The Personal Financial Planner's Manual™

Annual Update Service with PDFs for Printed Manual


The Personal Financial Planner's Manual™  is a complete reference service for Financial Planners. You can use the Manual to keep your knowledge current and meet your continuing education requirements. The 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

The Manual includes approximately 2,000 pages comprising 67 chapters addressing the components of financial planning as defined in the Professional Competency Profiles: financial planning practices, financial management, tax planning, investment planning, education planning, risk management, retirement planning and estate planning. 

 

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.

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