Category Archives: FP-Canada Approved

25-Credit FP-Canada Approved Package for CFP Certificants: Option A, B, and C:

C’Life is an FP Canada-approved CE provider and has many courses approved by the Council. The following course bundles are a shortcut for ordering the annual credit requirement to renew certification. All courses in each package are approved by FP Canada. CFP Professionals may repeat courses from one renewal cycle to the next.

These courses also provide life credits, which can be submitted to provincial regulators. All credits will display on each course Certificate.

Each of these options is a new set of approved courses for 2019!
(Courses provided by email as file to save or print off)

Option A: Six Individual Courses

After Age 71: RRSP/LIRA Options and Strategies: 5 credits (Financial Planning)
At the end of the year in which an RRSP/LIRA account owner turns 71, what’s the best way to manage the carefully accumulated account value to create income and have some money to spend?

Learn about available choices, considerations, strategies, and action plans. This practical information shows the what, how, and when of “what comes next.”

Be the Better RRSP/TFSA Advisor: 6 credits (Financial Planning)
Think the RRSP 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.

Boom! Managing Sudden Wealth: Inheritance, Home Equity, Business Proceeds (and other windfalls) – Overview Edition: 7 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 a strategy for saving, investing, insurance, and gifting.

Cyber Security: Protecting Client Privacy in Your Practice: 3 credits (Financial Planning)
Cyber incidents are increasing as a result of hacker attacks, technical failures, and employee error. This course is going to tell you concrete steps you can take to protect yourself and your clients. Includes:

  • a cyber security preparation form to assess your assets, the probability of risk, and how to identify safeguards;
  • a sample employee internet usage policy to provide a guideline for use of the company internet connection, network, and equipment;
  • details on how to limit risks when using the cloud, hosting your website, sending email, and for social media (Facebook, Twitter and LinkedIn).

Elder Abuse and the Financial Exploitation of Seniors: 3 credits (Financial Planning)
There are many blatant ways financial abuse is perpetrated on older adults, such as outright theft, and insidious ways, such as abuse of a Power of Attorney.

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. Plus you are 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.

Ethics at Work: 1 credit (Professional Responsibility)
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® professionals.

You will learn six questions to ask yourself in regards to dealings with clients to test whether your actions stand up to the expectations for ethics. As always, the case studies round out the learning and these all-new cases will hone your critical ethical decision-making skills.

Price: $279.95 – (save $44.75 over the cost of ordering the individual courses!)

Option B: Four Individual Courses

Focus on Retirement Risks: 7 credits (Financial Planning)
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.

Insurance Needs of Older Folks: 5 credits (Financial Planning)
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:

  • factors that enter into the assessment of need;
  • types of life and health insurance that should be in place;
  • how to make insurance a winning proposition in later life.

This course reinforces the uses of insurance for older adults.

Professional Responsibility and Seniors: Advisor Guidance for Ethical Practice: 3 credits (1 Professional Responsibility credit; 2 Financial Planning credits)
This course has been fully reviewed by FP Canada and approved for its mandatory professional responsibility (PR) credit. 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.

Taking Care of Business: Insurance Needs of Business Owners: 10 credits (Financial Planning)
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.

Price: $279.95 – (save $49.80 over the cost of ordering the individual courses!)

Option C: Six Individual Courses

Boom! Managing Sudden Wealth: Inheritance, Home Equity, Business Proceeds (and other windfalls) – Overview Edition: 7 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 a strategy for saving, investing, insurance, and gifting.

Do Your Best: Professional Standards, Ethical Proficiency and Principles for Conduct: 1 credit (Professional Responsibility)
This course has been fully reviewed by FP Canada and approved for its mandatory professional responsibility (PR) credit. Do Your Best identifies specific challenges that come about in practice as conflicts arise and principles are tested. Specifically, you will learn three options for dealing with conflict of interest, the ten tests to judge product information, some roadblocks to putting client interests first — and how they can be overcome.

