learn how assets comprise wealth and how that wealth will transition to future owners.
The courses in this package include:
You’ll come away with insight into estate planning considerations — and, as always with C’Life, immediate Certificates upon course completion.
Provincial Life Credits: 10 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 10 credits (Financial Planning)
Canadian life insurers paid approximately $7.7 billion in death benefits in 2019. Real estate values in some areas have skyrocketed. Meanwhile, many Canadians are feeling the pinch of debt. It seems that, in Canada, we’re experiencing a personal boom and bust at the same time. And, to a degree, that is true with some areas within the country and some demographic groups going through a phase of dynamic growth and wealth accumulation, while others are not so lucky.
Learn to manage both sides of the financial equation with the two courses in this package:
Whether it’s a strategy to manage sudden wealth or to pay down debt, this information is highly relevant to actual practice.
IIROC (CECAP) Credits: 10 credits (Compliance)
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 10 credits (2 Professional Responsibility, 8 Financial Planning)
Institute Members: 3 credits
Quebec Credits: CSF: 3 PDUs (3 Compliance)
This package contains two courses that, together, satisfy your IIROC 10-credit Compliance requirement for this cycle (Cycle 8).
Ethics and the Investment Industry was distinguished as the first ethics course to be recognized as an ethics course in the IIROC Continuing Education Program.
You will receive links to both courses and their tests by email. Upon successfully completing each test, you can download its Certificate.
CSF: 9 PDUs (Compliance)
CFP® Certificants: 10 credits (4 Professional Responsibility, 3 Practice Management, 2 Financial Planning)
Institute Members: 10 credits
IIROC (CECAP) Credits: 9 credits (Compliance)
Take a close look at this efficient means of earning compliance PDUs for CSF requirements.
These courses will be all you need for compliance in a CE-cycle:
Receive an immediate regulator-approved Certificate upon completion of each course.
Price: $119.85 (Save $15 on the cost of ordering each course on its own.)
Provincial Life Credits: 10 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 10 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 10 credits (10 Financial Planning)
Institute Members: 3 credits
IIROC Credits: 4 credits (Compliance)
General Credits: 7 credits (BC, AB, SK, MB, ON)
The question facing individuals like you and organizations today is not if you will suffer a cyberattack but when. Witness the tragedy during the coronavirus pandemic of worried, innocent people being victimized by fraud and you start to get an idea of the relentless threat posed by cybercriminals.
This package combines two courses that address the criminal activity that can impact your business:
These courses are going to tell you concrete steps you can take to protect yourself and your clients and save you the aggravation, fear, and costs of being compromised.
Provincial Life Credits: 12 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 12 credits (Financial Planning)
Institute Members: 5 credits
IIROC Credits: 12 credits (Professional Development)
The senior population in Canada is surging. They have assets on their mind: how to preserve their acquired assets, how to use those assets for income, and how to distribute remaining assets after death.
Two courses are included in this asset-focussed package:
These courses help you develop the know-how to become a seniors’ specialist on the subject of asset management.
Price: $114.90 – (Save $20 on the cost of ordering the courses on their own.)
QAFP Credits: 12 credits (11 Financial Planning, 1 Professional Responsibility)
CFP® Certificants: 12 credits (11 Financial Planning, 1 Professional Responsibility)
Provincial Life Credits: 12 credits (BC, AB, SK, MB, ON)
Institute Members: 5 credits (including Ethics)
IIROC (CECAP): 4 credits (Professional Development)
When you are on task for CFP Certification and have attained your QAFP, you have an FP Canada requirement for 12 CE credits annually including 1 Professional Responsibility credit.
Here is a bundle of courses to bridge the learning gap between theory and practice. While you will receive a full slate of the credits you need, you will also find excellent oversight of practical matters combined with actionable ideas.
You will receive:
As always with C’Life, a regulator-approved Certificate is immediately available upon successful course completion.
Provincial A&S Credits: 15 credits (BC, AB, SK, MB, ON)
Provincial Life Credits: 15 credits (BC, SK, MB, ON); 4 credits (AB)
CFP® Certificants: 15 credits (Financial Planning)
Institute Members: 3 credits
IIROC (CECAP) Credits: 3 credits (Professional Development)
Get behind the steering wheel and drive home these A&S-focussed courses. Plus you’ll earn your Life credits with the exception of Alberta. (Alberta agents are advised to acquire additional life credits from any of the other courses in our catalogue.)
You will receive:
This course combo teaches useful background to help you sell more travel medical insurance, have a better understanding of disability planning, and round out your learning with the essentials of policy claims.
Alberta Life Credits: 15 credits
Alberta A&S Credits: 15 credits
CFP® Certificants: 15 credits (10 Financial Planning, 3 Practice Management, 2 Professional Responsibility)
Institute Members: 15 credits (including Ethics)
IIROC (CECAP) Credits: 9 credits (5 Compliance, 4 Professional Development)
Fast-track your AIC credits with this package. Every course gives you both classes of credit; complete them easily and quickly before your June 30 deadline.
You will receive:
This is an efficient way of completing your CE credits with the assurance of AIC accreditation and immediate AIC-approved Certificates.
BC Life Credits: 15 credits
CFP® Certificants: 15 credits (Financial Planning)
Institute Members: 15 credits
IIROC Credits: 15 credits (Professional Development)
Blast through your ICBC CE life agent requirements with this package of courses. No single course is longer than 7 credit hours and, therefore, they all respect the daily credit limit set by ICBC for CE.
You’ll find you can complete these courses quickly before your May 31 deadline. More importantly, you receive a wealth of valuable tips and practical wisdom to improve your advisory skills.
You will receive:
This is an efficient way of completing your CE credits and receiving immediate regulator-approved Certificates.
Life Credits: 15 credits (BC, AB, SK, MB, ON)
A&S Credits: 15 credits (BC, SK, MB, ON); 10 credits (AB)
CFP® Certificants: 15 credits (Financial Planning)
Institute Members: 9 credits
IIROC (CECAP): 8 credits (Professional Development)
Here are some bright ideas to stimulate your thinking and business results.
Three of these courses focus on life insurance needs in your client base. The remaining course sharpens your communication skills so that you can better deliver your insurance message, whether that message is sales, recommendation, or claims focussed. Together these courses provide a well-rounded CE solution to meet annual requirements.
The courses in this package include:
Complete each course and receive an immediate regulator-approved Certificate.
Provincial Life Credits: 15 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 11 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 15 credits (Financial Planning)
Institute Members: 7 credits
IIROC Credits: 7 credits (Professional Development)
Retirement can be a source of great joy and freedom, and it is only realistic to expect certain challenges along the way. This package of courses helps to anticipate retirement and prepare for its risks. It includes:
These courses equip you to address and manage client concerns as retirement nears or during retirement. You will be better able to plan and formulate recommendations. You will be able to focus on client needs as they actually exist. This is retirement planning advice at its best.
Institute Members: 15 credits (including Ethics)
Provincial Life Credits: 15 (BC, AB, SK, MB, ON)
Provincial A&S Credits: 15 (BC, AB, SK, MB, ON)
CFP® Certificants: 15 credits (8 Financial Planning, 4 Professional Responsibility, 3 Practice Management)
IIROC (CECAP) Credits: 7 credits (Compliance)
While this package could be used by any advisor needing 15 life credits, it is designed for Advocis members because all courses are pre-approved by the Institute. Plus, you will earn your mandatory ethics credits.
