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The Personal Financial Planner's Manual™ - Printed-Version

  • $29500

The Personal Financial Planner's Manual™ will guide you through current and up-to-date concepts, definitions and strategies required to address client’s needs with examples as to how they apply to client situations that you would find on the examinations

If you prefer the Electronic-Version that runs on a Windows PC, click here

The Manual includes 67 chapters addressing the components of financial planning as defined in the CFP® and the PFP® Professional Competency Profiles: financial planning practices, financial management, tax planning, investment planning, education planning, risk management, retirement planning and estate planning. 

To see how the Manual is written, you can review this Chapter on Registered Education Savings Plans.

"I relied entirely on the Personal Financial Planner's Manual as my study material during preparation for the CFP® Exam. I found the material very detailed, technically sound and insightful. Your preparation guide was particular helpful in focusing my study time.

In my financial planning practice, I have made reference to the Manual on numerous occasions. I keep it on my credenza within arm's reach. The manner in which the material is presented is very applicable to everyday situations and I apply the concepts outlined with ease."

Jonathan Roung, CFP®, PFP, Senior Financial Advisor | CIBC Imperial Service

To ensure that The Manual is complete and accurate, we talk to candidates who have written the Examinations, review the changes to the Competency Profile, review draft legislation to change the Income Tax Act and other relevant legislation, and read the Canadian financial press and many specialized websites.

 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 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 expectancy, 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 expectancy, tax considerations, and strategies.
  • RRSPs and DPSPs
    Qualified investments, contribution limits, earned income, carry forward, excess contributions, rollovers, and strategies to maximize benefits.

You can use the Manual as a reference service to keep your knowledge current and meet your continuing education requirements.

Terms of Sale for Electronic Version

The purchase price is $295 for a one year license including quarterly updates. The purchase price is subject to the appropriate provincial HST or federal GST 

    Terms of Sale for Printed Version

    The purchase price is $295 with regular shipping and handling charges of $35. For residents of all provinces and territories, except Newfoundland and Labrador, the purchase price is subject to federal GST.

    Trade Mark

     The Personal Financial Planner's Manual™ is a trade mark of D. R. Gobeil & Associates Ltd.

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