The Personal Financial Planner's Manual™

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.

Trade Mark

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