Your 15 credits are received from the following courses:
Note: these courses also fulfill your provincial life licensing requirements in all provinces except Quebec, and provide 15 pre-approved credits for CFP professionals including Professional Responsibility.
This package saves you time searching for courses; you’ll complete all your credit requirements efficiently.
Provincial Life Credits: 15 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 15 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 15 credits (Financial Planning)
This package is a no-nonsense approach to enhancing product knowledge of life insurance plus developing knowledge of people management skills.
You will receive:
You’ll build skills that will enable you to offer solid advice on life insurance, and how to ensure win-win sales negotiations.
ICM Life Credits: 15 credits
CFP® Certificants: 15 credits (Financial Planning)
IIROC Credits: 5 credits (Professional Development)
Here is a package of courses for life agents in Manitoba that satisfies the CE guidelines set by ICM and are ICM-approved.
These courses address asset management from the perspective of loss prevention through AML measures with income and asset protection. Together they provide a well-rounded CE solution to meet annual requirements.
The courses in this package include:
Receive an immediate regulator-approved Certificate upon completion of each course.
Provincial Life Credits: 15 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 15 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 15 credits (15 Financial Planning)
Institute Members: 3 credits
Specially developed for the learning needs of the new agent but available for anyone who wants a refresher on life insurance products and the reasons the claim should be part of the sales conversation.
This high-value package includes:
This package can be used for 15 life and 15 A&S credits in every province except Quebec.
A learning opportunity for new agents? Definitely. Essential review for all agents? Absolutely.
SK Life Credits: 15 credits
CFP® Certificants: 15 credits (10 Financial Planning, 3 Practice Management, 2 Professional Responsibility)
Institute Members: 15 credits
IIROC (CECAP) Credits: 5 credits (Compliance), 4 credits (Professional Development)
Here is a package of courses for life agents and advisors in Saskatchewan that satisfies the CE guidelines set by ICS.
These courses address both product knowledge and studies on ethics to provide a well-rounded CE solution to meet annual requirements.
The courses in this package include:
Receive an immediate regulator-approved Certificate upon completion of each course.
CPD Credits for CPAs: 20 Hours
CFP® Certificants: 20 credits (including Professional Responsibility)
Institute Members: 20 credits
IIROC (CECAP) Credits: 6 credits (Compliance); 4 credits (Professional Development)
Life Insurance: 20 Life credits (BC, AB, SK, MB, ON)
CPAs are required to complete 20 CPD hours each year and 120 CPD hours in three years. Now, you can have 20 CPD credits quickly delivered in this package of courses specially selected for Canadian-licensed CPAs.
Courses are oriented towards financial planning issues and solutions for retirement and senior clients. They provide background and context for challenges facing individuals and practitioners. Each course has been submitted for approval to either FP Canada, the Institute, and/or CECAP for IIROC Registrants. Each course has been accredited by at least one of these organizations; this attests to the suitability of courses for CPA CPD purposes in all Canadian jurisdictions.
The courses in this package include:
This is an efficient way of completing CPD: online access means you can complete courses anytime, anywhere — without the time and expense of seminar attendance.
20 Credit Package: PFP® Powerhouse
PFP® Professionals: 20 credits
Provincial Life Credits: 20 (BC, AB, SK, MB, ON)
Provincial A&S Credits: 20 (BC, SK, MB, ON); 15 (AB)
CFP® Certificants: 20 credits (15 Financial Planning, 3 Practice Management, 2 Professional Responsibility)
Institute Members: 20 credits
IIROC (CECAP) Credits: 5 credits (Compliance), 10 credits (Professional Development)
Power through your PFP® CE requirement with these core courses designed to enhance education, competence, and professionalism.
How so? Here are courses that cover ethical issues pertaining to client relationships, insight into the financial planning needs of business owners, and the issues of RRIF management. Together this is a well-rounded CE solution to meet requirements of the PFP® professional.
The courses in this package include:
Receive an immediate regulator-approved Certificate upon completion of each course.
CFP® Certificants: 25 Credits (20 Financial Planning, 3 Practice Management, 2 Professional Responsibility)
Provincial Life Credits: 25 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 12 credits (BC, AB, SK, MB, ON)
Institute Members: 19 credits
IIROC (CECAP) Credits: 5 credits (Compliance)
C’Life is an FP Canada-approved CE provider and has many courses approved by the Council. The following course bundle is a shortcut for ordering the annual credit requirement to renew certification; another option follows this listing.
These courses also provide life credits, which can be submitted to provincial regulators. All credits will display on each course Certificate.
You will receive these courses, which include your two mandatory Professional Responsibility credits:
CFP® Certificants: 25 credits (23 Financial Planning, 2 Professional Responsibility)
Provincial Life Credits: 25 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 13 credits (BC, AB, SK, MB, ON)
Institute Members: 18 credits
IIROC (CECAP) Credits: 8 credits (4 Compliance, 4 Professional Development)
C’Life is an FP Canada-approved CE provider and has many courses approved by the Council. The following course bundle is a shortcut for ordering the annual credit requirement to renew certification.
These courses also provide life credits, which can be submitted to provincial regulators. All credits will display on each course Certificate.
You will receive these courses, which include your mandatory Professional Responsibility credits:
Provincial Life Credits: 25 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 25 credits (BC, SK, MB, ON; AB: 5.5)
CFP® Certificants: 25 credits (Financial Planning)
Institute Members: 25 credits
The Financial Planning for Life series of courses addresses the financial planning needs of those who are not yet strictly focussed on retirement. Their concerns are many: how to save, how to protect their family from loss of income, how to invest, and how to organize their financial affairs.
This package is a collection of all four courses in the series.
The courses include:
You’re going to receive a financial education on issues relevant to working folks who have worries about themselves and their families. And, you’re going to receive insight into how to serve these people to better their future.
Receive an immediate regulator-approved Certificate upon completion of each course.
Ontario (FSRA/FSCO) Life Credits: 30 credits
CFP® Certificants: 30 credits (25 Financial Planning, 3 Practice Management, 2 Professional Responsibility)
Institute Members: 15 credits (including Ethics)
The continuing education (CE) requirement for life agents regulated by the Financial Services Regulatory Authority (FSRA), previously the Financial Services Commission of Ontario (FSCO), requires 30 hours of CE every two years.
Specific courses are not approved, recommended, or endorsed by FSRA/FSCO. However, the Alberta Insurance Council (AIC) accredits courses for life agents. The courses in this package have all met with the approval of AIC for life agents. Their worthiness is further proven by their FP Canada credits for CFP Certificants and Advocis/Institute credits. All these credits appear on the course Certificates.
The FSRA (FSCO) package has been updated to include:
This is a smart and efficient way of completing your CE credits — and receiving immediate regulator-approved Certificates.
Provincial Life Credits: 30 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 30 credits (25 Financial Planning, 3 Practice Management, 2 Professional Responsibility)
Institute Members: 30 credits (including Ethics)
IIROC (CECAP) Credits: 9 credits (5 Compliance, 4 Professional Development)
This package covers the bases! It meets the annual 25-credit CFP plus 30-credit CLU accredited and approved requirements. Each individual course also provides Life and/or A&S credits in all provinces (except Quebec).
The Home-run Package has been updated to include:
This is a smart and efficient way of completing your CE credits — and receiving immediate regulator-approved Certificates.
Price: $344.70 (Save $75 on the cost of ordering courses on their own.)
