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CPD Credits: 20
CFP® Professionals: 5 credits (Financial Planning)

All CPA Members 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 to your desktop, laptop, tablet, or smartphone in this package of three courses selected for Canadian-licensed CPAs. You will receive courses by email with a multiple-choice test for each. Pass the online test and a Certificate will be immediately available for download to attest to course completion.

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.

This is an efficient way of completing your annual CPD credits: fit them into your schedule anytime, anywhere.

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INDIVIDUAL COURSES

(Two courses provided by email as files to save or print off.)

CPD Credit Hours: 2
Provincial Life Credits: 2 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 2 credits in BC, AB, SK, MB, ON
CFP® Professionals: 2 credits (1 Financial Planning, 1 Practice Management)
Advocis Credits: 2

This package contains two courses that will provide one credit each for anti-money laundering and privacy continuing education. These courses are compliance essentials for all financial services professionals:

1. Act on Money Laundering: An overview of FINTRAC anti-money laundering guidelines that pertain to suspicious transactions and their reporting requirements. The Course also provides a review of who is considered a Politically Exposed Foreign Person. 1 Credit.
2. Understanding Privacy: Key points of privacy legislation, protection of privacy, and privacy principles. Provides a review of PIPEDA legislation and other information relevant to financial service professionals. 1 Credit.

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CPD Credit Hours: 2
Provincial Life Credits: 2 credits in BC, AB, SK, MB, ON
CFP® Professionals: 2 credits (Financial Planning)

You’ve seen prospects and even your 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 right answer. This course covers seven common mistakes clients make, and the loss of opportunities that result from their errors.

You learn new approaches to understand the benefits and role of financial planning, and ideas you can implement to create customers for life.

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CPD Credit Hours: 1
Provincial Life Credits: 1 credit in BC, AB, SK, MB, ON
Provincial A&S Credits: 1 credits in BC, AB, SK, MB, ON
CFP® Professionals: .5 credit (Financial Planning); .5 credit (Practice Management)
Institute Credits: 1
Quebec Credits: CSF: 1 PDU (1 Compliance)

It is essential for you to understand the need to submit a suspicious transaction report to help deter money laundering. This requirement is a compliance issue, as written in the Act, since authorities need the intelligence provided in the reports. It is also a moral issue — since deterring money laundering is clearly the right thing to do.

Make sure you understand what comprises “suspicion.” Learn other requirements and better understand who is a Politically Exposed Foreign Person in this easy-to-read course.

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CPD Credit Hours: 3
Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 3 PDUs (3 Insurance of Persons); IQPF: 3 PDUs (3 SFPA)
CFP® Professionals: 3 credits (Financial Planning)
Advocis Credits: 3

Basic Concepts of Canadian Life Insurance is a course that focuses on life insurance:

1. Terms as they relate to policy types, policy benefits, and policy provisions;
2. Requirements for disclosure (particularly important with the introduction of CRM2 for securities).

On completion, you’ll know your life products and procedures.

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CPD Credit Hours:5
Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 5 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 5 PDUs (1 Compliance; 4 Insurance of Persons); IQPF: 5 PDUs (4 SFPA; 1 SC)
CFP® Professionals: 5 credits (Financial Planning)
General Credits: 5 credits in BC, AB, SK, MB, ON
Advocis Credits: 5

Be a Better Advisor This Year is an overview of the key personal financial planning issues. It serves as a reminder of:

• what you need to know about your client;
• how can you help seniors manage their finances;
• the reasons segregated funds should be part of investment sales and portfolio management;
• insurance planning;
• the role you can play to ensure your clients aren’t victims of fraud;
• the consequences of a privacy breach.

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CPD Credit Hours: 6
Provincial Life Credits: 6 credits in BC, AB, SK, MB, ON
CFP® Professionals: 6 credits (Financial Planning)

Think the market is saturated? Only one in four Canadians contribute to RRSPs. Many of those who contribute do not fully understand their plan, its options, and its requirements. This course provides a vital review of RRSPs and TFSAs, points of comparison, strategies for use, and details of taxation. Even if you think RRSPs (and TFSAs) are old hat, chances are you’ll find new and important information in this course that can give you an advantage with prospects and clients.