The CPP Question: When to Start the Retirement Pension: 2 credits (Financial Planning)
Choosing the right time to begin the CPP retirement pension is a source of speculation and pain for advisors and their clients. 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.

The Financial Snapshot: Foundations of Insurance Planning: 3 credits (Financial Planning)
A financial snapshot is an overview of client financial information that gives the agent-advisor essential information to build recommendations and advice.
In this 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.

The OAS Balancing Act: Receiving and Retaining the Pension: 2 credits (Financial Planning)
Can the clawback be avoided? 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? These are just some of the questions answered in The OAS Balancing Act. You will learn details about OAS eligibility and enrolment. The focus is on understanding how and when income is determined and the steps available to reduce clawback. Learn how to address client OAS concerns knowledgeably and helpfully.

Taking Care of Business: Insurance Needs of Business Owners: 10 credits (Financial Planning)
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.

Price: $279.95 – (save $49.75 over the cost of ordering the individual courses!)

30-credit Homerun Package: Approved and Accredited for CFPs/CLUs/Life+A&S Agents

It’s a winner! This package meets the annual 25-credit CFP plus 30-credit CLU accredited and approved requirements. Each individual course also provides Life/A&S credits in all provinces (except Quebec). The package provides the ability to take one set of courses instead of two or three and to, correspondingly, save time and money.

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

Insurance Needs of Older Folks: 5 FP Canada (approved) + 5 Institute (accredited)
This course delivers information relevant to your insurance sales and service. Learn the reasons for insurance post-retirement and put what you learn into practice.

Basic Concepts of Canadian Life Insurance: 3 FP Canada (approved) + 3 Institute (accredited)
Know your life products and procedures with insurance terms and requirements for disclosure.

Be a Better Advisor This Year: 5 FP Canada (approved) + 5 Institute (accredited)
Understand and anticipate client needs for insurance and investment products with practical ideas in this course.

Financial Fraud: How to Protect Yourself, Your Clients and Your Business from Financial Fraud: 7 FP Canada (approved) + 7 Institute (approved)
Fraud affects us all. Learn how to recognize fraud, how you can help prevent fraud, and what to do if you, your clients, or your business becomes a victim.

Privacy Practices for the Financial Services: 3 FP Canada (approved) + 3 Institute (accredited)
Here is a course loaded with practical advice for instilling privacy safeguards.

Probate Planning: 3 FP Canada (approved) + 3 Institute (approved)
Learn planning opportunities that can reduce probate and increase net proceeds from estates.

Professional Responsibility and Seniors: Advisor Guidance for Ethical Practice: 3 FP Canada (approved) + 3 Institute (accredited)
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.

Start the Responsible Investing (RI) Conversation: 1 FP Canada (approved) + 1 Institute (approved)
Your clients want you to initiate the discussion about responsible investing. This course gets you started and discusses the importance of RI for risk management.

Price: $329.95 (save $49.65 over the cost of ordering the individual courses!)

 

Act on Money Laundering


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

Provincial Life Credits: 1 credit in BC, AB, SK, MB, ON
Provincial A&S Credits: 1 credits in BC, AB, SK, MB, ON
CFP® Certificant: .5 credit (Financial Planning); .5 credit (Practice Management)
Institute Credits: 1
Quebec Credits: CSF: 1 PDU (1 Compliance)
CECAP / IIROC: 0.75 credits (Compliance)

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.

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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Price: $19.95

After Age 71: RRSP/LIRA Options and Strategies


Print

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

Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Certificant: 5 credits (Financial Planning)
Institute Credits: 5 credits

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 information shows the what, how, and when of “what comes next.” It will help you be a better advisor.

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Price: $69.95

Basic Concepts of Canadian Life Insurance


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

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
Quebec Credits: CSF: 3 PDU (3 in Insurance of persons)

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. Get the deal done!

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Price: $39.95

Be a Better Advisor This Year


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

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 BC, AB, SK, MB, ON
Institute Credits: 5
Quebec Credits: CSF: 5 PDU (1 Compliance, 4 Insurance of Persons)

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.