IIROC Credits (not CECAP)*: 30 credits (10 Compliance, 20 Professional Development)
CFP® Certificants: 30 (28 Financial Planning; 2 Professional Responsibility)
Institute Members: 23 credits (including one ethics)
Provincial Life Credits: 30 credits (BC, AB, SK, MB, ON, AB:23)
IIROC registrants require 10 Compliance plus 20 Professional Development credits each cycle. This package covers this requirement. It has all the credits you need. All courses can be completed on your schedule to meet your December 31, 2021 deadline.
The compliance courses in this package include:
The professional development courses switch things up from your typical investment focus. They include:
Receive an immediate regulator-approved Certificate upon completion of each course.
*IIROC Guidance Note 19-0222 para.2.2 states that CECAP accreditation of CE courses is not required when the course has been accredited by other regulated platforms and meets requirements of Rule 2653.
SINGLE COURSES
Provincial Life Credits: 1 credit (BC, AB, SK, MB)
Provincial A&S Credits: 1 credit (BC, AB, SK, MB, ON)
CFP® Certificants: 1 credit (Financial Planning)
The annual review is a perfect example of a subject too often overlooked in the race for more information on subjects such as fund performance, tax planning, or estate planning. This short course will show you how a review can be a business stimulator. You’ll learn how to prepare, some good questions to ask, disclosure for recommendations, and what to do when a situation becomes difficult.
This information forms a basis for your advisory practice.
Provincial Life Credits: 1 credit in (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit in (BC, AB, SK, MB, ON)
CFP® Certificant: 1 credit (Practice Management)
Institute Credits: 1
General Credits: 1 credit in (BC, AB, SK, MB, ON)
Adjuster: 1 credit in AB
Money laundering is actively pursued by Canadian authorities working under the authority of FINTRAC and the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA). FINTRAC is aggressively auditing entities, such as you and your firm, and when they ask for an audit, participation is compulsory. Get ahead of an audit with the information in this course. Learn the basics of your compliance regime requirements, identification requirements, and the newly defined thresholds for suspicion.
This short course provides the overview and reminders you need to ensure you are on top of compliance expectations and will be ready if an auditor comes knocking
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (Financial Planning)
A will is an important and powerful document that many Canadians wrongfully avoid. You need to help your clients learn the costs of not having a will and the very negative results of such a decision. Learn how easily the potential heartbreak, surprises, and financial devastation can be avoided.
This course also describes common mistakes made in will preparation and provides a highly useful Asset Inventory form and a Beneficiary Endowment form to use with clients. Use them to determine the value of the estate and whether beneficiaries will inherit as planned. Here is practical, everyday information that is at the very basis of financial planning.
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Institute Members: 5 credits
IIROC Credits: 5 credits (Professional Development)
At the end of the year in which an RRSP/LIRA account owner turns 71, a decision must be made. What’s the best way to manage the carefully accumulated account value to create income and have some money to spend? You may not be surprised to learn that many highly educated and otherwise knowledgeable people do not realize they have options other than taking their account value in cash.
Learn about available choices, considerations, strategies, and action plans. This practical and comprehensive information shows the what, how, and when of “what comes next.”
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Every single client in your wheelhouse has at least one asset. Some will have many. Some are lucky enough to have assets with enough value that both probate and income tax must be considered in the future when those assets are distributed. No one wants to see their hard-earned savings going to tax unnecessarily.
The information in this course will help to ensure that those savings are retained and passed along. It is key to both planning an estate and planning finances. You’ll learn-
This course covers these points and provides great ideas for solutions to minimize probate and tax.
Provincial Life Credits: 5 credits in (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
This course has two parts to ramp up product knowledge and an understanding of needs.
Part One defines insurance terms for the Canadian advisor. You will:
Part Two covers disclosure in the context of the sales approach advocated by the CLHIA (Canadian Life and Health Insurance Association). This information is essential to your day-to-day activities and your overall practice.
This course satisfies product knowledge and disclosure basics for agents and advisors.
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Institute Members: 5 credits
IIROC Credits: 5 credits
General Credits: 5 credits (BC, AB, SK, MB, ON)
If you provide better advice to your customers, will your sales improve?
This course gives you the chance to answer this question. It provides simple steps you can take to be better at your job starting today. You get practical customer-focussed ideas that you can immediately use to benefit prospects, clients, and your bottom line.
Learn to understand and anticipate client needs for insurance and investment products. Find quick insight into issues you face every day. Turn those issues into opportunities for service and sales.
Provincial Life Credits: 3 credits in (BC, AB, SK, MB, ON)
CFP® Certificant: 3 credits (Financial Planning)
Institute Credits: 3 credits
The Registered Education Savings Plan (RESP) is nothing less than brilliant: it’s free government money to help ensure a better future for children. What’s not to like?
So, why do so many university students head off to school without the benefit of an RESP? Why are parents, grandparents, and students all taking on debt that could have been partly or entirely eliminated by an RESP? Do you ever hear any of these objections?:
This course will give you the answers to these objections, and others too. It clearly lays out the types of plans, investment considerations, and how to take advantage of compounding within an account.
This is easy course reading that is going to spark your motivation to promote this must-have financial product! Get started now!
Provincial Life Credits: 6 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 6 credits (Financial Planning)
Events of 2020 are going to illustrate the need for everyone to become better savers. RRSPs and TFSAs are two obvious ways to save and, more than ever, you will need to articulate the benefits of these accounts and answer the question: is one better than the other?
You’ll be able to respond to that question knowledgably and with confidence after you read this course. You will understand the pros and cons of each form of account and how each one can best serve the needs of your customer.
RRSPs and TFSAs are not old hat; they are important savings vehicles for short and long-term objectives. You’ll find new and important information in this comprehensive overview to equip you with the information you need to advise prospects and clients correctly and completely. Be the better RRSP/TFSA advisor, starting now.
Provincial Life Credits: 5 credits in (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits in (BC, AB, SK, MB, ON)
CFP® Certificant: 5 credits (Financial Planning)
General Credits: 5 credits in AB
This is a course about a thief that sneaks in, and remains undetected until it steals a person’s independence and ability to cope financially.
The thief is dementia and Alzheimer’s disease.
A Big Issue addresses dementia and Alzheimer’s disease in the context of mental and financial capacity. Here’s what you need to know and how to prepare for the upcoming epidemic.
This is pure financial planning knowledge that addresses a frightening problem with information, insights, and ideas.
Provincial Life Credits: 15 credits in (BC, AB, SK, MB, ON)
CFP® Certificant: 15 credits (Financial Planning)
In 2018, Canadian life insurers paid out approximately $7.2 billion in death benefits. This is just one part of the immense transfer of wealth from one generation to the next that is happening now.
Get on board with the knowledge you need to find and manage sudden wealth, such as that received from insurance proceeds, property inheritance, real estate proceeds, or the sale of a business.
Learn how to manage client expectations and risks. Deal with issues like debt, investing, and insurance. Provide solutions. This is a must-do course if you plan to work with this growing market.
(A 7-credit version of this course is also available; see below)
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
This is a short-form version of the 15-credit course, Boom! Managing Sudden Wealth. You get the essentials on managing a windfall: its scope, its challenges, and its benefits.
Learn a strategy for saving, investing, insurance, and gifting. Get details on legal and tax matters that affect financial planning.
You won’t be shortchanged by this overview version of the course. It provides plenty of valuable information to build your expertise in a subject that is relevant now — and will be of huge importance in years to come as wealth is transferred in enormous sums from one generation to the next.