(Course provided by email as file to save or print off.)

CPD Credit Hours: 5
Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Professionals: 5 credits (Financial Planning)

What’s the big issue? The big issue is the upcoming epidemic of individuals with dementia and Alzheimer’s disease.

What’s the relevance to you? As a leader in the financial services industry you must be able to recognize the signs of mental capacity, because mental capacity is a necessity for your business relationship with the client.

There is a link between age and mental incapacity. There are also more Canadians now reaching the age at which mental capacity becomes an issue than ever before. These are the same Canadians set to receive the largest transfer of wealth in our country’s history. The upshot? More people who are more incapable yet with more money that they don’t have the ability to manage or spend.

This course will:

• provide a thorough understanding of what mental capacity is;
• describe the importance of the related concept of financial capacity;
• provide you with a toll to assess financial capacity;
• show you the role of mitigating factors;
• illustrate how elder abuse and fraud target seniors;
• list the options for managing incapacity.

This is pure financial planning knowledge that addresses a frightening problem with information, insights, and ideas.

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CPD Credit Hours: 5
Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Professionals: 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.

(Video course provided to view online.)

Speaker: Karen Henderson, CEO, Long-term Care Planning Network

CPD Credit Hours: 1
Provincial Life Credits: 1 credit in BC, SK, MB, ON
Provincial A&S Credits: 1 credit in BC, AB, SK, MB, ON
CFP® Professionals: 1 credit (Financial Planning)

This session will give you the facts underlying long-term care: what it is and what your clients can expect. It will also show you how long term care insurance can prepare your clients for the future.

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CPD Credit Hours: 2
Provincial Life Credits: 2 credits in BC, AB, SK, MB, ON
CFP® Professionals: 2 credits (Financial Planning)
Institute Credits: 2

Choosing the right time to begin the CPP retirement pension is a source of speculation and pain for advisors and their clients. Start early at a reduced value? Get the full pension at age 65? Wait and receive 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.

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CPD Credit Hours:7
Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Professionals: 7 credits (Financial Planning)

This course describes a plan of action for the five years leading up to retirement. 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. You can use this information as a planning tool for those who have more than five years until retirement, or anyone in the final years of retirement countdown. Provides excellent oversight of a transitional lifestage.

(Course provided by email as file to save or print off.)

CPD Credit Hours: 4
Provincial Life Credits: 4 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 4 credits in BC, AB, SK, MB, ON
CFP® Professionals: 4 credits (Financial Planning)

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.

(Course provided by email as file to save or print off.)

CPD Credit Hours: 7
Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, SK, AB, MB, ON
CFP® Professionals: 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.

(Course provided by email as file to save or print off.)

CPD Credit Hours: 5
Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Professionals: 5 credits (Financial Planning)

Estate Planning for Retirees gives you in-depth information you can use to help your retired or retiring clients plan their estates. 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. An overview of insurance products ensures you can knowledgeably discuss insurance requirements with your clients to ensure their estate plans can be realized.

(Course provided by email as file to save or print off.)

CPD Credit Hours: 7
Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Professionals: 7 credits (Financial Planning)

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.

(Course provided by email as file to save or print off.)

CPD Credit Hours: 2
Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 3 PDUs (1 General Subject, 2 Insurance of Persons); IPQF: 3 PDUs (SFPA)
CFP® Professionals: 3 credits (Financial Planning)
Advocis Credits: 3

A financial snapshot is an overview of client financial information that gives the advisor essential information to build recommendation and advice. In this three-credit Course, you will learn how to create a financial snapshot and:

• the importance of insurance policies to cover mortgage obligations and travel needs;
• how the personal income tax return yields a wealth of financial detail;
• the need for a will;
• the financial relevance of a passport.