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Price: $64.95

Be the Better RRSP/TFSA Advisor


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

Provincial Life Credits: 6 credits in BC, AB, SK, MB, ON
CFP® Certificant: 6 credits (Financial Planning)

The market for RRSP and TFSA sales has lots of opportunity if you can simply explain the benefits of these accounts and answer the question: which one is best?

You’ll be able to respond to that question knowledgably and with confidence after you read this course. You will understand each form of account better, its pros and its cons, and how each one can best serve the needs of your customer.

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. Be the better RRSP/TFSA advisor, starting now.

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Price: $69.95

A Big Issue: Your Older and Aging Clients and Their Mental Capacity


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

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)

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.

  • How will you recognize dementia or Alzheimer’s in your client?
  • How many of your clients might be affected?
  • What is your responsibility to your client?
  • What can, and will you do — and when?
  • Is there a role for insurance?

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

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Price: $64.95

The CPP Question: When to Start the Retirement Pension?


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

Provincial Life Credits: 2 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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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Price: $29.95

Countdown to Retirement


7 FPSC

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

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

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Price: $79.95

Cyber Security: Protecting Client Privacy in Your Practice


3_FPSC

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

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 (Practice Management)
Institute Credits: 3

Cyber incidents are increasing as a result of hacker attacks, technical failures, and employee error. The question facing individuals like you and organizations today is not if you will suffer a cyberattack but when.

You have a requirement under the Personal Information Protection and Electronic Documents Act (known generally as PIPEDA) to protect client personal information and allow it to be disclosed only under very specific circumstances. This course is going to tell you concrete steps you can take to protect yourself and your clients.

You will receive:

    • a cyber security preparation form to assess your assets, the probability of risk, and how to identify safeguards;
    • a sample employee internet usage policy to provide a guideline for use of the company internet connection, network, and equipment;
    • details on how to limit risks when using the cloud, hosting your website, sending email, and for social media (Facebook, Twitter and LinkedIn).

This course is going to help you create an environment of cyber safety through knowledge of how you are vulnerable and what you can do in self-defense.

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Price: $39.95

Do Your Best: Professional Standards, Ethical Proficiency and Principles for Conduct


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

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)
CFP® Certificant: 1 credit (Professional Responsibility)
General Credits: 1 credit in BC, AB (pending), SK, MB, ON
Institute Credits: 1
CECAP / IIROC: 0.50 credits Compliance

Being in the business of providing financial advice to clients brings many challenges. This course identifies 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 FPSC® for CFP® Certificant:s. 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 road blocks 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 real-life role and responsibilities.

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Price: $24.95

Elder Abuse and the Financial Exploitation of Seniors


3_FPSC

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

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

Elder Abuse Ontario states that most financial abuse is perpetrated by family members. Elder financial abuse is not always as obvious as the beloved granddaughter who borrows $1,000 from grannie and conveniently forgets to repay the loan.

This course addresses older adults because it isn’t just the elderly and feeble who fall victims to financial abuse. There are many blatant ways financial abuse is perpetrated on older adults, such as outright theft, and insidious ways, such as abuse of a Power of Attorney.

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. Plus you are 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’re an advisor with a responsibility for older adult clients, you’ll find a wealth of valuable advice in this timely and practical course.

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Price: $39.95

Estate Planning for Retirees


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

Provincial Life Credits: 5 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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. A focus on insurance products and structure ensures you will equip your clients with insurance designed to meet their needs.

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Price: $64.95

Ethics at Work


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

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 (Professional Responsibility)
Institute Credits: 1 credit (pending)

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® Certificant:s. However, the case studies and general course content can benefit all financial advisors.

You will learn six questions to ask yourself in regards to dealings with clients to test whether your actions stand up to the expectations for ethics. 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.

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Price: $24.95

Financial Fraud: How to Protect Yourself, Your Clients and Your Business from Financial Fraud


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

Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Certificant: 7 credits (Financial Planning)
General Credits: 7 credits in BC, AB, SK, MB, ON
RIBO Credits: 7 (Technical)

Every email you receive that urges you to respond to important information about your bank account, or that you have won a lottery, 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.