(Also available in the 10-credit Boom and Bust course bundle and as a 15-credit version of this course.)
Provincial Life Credits: 5 credits in (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits in (BC, SK, MB, ON)
CFP® Certificant: 5 credits (Financial Planning)
Increase your understanding of retirement issues, plans, and planning to better serve the 1,000 Canadians a day who are retiring now — and for the next 20 years.
This course is an easy to read selection of terms and concepts that are relevant to retirement. The terms will help you guide client retirement decision-making, provide essential facts that will help develop plans, and give you insight and information. You will learn the real needs of retirees and how you can serve those needs.
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (Financial Planning)
We wish the news was better, but it isn’t: Consumer debt levels in Canada continue to set new records. The overall ratio of debt to after-tax family income is high. Consumer insolvencies have been increasing in Canada, especially in Alberta, Ontario, and Newfoundland and Labrador — and that was before 2020.
This course has some answers about how debt happens and how to crawl out from under its burden. You can gain insight into: who goes into debt, how people go into debt, and what they can do about it. We share ideas you can use to advise your clients on controlling and eliminating debt, and useful details about debt management and consolidation. After completing this course, you can encourage clients to find ways and means to eliminate or reduce debt.
Do you have some clients who could benefit from your insights?
(Also available in the 10-credit Boom and Bust course bundle.)
Provincial Life Credits: 1 credit in (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit in (BC, SK, MB, ON)
CFP® Certificant: 1 credit (Financial Planning)
Pinning down risk is a bit like trying to herd cats: it can be frustrating and unsuccessful. This course gives you the basics on risk with some in-depth information on how to determine risk tolerance and risk capacity.
This short course is going to give you a handle on what risk is, what is means to different people, and how risk can be calculated and managed. If you are in the business of risk management via insurance or investments, this is must-do learning.
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
You know what we’re talking about when we’re talking about the difficult client. It’s the one who is unpleasant, unreasonable, demanding, contentious, and/or unpredictable. You ask yourself: How did I deserve this? What should I do? Or, should I continue?
This course analyzes the root causes of client crankiness and suggests essential management skills that can be used to control difficult behaviour. You are going to learn:
There are many, many behavioural management ideas in this course! You’ll find it valuable for both coping with those who are difficult and learning how to prevent unpleasant interactions from ever developing.
Your level of stress can be significantly lessened with the perspective this course delivers. It’s a winner in your stable of people management skills.
Provincial Life Credits: 2 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 2 credits (Financial Planning)
Institute Members: 2 credits
IIROC Credits: 2 credits (Professional Development)
Choosing the right time to begin the CPP retirement pension is a source of speculation and pain for advisors and their clients. Is it best to start early at a reduced value? Is it better to get the full pension at age 65? How about waiting and receiving a larger pension after 65? Is there a best course of action? What is it?
Now, you will be able to answer the question of “when is best?” knowledgeably with the information in The CPP Question. You will learn details about CPP with a focus for the discussion on the issue of timing. This is essential learning that increases your value to clients and prospects alike.
Course features year-by-year benefits breakdown for both pre-65 and post-65 pensions to calculate the exact percentage of pension reduction or increase.
Provincial Life Credits: 2 credits in (BC, SK, MB, ON)
CFP® Certificant: 2 credits (Financial Planning)
The Canadian ETF industry AUM rose to yet another record as of August 31, 2017: $133.9 billion, up $3.3 billion from the previous month. Can seg funds compete with ETFs? The answer to this question is: yes. Are you up to speed when it comes to comparing ETFs with other fund investments? The answer to this question is: you will be when you have compared and contrasted product similarities and differences in this easy-to-read course.
Accurately describe to your clients the advantages and disadvantages of each fund with information that is 100% Canadian. Help your clients reach an informed decision.
Provincial A&S Credits: 2 credits (BC, AB, SK, MB, ON)
CFP® Certificants 2 credits (Financial Planning)
General Credits: 2 credits (BC, AB, SK, MB, ON)
This course was published in November 2020, a time when much remained unknown about Covid-19 disease and potential vaccines. Its purpose is to describe the use of Covid-19 insurance coverage and provide details of Covid-19 practices in your workplace and with your clients.
The tragic fact remains that even when a vaccine is developed and distributed, there will be a continuing need for Covid-19 coverage for those who travel — simply because a Covid-19 vaccine will not achieve 100% efficacy; Covid-19 is unlikely to be entirely eliminated for many years, if ever.
Arm yourself with some of the facts you need when you interact with those around you. Keep yourself and others safe and protected.
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, SK, AB, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
In the five years before retirement there are many steps to take to ensure maximum retirement preparation. This course describes a financial plan of action for those five years. It addresses key issues such as the importance of capital protection during these years, the role life insurance continues to play, and how to organize affairs while still working.
This information provides excellent oversight of a transitional life stage. It can guide clients to being confident about their retirement readiness.
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits
Institute Members: 3 credits
IIROC (CECAP): 4 credits (Compliance)
Quebec Credits: CSF: 3 PDUs (Compliance)
Cyber incidents are increasing as a result of hacker attacks, technical failures, sloppy practices, and employee error. The question facing individuals like you and organizations today is not if you will suffer a cyberattack but when.
The threats from a cyberattack are largely underestimated by businesses because the threats are not always well understood. This course will make clear the threats you face and exactly what to do to reduce or eliminate those threats.
You can create an environment of cyber safety. Here are some of the tools you’ll receive to help you in your task:
The cost of this course is virtually nothing compared to the cost of rebuilding your business if you are attacked. Be proactive — learn about your weaknesses and build your defenses now instead of paying the high costs after the fact.
Provincial Life Credits: 4 credits in (BC, AB, SK, MB, ON)
Provincial A&S Credits: 4 credits in (BC, AB, SK, MB, ON)
CFP® Certificant: 4 credits (Financial Planning)
General Credits: 4 credits in (BC, AB, SK, MB, ON)
Here is your secret weapon in the battle to be the best at providing extraordinary financial service advice.
This course will teach you how to make complex decisions in a simple four-step process. The process can be applied to any decision you face — personal or professional. And, for the financial advisor, it provides a way to substantiate a decision to a client. You can work through the process with a client, agree on the conclusion, and the decision is made. This process will save you time and make you better at your job.
Provincial Life Credits: 7 credits (BC, SK, MB, ON); 1 credit (AB)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
It isn’t just seniors who are disabled. Think about the 2,400 people injured as pedestrians in BC each year or that one person is struck by a vehicle on Calgary’s streets every day. Consider that in one day in Toronto, four pedestrians were killed: how many more were hurt? How about the shocking number of Canadians who are injured snowmobiling every winter? Think about the bicyclists and those on motorcycles. These accidents happen all the time yet, what of the disabled? Can you help them in their need for income?
Knowing how to help—the programs available and their benefits—is one way to help and, coincidentally, distinguish yourself in an advisory capacity. If you are ready to step up, you have almost a quarter of the population in your market-area waiting for your insight.
Includes a Don’t Trip Up checklist for your senior clients and, for every single client, the Checklist for Pedestrian Safety.
BONUS! Includes Succession Planning for Families with Disabled Dependents by John Poyser, a partner with the Winnipeg Law firm Tradition Law LLP Estates and Trusts and the principal of the Wealth and Estate Law Group in Calgary. John currently serves as a member of STEP (the Society of Estate and Trust Practitioners) Worldwide Council.
