Program Modules

Basic Financial Concepts
Certain basic concepts are essential to understanding the importance of strategic planning. Recognizing the impact of such factors as inflation, compounding, real rates of return, and demographic influences are a sound starting point.

Taxes And Tax Planning
Knowing how the Canadian tax system works and what can be done to reduce the amount of tax that is paid is the focus of this module. Suggested strategies illustrate how Canadians can keep more of their money working for themselves, resulting in significant long-term benefits.

Budgeting, Cash Flow and Debt Management
Major expenses such as mortgages, car loans and the costs of raising a family are high at a time when people are getting started. How can they balance these obligations while trying to enjoy their current lifestyle and save for the future?

Managing Risks
This session deals with the risks that can impair or stop an individual's earning power. Specifically, the topics of life, disability and critical illness insurance are examined.

Planning For The Future
Although such things as retirement and tuition costs may seem to be far off in the future when you’re just starting out, small sacrifices made today can foster huge results down the road. Having a plan and starting early are two key messages covered in this section.

Investing and Portfolio Structure
What is the best approach to investing in order to balance risk and return? This session deals with investment alternatives, the costs of investing and the portfolio approach that differentiates investing from speculating.

Sources Of Retirement Income
This material examines the best use of personal assets, government entitlements and employer sponsored programs in structuring retirement income.