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Price: $79.95

The Financial Snapshot: Foundations of Insurance Planning


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

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
Quebec Credits: CSF: 3 PDU (1 General subject , 2 Insurance of Persons)

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:

  • 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.

Click Here for More Info…

Price: $39.95

Five Simple Financial Resolutions


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

Provincial Life Credits: 6 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 6 credits in BC, SK, MB, ON
CFP® Certificant: 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!

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Price: $69.95

Focus on Retirement Risks


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

Provincial Life Credits: 7 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 7 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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.

Click Here for More Info…

Price: $79.95

Insurance Needs of Older Folks


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

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)
Institute Credits: 5 credits

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:

  • factors that enter into the assessment of need;
  • types of life and health insurance that should be in place;
  • how to make insurance a winning proposition in later life.

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.

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Price: $69.95

Mastering the Life Insurance Sales Process


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

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 (Financial Planning)

Provincial regulators are taking note. Advisor sales practices must comply with needs’ assessment and requirements for product recommendations. Be ready if you are challenged: take Mastering the Life Insurance Sales Process for 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!

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Price: $19.95

The OAS Balancing Act: Receiving and Retaining the Pension


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

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

How can the clawback be avoided? 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? Do immigrants qualify? Do emigrants qualify?

These are just some of the questions answered in The OAS Balancing Act. You will learn details about OAS eligibility and enrolment. The focus is on understanding how and when income is determined and the steps available to reduce clawback. Learn how to address client OAS concerns knowledgeably and helpfully.

Course features month-by-month pension increase post-65.

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Price: $29.95

Privacy Practices for the Financial Services


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

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 (1.5 Financial Planning; 1.5 Practice Management)
General Credits: 3 credits in BC, AB, SK, MB, ON
Adjusters: 3 credits in AB
RIBO Credits: 3 (Management)
Institute Credits: 3
Quebec Credits: CSF: 3 PDU (3 in Compliance)

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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Course Price: $39.95

Probate Planning


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

Provincial Life Credits: 3 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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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Price: $39.95

Professional Responsibility and Seniors: Advisor Guidance for Ethical Practice


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

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: 1 credit (Professional Responsibility) + 2 bonus Financial Planning credits
Quebec Credits: CSF: 3 PDU (3 Compliance)
Institute Credits: 3 credits
CECAP / IIROC: 2 credits (Compliance)

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.

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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.

Price: $24.95

Red Flags of Unethical Conduct: Case Studies Laid Open for Learning


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

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 (Professional Responsibility)
General Credits: 1 credit in BC, AB, SK, MB, ON
Institute Credits: 1
Quebec Credits: CSF: 1 PDU (1 in Compliance)

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 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.

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Price: $24.95

Sound Business Practices for Life Agents to Stay Compliant


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

Author: J-P Bernier

Provincial Life Credits: 2 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 2 credits in BC, AB, SK, MB, ON
CFP® Certificant: 2 credits (Financial Planning)
Institute Credits: 2 credits

In this course, J-P reviews the fundamentals of compliance and gives practical instruction for sole practitioners or larger companies 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! The agent/advisor gets both the benefit of “why-to” and “how-to” in logical, easy-to-follow instructions and advice.

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Price: $29.95

Start the Responsible Investing (RI) Conversation


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

Provincial Life Credits: 1 credit in BC, AB, SK, MB
CFP® Certificant: 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.

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Price: $19.95

Taking Care of Business: Insurance Needs of Business Owners


10 FPSC

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

Provincial Life Credits: 10 credits in BC, AB, SK, MB, ON
Provincial A&S Credits: 10 credits in BC, AB, SK, MB, ON
CFP® Certificant: 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)
CECAP/IIROC: 8 credits PD

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.

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Price: $124.95

Women: Their Financial and Insurance Needs


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

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

When we began preparation of this course we had doubts about whether women really had different financial circumstances and needs than men. We were wrong. 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.

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Price: $79.95