Provincial Life Credits: 1 credit (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit (BC, AB, SK, MB, ON)
CFP® Certificants: 1 credit (Professional Responsibility)
Institute Members: 1 credit (Ethics)
IIROC Credits: 1 credit (Compliance)
Quebec Credits: CSF: 1 PDU (Compliance)
RIBO: 1 credit (Ethics)
Being in the business of providing financial advice brings many challenges. This course identifies some specific challenges that come about in practice as conflicts arise and principles are tested. Do Your Best provides the mandatory professional responsibility credit required by the FP Canada for CFP® Certificants. However, all financial advisors can benefit from the course and its case studies.
Specifically, you will learn three options for dealing with conflict of interest, the ten tests to judge product information, some roadblocks that arise when it comes to to putting client interests first — and how they can be overcome.
Do Your Best is easy to read. It provides information that you can quickly learn from and apply to your role and responsibilities.
Price: $24.95
Provincial Life Credits: 1 credit (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit (BC, AB, SK, MB, ON)
CFP® Certificants: 1 credit (Practice Management)
General Credits: 1 credit (BC, AB, SK, MB, ON)
Do you find you spend too much time writing, editing, and rewriting? Do you find it difficult to write concisely and clearly? Do you become frustrated when you send clients instructions that they do not follow? Do you waste time trying to “find the right words”? If any of these situations apply to you, help has arrived!
Effective Written Communications for Financial Advisors shows you tips to make your writing meaningful, clear, and to the point. Writing in plain language can be easily mastered, and we show you how.
Why master plain writing?
Just for fun, we have included the Worst in Class entry that illustrates the sad use of language that comprises a lot of business jargon. (Low-hanging fruit or laser-focussed sound familiar?)
If your motivation is to sell financial products and provide superior client service, this course will make your job easier thanks to its practical approach that you can quickly and easily adopt.
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (Financial Planning)
Institute Members: 3 credits
IIROC Credits: 3 credits (Professional Development)
General Credits: 3 credits
Financial abuse arises from vulnerability, trust, and greed. Most financial exploitation is carried out by family members. This could be a spouse, child, sibling, cousin, or niece or nephew. Caregivers can be a risk with their special access to assets and knowledge of financial matters.
You may see the result of exploitation in the form of diminished savings, outright theft, loss of asset ownership, or a change of beneficiary designations. Or you might see a power of attorney abusing the position to the detriment of the grantor.
It is happening all around you — and maybe you have had suspicions that you could not substantiate. That stops now with the knowledge you will gain from this course.
You are going to learn many causes of elder financial abuse and economic crime. You are given warning signs and red flags to watch for. You will be provided with guidance on just what you can do to help your older adult clients avoid abuse and how to get help when it’s needed.
If you want to heighten your awareness of this serious problem, or find out what to do if it seems abuse is occurring, then you will want to read this course.
Provincial Life Credits: 7 credits in (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits in (BC, SK, AB, MB, ON)
CFP® Certificant: 7 credits (Financial Planning)
If you believe insight into generational differences can influence your ability to sell, you’re right! This comprehensive course provides an overview of attributes of three generations, Traditionalist, Boomer, and GenX, with additional details on the issues relevant to each generation. There’s a ton of practical knowledge to take away and use immediately. Better information helps you do more; get it here.
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Planning an estate centres on these activities:
This course provides consideration and context for these questions. It provides a wealth of no-nonsense detail about plans that must be made during life, what happens to the estate at death, and how to prepare for taxes now and then. A focus on insurance products and structure ensures you will equip your clients with insurance designed to meet their needs.
This course helps you to structure a plan for the future that can eliminate worry now.
IIROC (CECAP) Credits: 8 credits (Compliance)
This course was the first ethics course to receive CECAP Compliance credits and to be recognized as an ethics course in the IIROC Continuing Education Program.
Ethics and the Investment Industry fearlessly examines ethics questions and quandaries in light of the conflicts in the industry around money management for others and personal gain, the ethics of money as a product, the ethics of information, and how to meet ethics objectives and requirements. IIROC Rules are given their ethical dimension and you’ll read how to achieve ethical outcomes.
This course may challenge you and how you think about your role in the investment industry. If you find ethics and ethical dilemmas a stimulating subject and you want to go beyond the superficial, this will be the course for you. You may not agree with all you read, but you will be encouraged to find how ethical choices are your only choice.
Provincial Life Credits: 1 credit (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit (BC, AB, SK, MB, ON)
CFP® Certificants: 1 credit (Professional Responsibility)
Institute Members: 1 credit (pending)
IIROC Credits: 1 credit (Compliance)
General Credits: 1 credit
This course has been fully reviewed by FP Canada and approved for its mandatory professional responsibility (PR) credit. Ethics at Work provides essential learning about ethics and rules of conduct for CFP® Certificants. However, the general course content and case studies can benefit all financial advisors.
Test yourself against six questions of ethics to ask yourself whether your actions stand up to expectations. And, you’ll read what ethics is not—definitely something to think about.
As always, the case studies round out the learning and these all-new cases will hone your critical ethical decision-making skills.
Institute Members: 2 credits (Ethics)
Provincial Life Credits: 2 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 2 credits (BC, AB, SK, MB, ON)
As a member of the Institute, you can clearly see that you have an ethical obligation to the organization, to clients, and to your industry. Your objective is to arrive at the best ethical outcome for actions you take and decisions within your control. How can you be guided in practice?
This course will help you determine some of the situations in which ethics plays a role. We ensure first that you have a grounding in what ethics is, and then go on to take a closer look at some of your ethical obligations. Along the way, we’ll explore some of the biases that can impact ethics, and ensure that you are particularly attuned to ethical challenges in your seniors’ market.
This is not an ethical lecture on behaviour but, rather, a wide-ranging exploration of issues. You are bound to come away with an enthusiasm as to how ethics can work for the benefit of you and your clients. It is your best practice.
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON
)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON
)
CFP® Certificants: 7 credits (Financial Planning)
General Credits: 7 credits (BC, AB, SK, MB, ON)
Nothing brings the criminals and fraudsters out of the woodwork like tough times. As of April 2020, they’ve never been more busy and more successful at attacking individuals, and business entities. Every email you receive that urges you to respond to important information about your bank account, or that your order is being fulfilled and needs confirmation, or that your assistance is needed in transferring funds shows you are a target for financial fraud.
Financial fraud is everywhere: the Internet, the mail, the person selling a service at your front door, and inadvertently by word-of-mouth in the latest “hot” investment tip from your friend or neighbour.
Learn what the frauds are, how they can be prevented, and what to do if you, your clients, or your business becomes a victim.
Also see the C’LIFE companion course, Cyber Security, Protecting Client Privacy in Your Practice for more on this compelling subject.
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
Institute Members: 7 credits
IIROC Credits: 7 credits (Professional Development)
This course was formulated on the belief that your younger clients and prospects need to understand some of the foundational concepts of having their financial house in order, such as: when is a will needed, how to name a beneficiary, and how to avoid being victimized by cyber crime. But. It isn’t just younger people who have these unanswered questions — it is people across the age spectrum. It can be surprising how some of the most fundamental information is overlooked or misunderstood.
Spend your time learning information you can share across the board. Establishing this knowledge will ensure small steps are started in the process of financial planning and, ultimately, estate plans are properly devised and funded. Plus, you can offer ideas to protect against financial loss: surely a subject that finds traction amongst people of all ages.