(Course provided by email as file to save or print off.)

CPD Credit Hours: 3
Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Professionals: 3 credits (Financial Planning)

A will is an important and powerful document. Now, you can add another feather to your advisor’s cap when you take this course and learn the many reasons you should review your client’s and prospect’s will. This course describes common mistakes made in will preparation and provides a highly useful Asset Inventory form and a Beneficiary Endowment form to use with clients. Here is practical, everyday information to reinforce your value and enhance financial planning.

(Course provided by email as file to save or print off.)

CPD Credit Hours: 6
Provincial Life Credits: 6 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 6 credits in BC, SK, MB, ON
CFP® Professionals: 6 credits (Financial Planning)

You’ve heard the typical resolutions: exercise more, lose weight, be better…. But here are resolutions with real teeth in them. Quite simply, these resolutions are based on improving the financial life of your clients. They are five easy resolutions that can apply to people of virtually any age. 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. If you are looking for practical ways to help clients, and a reason to keep touching base, you will find those ideas and reasons here. Don’t wait for the new year: start now!

(Course provided by email as file to save or print off.)

CPD Credit Hours: 7
Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Professionals: 7 credits (Financial Planning)
Institute Credits: 7 credits

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:

1. Longevity;
2. Inflation;
3. Change to marital status;
4. Unexpected expenses (including healthcare);
5. Declining cognitive abilities;
6. Overspending;
7. Sequence of returns.

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.

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CPD Credit Hours: 12
Provincial Life Credits: 12 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 12 credits in BC, AB, SK, MB, ON
CFP® Professionals: 12 credits (Financial Planning)

This 12-credit Course provides an essential review of many key, tried-and-true life insurance concepts. However, the importance of this Course is that it brings together the basics with information on more advanced topics and new products, such as the Pooled Registered Pension Plan, in which additional details are always helpful to have on hand.

Over 160 terms are explained in a clear, easy to understand style and many are supplemented with links to additional information so you can research further those subjects of interest, or perplexity, to you.

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CPD Credit Hours: 3
Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Professionals: 3 credits (Financial Planning)

Here’s a course on the investment strategy of leveraging, its risks, and its rewards. You will learn about tax deductibility, suitability, and how to achieve success —- without complicated formulas and calculations.

This course will help you determine when and if leveraging is a recommendation you want to pursue.

(Course provided by email as file to save or print off.)

CPD Credit Hours: 3
Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Professionals: 3 credits (Financial Planning)
General Credits: 3 credits in BC, AB, SK, MB, ON

Make clients, colleagues, and managers happy to work with you. Distinguish yourself as “the one” who has the skills, the knowledge, and the patience to turn conflict into collaboration. This Course shows you how.

Understand how conflicts begin and how to manage them to a satisfactory solution.

Learn:

• Essential conflict management techniques that can be easily implemented;
• To recognize your personal style and those around you: are you competitive? An avoider? A compromiser?
• How to get to the bottom of a problem before it becomes a deal-breaker;
• The importance of win-win negotiation.

Includes a win-win negotiation preparation worksheet!

(Course provided by email as file to save or print off.)

CPD Credit Hours: 3
Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, AB, SK, MB, ON
Quebec Credits: CSF: 3 PDUs (3 Compliance); IQPF: 3 PDUs (3 SC)
CFP® Professionals: 3 credits (1.5 Financial Planning; 1.5 Practice Management)
Advocis Credits: 3

It’s time to learn more about privacy than PIPEDA. Privacy issues affect many of your activities and those of your employees. In this Course you:

• Learn how to develop practices that will ensure you follow the letter and spirit of the laws.
• Benefit from numerous personal checklists to help guide your actions.
• Get a sample social media policy to implement that addresses use of sites like Facebook, LinkedIn, and Twitter.

This Course is a win/win/win/win: You, your office, your employees, and your clients and customers will all come out ahead when you have adopted these privacy protocols. Interesting to read and vastly informative, Privacy Practices for the Financial Services should be on your desk today.

