The Personal Financial Planner's Manual™
Concise, Practical Information
- Disability insurance
Probabilities of disability, the provisions in policies, individual versus group plans, strategies to obtain adequate, and tax implications.
- Education
Tuition fees and room and board at universities, RESPs, CESGs and the Canada Student Loans, and tax considerations.
- Employee benefits
Statistics on income and taxes in Canada, employment law, and taxation of employee benefits.
- Estate planning
The planning process, spousal and testamentary trusts, wills checklist, a sample will, and tax considerations.
- Income tax
Tax tables, calculations of tax, automobile benefits, deadlines, recent changes and tax planning considerations.
- Investments
Strategies and selection criteria for CSBs, T-Bills, term deposits, common shares, preferred shares, warrants, calls and puts, Canadas, corporate bonds, mutual funds, and mortgage-backed securities.
- Life insurance
Analysis of life insurance needs, life expectancies, the provisions in term, whole life, universal and group insurance contracts, CPP benefits, tax considerations, and strategies to reduce risk and cost.
- Lifestyle expenditures
Guidance on expenditures including budgeting practices, family expenditures in Canada, CPI information, and strategies for reducing expenditures.
- Mortgage and housing
Costs of home ownership, mortgages, tax considerations, strategies for purchasing and financing a home, and a national survey of housing prices.
- Pensions
Types of plans, pension contributions, regulations, funding, benefits, strategies and sources of information.
- Portfolio design
Profile of the investor, investment characteristics, income tax considerations, strategies, reporting on investment performance, and a portfolio design checklist.
- Professional standards
Emerging professional standards for the conduct of a PFP practice, acceptance of an engagement, and preparation of personal financial statements.
- Quick reference
Current federal and provincial tax rates, prescribed interest rates, amounts and rates for CPP, OAS and EI.
- Retirement issues
The retirement planning process, retirement income projections, retirement savings plans, life expectancies, tax considerations, and strategies.
- RRSPs and DPSPs
Qualified investments, contribution limits, earned income, carry forward, excess contributions, rollovers, and strategies to maximize benefits.
Return to description