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial
Planning)
Institute Members: 5 credits (including 1 Ethics credit)
IIROC Credits: 5 credits (Professional Development)
Life and disability insurance are the products but income protection is the benefit. Income protection is the fundamental reason for life insurance while still working and for disability insurance. It is an idea that is very basic: money provided to surviving family or to support a family.
This course is going to give you the income protection focus you can use with all those clients who have not crossed the threshold into thinking about retirement; they are thinking of the here-and-now.
You will be doing a product review in this course including reviewing options for self-insuring and the emergency fund. Then, you’ll be learning the other side of the equation for successful sales: knowing the client, ensuring suitability, and how to apply standards of conduct.
This course delivers content and context. You can count on it to develop your critical thinking on the subject of financial planning for life.
Provincial Life Credits: 6 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 6 credits (Financial Planning)
Institute Members: 6 credits (1 Ethics)
Whether the markets are up or down and regardless of the investment “flavour du jour,” there are certain investing fundamentals that contribute to wealth accumulation. Who needs to know these products and strategies? How about everyone?
Product details in this course are based on the six-question test-for-investing developed by the OSC:
Each of these questions is applied to a number of common investments. The result of this analysis is a consistent picture of investments, which makes for easy points of comparison between them. Sharing this knowledge with clients equalizes the information symmetry between you and helps to make their expectations reasonable.
In addition to this innovative review of products, you’ll also receive oversight on key investing strategies. This information is also presented consistently and concisely with a view to practical applications.
Find investing ideas with lifelong significance in this course.
Provincial Life Credits: 7 credits in (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (FP)
Institute Members: 7 credits
IIROC Credits: 7 credits (PD)
We wrote this course prior to the events of 2020 that have seen significant financial hardship for many Canadians. It’s too late to look back and say, we should have saved more because no one knew the economic potency of pandemic.
Now is a time to look ahead and, at the right time, suggest how debt can be managed on the one hand and, subsequently — on the other hand — how essential it is to have savings to fall back on. The actionable ideas you’ll find in this course are:
You will be reminded of the many tried-and-true approaches that will lead to wealth accumulation. You can leverage your learning to formulate a roadmap that sees objectives achieved and anxieties about finances relieved.
Provincial Life Credits: 2 credits in (BC, AB, SK, MB, ON)
CFP® Certificant: 2 credits (Financial Planning)
You’ve been floored to see prospects and clients make these mistakes — their belief that they don’t need a financial plan, that they can plan on their own, that they know all there is to know, or that their friend or neighbour has the answer for a magical investment opportunity. Your prospects and clients are not alone: many individuals make these same errors and come up on the wrong side of the ledger. And, they do it over and over again. This course covers seven common mistakes clients make, and the loss of opportunities that result from their errors.
You will learn new insight into the making of mistakes. Get a handle on what you can do to head off the inevitable crash landings that arise from arrogance and misperceptions. Help clients to get on the right track, stay there, and reap the rewards.
Provincial Life Credits: 3 credits in (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits in (BC, AB, SK, MB, ON)
CFP® Certificant: 3 credits (Financial Planning)
Institute Credits: 3
A financial snapshot is an overview of client financial information that gives the agent-advisor essential information to build recommendations and advice.
In this three-credit Course, you will learn how to create a financial snapshot and:
Provincial Life Credits: 6 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 6 credits (Financial Planning)
Self-improvement is always a laudable goal, and here is a course that aims to improve the financial side of your clients’ life. It provides five easy resolutions that can apply to people of virtually any age. From resolving to save more to investing well — and making resolutions stick, the ideas in this course can lead to progress on goals, and success with dedicated effort.
Coach your clients to complete one, more than one, or methodically work through them all. They are a sure route to financial well-being that can be implemented any day of any year.
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits in (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
Institute Members: 7 credits
IIROC credits: 7 credits (Professional Development)
It will not come as any surprise that retirees worry about their money. Rightly so. They face a unique set of risks due to age and circumstances.
This course identifies seven significant threats to retirees and their income:
We explore these risks — giving you background and analysis — and go on to provide useful risk management ideas and strategies.
You will find hard facts on the safe withdrawal rate for savings and how it translates into the lump-sum needed on retirement. You’ll learn shock therapy for the over-spender. And, you may learn some surprising information about the cost of healthcare for Canadians.
Focus on Retirement Risks gives you a wealth of meaningful and practical ideas and solutions for safeguarding retirement income.
Provincial Life Credits: 12 credits (BC, AB, SK, MB, ON
)
Provincial A&S Credits: 12 credits (BC, AB, SK, MB, ON
)
CFP® Certificants: 12 credits (Financial Planning)
Even though you might have worked in the life insurance sales and service business for years and think you have heard it all, you simply cannot remember all the fine details at all times. That’s where this course comes in.
This course is a review of over 160 policy types, policy lingo, restrictions, benefits, and associated products that impact upon insurance. It may be a review, but also delivers knowledge of more advanced topics and new products, such as the Pooled Registered Pension Plan, in which additional details are always helpful to have on hand.
This very comprehensive course provides superb reference value on its subjects without the complexity or bias that may be introduced in information you receive from product manufacturers.
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON
)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON
)
CFP® Certificants: 3 credits (Financial Planning)
Many, many thousands of Canadians have mortgages, big and small. They all need to make their mortgage payments to secure their investment. If you’re looking for a fast way to grow your business, this is it: providing mortgage coverage via life, disability, and critical illness insurance gives you a unique set of reasons to find prospects and to deliver exceptional service to existing clients, while saving them money now and in the future. Personal policies are more flexible than mortgage insurance, provide certainty of coverage, and can cover a wide range of individuals and circumstances.
In this course, you will learn points of comparison between personal policies and mortgage insurance to fully understand the strength of your offer. The benefits of price, customization, better coverage, and future advantages can be easily communicated to your market. Discover how addressing this one need can lead to personal opportunities and business growth.
Provincial Life Credits: 4 credits in (BC, AB, SK, MB, ON)
Provincial A&S Credits: 4 credits in (BC, AB, SK, MB, ON)
CFP Certificants: 4 credits (Financial Planning)
Institute Members: 4 credits
IIROC (CECAP): 4 credits (Professional Development)
Quebec Credits: CSF: 4 PDUs (1 Group, 3 Insurance of Persons)
Small business owners are responsible for over 75% of private-sector job creation and considered by the Business Development Bank of Canada to be “the engine of the economy, and their success vital to Canada’s prosperity.”
It’s true that of early 2020 many small business owners have been slammed by the pandemic. Some will quit; some will retire; some will downsize — and some will prosper. What can you offer in the current climate?
Here are some ideas that come from this course:
You will learn the reasons insurance is so essential to small business owners. Although your efforts right now may focus on planning, plans can be implemented when the timing is right. In the future, working with small business owners will be good business for you.
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Institute Members: 5 credits
IIROC (CECAP): 4 credits (Professional Development)
Quebec Credits: CSF: 5 PDUs (1 Group, 4 Insurance of Persons)
Life insurance is frequently marketed for its use as income replacement during working years in the event of premature death. Does that mean it is obsolete at retirement when income stops? The answer is, no. There are many good reasons for life and health insurance post-retirement.
Learn:
This course reinforces the uses for insurance for older adults. However, it is equally important for those advisors whose clients are contemplating retirement at some distant date to understand the importance of insuring now.
Provincial Life Credits: 5 credits (BC, SK, MB, ON; AB: 4.75)
CFP® Certificants: 5 credits (Financial Planning)
How many investors were wishing they had guarantees on their invested principal in the spring of 2020? How many of those same investors have ever heard of segregated funds? The lessons of 2020 will not be quickly forgotten; what better way to implement a stop-loss on a fund investment than by using seg funds?