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CPD Credit Hours: 3
Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Professionals: 3 credits (Financial Planning)

Probate fees have been increasing in most provinces and introduced in Alberta. This means your clients can be facing new and larger charges on their estates. In turn, these probate fees translate into diminished estate value. Help your clients plan now for this eventuality because there are ways of reducing this “tax”. This course provides ideas for planning opportunities to reduce probate expense. You can help your clients save potentially significant costs and reinforce the value you bring to your client relationship.

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CPD Credit Hours: 3
Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Professionals: 1 credit (Professional Responsibility) + 2 bonus Financial Planning credits
Quebec Credits: CSF: 3 PDU (3 Compliance)
Institute Credits: 3 credits

As a CFP professional, you need a professional responsibility CE credit annually. This course provides that credit. The focus is on ethics but you’ll read background on the challenges seniors present and thought-provoking case studies centred on seniors. Each case study draws upon FPSC® Principles and Rules to provide guidance for your responsibilities as a professional.

As a bonus, you’ll also receive two FPSC® Financial Planning credits!

Informative and stimulating, Professional Responsibility and Seniors provides you with the necessary credit and important information to use in building and sustaining a relationship with your senior clients.

Want the PR credit in a general ethics course? See Red Flags of Unethical Behaviour; available as a repeat if you have taken it before.

(Course provided by email as file to save or print off.)

CPD Credit Hours: 1
Provincial Life Credits: 1 credit in BC, AB, SK, MB, ON
Provincial A&S Credits: 1 credit in BC, AB, SK, MB, ON
Quebec Credits: CSF: 1 PDU (1 Compliance); IQPF: 1 PDU (1 SC)
CFP® Professionals: 1 credit (Professional Responsibility)
Advocis Credits: 1

Egalement disponible en français.

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 financial planning 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.

(Course provided by email as file to save or print off.)

CPD Credit Hours: 12
Provincial Life Credits: 12 credits in BC, AB, SK, MB, ON
CFP® Professionals: 12 credits (Financial Planning)

Everyone saving for retirement wants to know how much to save and whether it will be enough to live on. This course gives you the information you need to answer these questions and includes details on essentials such as income sources and tax.

(Course provided by email as file to save or print off.)

CPD Credit Hours: 7
Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Professionals: 7 credits (Financial Planning)

260 questions and answers! Here is a course that provides valuable information about issues relating to retirement income presented entirely in a question-and-answer format. This makes reading easy — you’ll learn all you need to know — and you get the ongoing benefit of a resource you can use every day in client meetings and conferences.

RIGHT Answers is written in a very clear, easy-to-read style to help 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.

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CPD Credit Hours: 10
Provincial Life Credits: 10 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 10 credits in BC, AB, SK, MB, ON
CFP® Professionals: 10 credits (Financial Planning)
RIBO Credits: 5 (Management)
Institute Credits: 10
Quebec Credits: CSF: 10 PDU (3 General Subject, 6 Insurance of Persons, 1 Group Insurance)

In the words of Canadian music greats Bachman-Turner Overdrive, it is time to be “taking care of business”. Why look to business to boost your business? Easy: It is a huge market, there’s lots of product potential, and it’s a way to specialize your services.

If you sell life and disability policies now, you can add your entire local business market to your prospect list. Business owners need 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 and a Shareholder Agreement Checklist, provided by a leading Canadian business lawyer.

This is a great course that simplifies a complex subject.

(Course provided by email as file to save or print off.)

CPD Credit Hours: 5
Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Professionals: 5 credits (Financial Planning)

Look to business to boost your business! It is a huge market, there’s lots of product potential, and it’s a way to specialize your services.

If you sell life and disability policies now, you can add your entire local business market to your prospect list. Business owners need 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. Just like the 10-credit course you will learn about life and disability insurance to fund buy-outs and personal needs, and how to protect personal and corporate interests by appropriate insurance coverage.

This course will build your expertise and confidence in order to excel at the business insurance market.