This course can help you to become a convert to the seg fund cause. There are many benefits to segregated fund investing: show the advantages of guarantees, resets, beneficiary designations, and probate bypass. There is enormous market potential in the increasing senior population. Add the benefits and the market together, and you’ll come out a winner!
This course helps to deliver that winning proposition. You will ramp up your seg fund know-how and learn key advising points to use with clients. Boost product knowledge, and learn what you need to know in an easy-to-read style that is free from manufacturers’ claims. Get excited again about seg funds as a win-win investment opportunity.
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (Financial Planning)
General Credits: 3 credits (BC, AB, SK, MB, ON)
Adjuster: 3 credits (AB)
Beauty or beast? How you respond to conflict can establish your reputation as one or the other.
Conflict is impossible to avoid but it can be managed. Further, it’s been shown that if you want to be a star performer, you learn to manage conflict. This Course shows you how.
Learn:
This is a great little course with tips that you can and will use to build better relationships and reduce stress.
Provincial Life Credits: 1 credit (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit (BC, AB, SK, MB, ON)
CFP® Certificants: 1 credit (Financial Planning)
Provincial regulators are taking note of advisor sales practices. The practices must comply with needs’ assessment and requirements for product recommendations. Be ready if you are challenged: this course describes the details on precisely what must be disclosed to the client, and why.
Includes a Financial Checklist that provides vital documentation for the client file!
Provincial Life Credits: 2 credits in (BC, AB, SK, MB, ON)
CFP® Certificants: 2 credits (Financial Planning)
Institute Members: 2 credits
IIROC Credits: 2 credits (Professional Development)
OAS has flexibility to its start date, just as CPP. This raises the questions of: when is the best time to start the pension, age 65 or later? How can a pension be deferred if the individual is automatically enrolled? And, of huge concern to recipients: How can the clawback be avoided?
This course is crucial to planning retirement income. You will learn details about OAS eligibility and enrolment. You will understand how and when income is determined and the steps available to reduce clawback. You will be able to address client OAS concerns knowledgeably and helpfully. Start making the right OAS decisions with clients now.
Course features month-by-month pension increase post-65.
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (Financial Planning)
Institute Members: 3 credits
IIROC (CECAP) Credits: 3 credits (Professional Development)
Putting the claim top of mind may seem contrarian but doing so makes the reasons for insurance transparent and professional.
When claims information is covered up-front in a sales presentation it answers a question many prospects may find hard to ask. They want to know, “What’s in it (the insurance) for me?”
The answer to their question is the claim benefit. To make sure the claim will be all that you promise, we provide seven pointers on how to ensure a claim is successful. We describe many of the reasons life, A&S, and insurance investment claims are more or less than expected, how to find a missing policy, and pointers for the unhappy claimant.
For those struggling to find dollars for premium purposes, knowing who, when, and how the money is received from a policy can underscore the value of insurance.
Provincial Life Credits: 2 credits (BC, AB, SK, MB, ON)
Provincial Ethics Credits: 2 credits (SK)
Provincial A&S Credits: 2 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 2 credits (Financial Planning)
Institute Members: 2 credits including 1 Ethics
IIROC Credits: 1 credit (Compliance)
Recognizing unfairness in words or deeds is common, and no doubt, you have heard or been on the receiving end of someone declaring, “well, that’s not fair.” Fairness is a value that we hold dear to heart.
When you are being fair, you are being ethical. Learn about how fairness as a value is defined, and how it influences financial advice. Read the nine rules about how to be a fair person, and how to make fairness a practice. Lots of short case studies are included that reinforce fairness in action.
Here’s a way to bring fairness to the table in your client dealings and relationships.
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (1.5 Financial Planning; 1.5 Practice Management)
Institute Members: 3 credits
IIROC Credits: 3 credits (Compliance)
General Credits: 3 credits (BC, AB, SK, MB, ON)
Adjusters: 3 credits (AB)
It’s time to learn more about privacy than the usual PIPEDA review. Privacy issues affect many of your activities and those of your employees. In this Course you will:
This Course is a win/win/win/win: You, your office, your employees, and your clients will all come out ahead when you have adopted these privacy protocols. Interesting to read and informative, Privacy Practices for the Financial Services should be on your desk today.
Course Price: $39.95
Provincial Life Credits: 3 credits in (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (Financial Planning)
If your clients are anywhere in Canada outside of Quebec, you should be aware of the effect of probate fees (or estate administration tax) on their estates. To be blunt, probate hurts. It has one result across the board: diminished estate value. Even though the estate pays, the cost of probate is actually borne by inheritors because they receive less — but, by then it is too late: they cannot defer or eliminate the tax.
However, estate owners can reduce the amount of probate that will be charged on their death.
Help your clients plan now for this eventuality because there are ways of reducing this “tax”. You can help your clients save potentially significant costs with the ideas for planning in this course.
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 3 credits (2 Professional Responsibility, 1 Financial Planning)
Institute Members: 3 credits
IIROC (CECAP) Credits: 2 credits (Compliance)
This course has a focus on ethics for the senior client. You’ll read background on the challenges seniors present and thought-provoking case studies centred on seniors. Each case study draws upon FP Canada Principles and Rules to provide guidance for your responsibilities.
Informative and stimulating, Professional Responsibility and Seniors provides you with important information to use in building and sustaining a relationship with your senior clients.
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
This course answers the question of “what is going to happen to my assets when I die?” We look at RRSPs, RRIFs, TFSAs, RESPs, mutual funds, the principal and secondary residence, pensions, shares of a small business, and even a collection of stamps. Tax on death for each asset is reviewed and the use of life insurance for value transfer is explored.
You will be able to show your clients how much life insurance they need to fulfill their estate planning goals and how to keep insurance needs in line with increasing tax obligations.
You will also learn the mistakes made in naming beneficiaries, changes to the principal residence exemption, and how to use segregated funds for estate planning.
Property Matters is in-depth information on a subject that touches everyone. It will be a valuable resource in your practice in years to come.
Offer a seminar in your community to build business and increase your profile. Take advantage of a ready-made set of powerpoint slides with handouts with this course add-on.
You get:
All this (the course and the client materials) is available at an introductory price of $99.95. The course and its test will be sent immediately by email. The collateral materials will be sent in a separate email within 72 hours of your order. Watch for both, and check your spam or junk folder if you do not receive both emails.
Price: $99.95
Provincial Life Credits: 1 credit (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit (BC, AB, SK, MB, ON)
CFP® Certificants: 1 credit (Professional Responsibility)
Institute Members: 1 credit
IIROC Credits: 1 credit (Compliance)
General Credits: 1 credit (BC, AB, SK, MB, ON)
Adjuster: 1 credit
This course is not another lecture on what it means to be ethical. We assume you know its importance. Red Flags of Unethical Conduct forces you to examine your thinking about ethics and ethics in practice. It provides thought-provoking ethical situations in which advisors must make hard choices and suggests how ethical guidelines can help decision-making.
Interesting and engaging, Red Flags of Unethical Conduct should be your choice for ethics education.
Provincial Life Credits: 12 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 12 credits (Financial Planning)
Every person who is digging in and saving for retirement wants to know how much to save and whether it will be enough to live on. This course gives you in-depth information you need to answer these questions and includes details on essentials such as income sources and tax.
You will learn sales opportunities for insurance products including annuities and life policies.
This is comprehensive information for the advisor who is serious about retirement income planning and strategies.
Provincial Life Credits: 3 credits in (BC, AB, SK, MB, ON)
CFP® Certificant: 3 credits (Financial Planning)
This three-credit course suggests three life stages by which you can classify your clients while planning their finances with the goal of retirement in mind:
Each stage has considerations around asset creation and protection, life insurance needs, and pension planning.
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 1 credit (AB)
CFP® Certificants: 7 credits (Financial Planning)
Ask a retirement question; receive the answer! Here is a course that provides valuable and impartial Canadian information about issues relating to retirement presented entirely in a question-and-answer format. Superbly organized, you can find what you want or need to know quickly. Reading is easy and you get the ongoing benefit of a resource you can refer to again and again.
RIGHT Answers is written in a way to make you become the reliable source of retirement income facts for clients and prospects hungry for answers. It is a remarkable course for its clear approach to a subject that is too often made unnecessarily complicated.
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
Institute Members: 5 credits
IIROC Credits: 5 credits (Professional Development)
It is reported that about 80% of RRSP account owners choose a RRIF as their maturity option. Making the right decisions for a RRIF can have make-or-break consequences for retirement. Learn how you can best manage this prodigious responsibility with information on RRIF rules, risk considerations, and investment fund choices. Consider the phases in the “life” of the RRIF from its initial rollover to its depletion and termination.
This course teaches you how to become a competent manager of RRIFs and provide the best retirement income for your RRIF account owners. Even though account withdrawal requirements changed in 2020, many RRIF fundamentals continue. You will count on this resource today and in years’ ahead to answer RRIF questions and give guidance on this essential financial product. Not to be missed.
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (2 Professional Responsibility, 3 Practice
Management)
Institute Members: 5 credits (including 2 Ethics)
IIROC (CECAP): 5 credits (Compliance)
Quebec Credits: CSF: 5 Compliance
CFP Certificants need two Professional Responsibility credits as of 2020!
Here is your game plan to achieve the highest standards of professional responsibility.
The content of this course is organized around:
Granted, these subjects are not new to you. Each is an objective to meet. This course digs deeper into these objectives. You will learn how to transition objectives into practice. Some short case studies illustrate concepts and help to complete knowledge and understanding.
Reading this course for continuing education credits is one step. Making ongoing reference to the content when confronted with difficult decisions is going to show you a way forward.
Provincial Life Credits: 2 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 2 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 2 credits (Financial Planning)
Institute Members: 2 credits
In this course, our author reviews the fundamentals of compliance and gives practical instruction on how to implement these fundamentals. He does not take this opportunity to lecture on wrongdoings and their consequences, but rather encourages the agent/advisor to follow practices that are going to be good for business!
Written in a down-to-earth style that addresses many of the practicalities agents face, the agent/advisor gets both the benefit of “why-to” and “how-to” in logical, easy-to-follow instructions and advice.
Provincial Life Credit: 1 credit (BC, AB, SK, MB)
CFP® Certificants: 1 credit (Financial Planning)
In a recent study, 92% of 1,100 Canadian investors surveyed said that it is important to choose investment products that are consistent with their values. In addition, 75% want their advisors to be aware ESG (environmental, or social, or governance) risks — and manage them accordingly.
Many of those investors want their advisors to initiate a conversation about including RI in their retirement and investment portfolios. But in spite of these numbers, only 10% of advisors bring up the topic. Now, you can start the RI conversation with confidence — this course shows you how.
Provincial Life Credits: 3 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 3 credits (BC, AB, SK, MB, ON)
General Credits: 3 credits
In 2019 FINTRAC introduced new guidance on the issue of how to recognize a suspicious transaction and possible indicators of money laundering and/or terrorist financing activity. This course covers your new requirements so that you will understand when a suspicious transaction report should be submitted. Your reporting is a compliance issue and the right, ethical, thing to do. The intelligence you provide may be the basis for action taken by FINTRAC or other authorities.
Provincial Life Credits: 10 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 10 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 10 credits (Financial Planning)
Institute Members: 10 credits
IIROC Credits: 10 credits (Professional Development)
Learning the details of insurance for small business owners now is a great strategy for future growth of your business.
As economic recovery takes hold, business owners will be cautious about their future. They are going to want to manage their personal and business risks like never before. You’ll meet these people as you work in your community and as you socialize: will you be ready with the information that can help them conquer their challenges?
One great step is to learn how life and disability insurance can fund buy-outs and personal needs. You can learn how to protect their personal and corporate interests by appropriate insurance coverage. Plus, you can learn the top tips for an exit strategy and a Shareholder Agreement Checklist, provided by a leading Canadian lawyer. This learning opportunity waits for you in this course.
Provincial Life Credits: 5 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
As small businesses recover from the setbacks of 2020 their owners may be more aware of their personal and business vulnerabilities. It may be time to begin a conversation that can address their fears.
Further, some businesses are more or less unaffected by the pandemic, and a few others are in a position of business growth. Their owners have had a reality check and they may better recognize their need for life and disability insurance to fund buy-outs and personal needs. You’ll learn how to protect their personal and corporate interests by appropriate insurance coverage. Plus, you’ll learn the top tips for an exit strategy.
This is a condensed version of the 10-credit course by the same name. It will build your expertise and confidence in order to excel at the business insurance market when that market is ready for you.
Provincial Life Credits: 5 credits (BC, SK, MB, ON)
Provincial A&S Credits: 5 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 5 credits (Financial Planning)
General Credits: 5 credits (BC, AB, SK, MB, ON)
Canadians are active travellers: about 66% had passports as of 2016; in the US, that number is about 42%. Maybe it is our wish to leave some of the winter behind and head to warmer climes, maybe it is natural curiosity about foreign places, maybe it is the need to visit family abroad, or maybe it is a combination of many factors, but for whatever reason, a lot of Canadians travel. Unfortunately, there are far too many that fail to manage the risk of travel and medical emergencies through acquiring appropriate travel insurance.
This course illustrates how that risk can be managed and mitigated. It helps the seller of travel insurance policies understand options to arrive at the best solution for travellers’ needs.
With information on Super Visa, travel advisories, claims, and stability this course will give you knowledge and insight to make you a stand out in the travel insurance market.
Provincial Life Credit: 1 credit (BC, AB, SK, MB, ON)
Provincial A&S Credit: 1 credit (BC, AB, SK, MB, ON)
CFP® Certificants: 1 credit (Practice Management)
Institute Members: 1 credit
IIROC Credits: 1 credit (Compliance)
Adjuster: 1 credit (AB)
General: 1 credit (AB)
Provides key information about privacy principles and practices. You will learn about legislation, the need for privacy, and how to adopt practices for your business. Provides a review of PIPEDA legislation and other information relevant to financial service professionals.
Your take-away is a better understanding of the importance of privacy and the reasons it must be respected.
Provincial Life Credits: 7 credits (BC, AB, SK, MB, ON)
Provincial A&S Credits: 7 credits (BC, AB, SK, MB, ON)
CFP® Certificants: 7 credits (Financial Planning)
Single women — whether with dependants, separated or divorced, or widowed — have many special characteristics that relate to their financial planning and insurance needs. This course is going to explain what those characteristics are and how you need to work within their limitations.
This course offers insight to both male and female advisors about the financial challenges facing single women. You will develop a better understanding of, and compassion for, women and their specific financial needs.