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The Personal Financial Planner's Manual™

The Personal Financial Planner's Manual™

  • $35500

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

The Manual includes 65 chapters addressing the components of financial planning as defined in the CFP® Competency Profile: financial planning practices, financial management, tax planning, investment planning, education planning, risk management, retirement planning and estate planning.

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 that you could find in your practice.

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

The Manual is available in electronic-format as a Windows computer program that you install on your computer and that manages a series of PDF files with the 2,000 pages of the Manual. It is also available in paper-format included in three binders.

The Manual is updated four times per year. Each Quarterly Update of 200 or more pages includes chapters that are revised to include changes and proposed changes to legislation, to keep the examples and rates current, and to expand on topics of interest.  Click here to view the latest changes to the PFP Manual.

To ensure that The Manual is complete and accurate, we talk to candidates who have written the CFP® Examinations, review the changes to the CFP® 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. The Manual is also distributed by The Chartered Professional Accountants of Canada (CPA Canada), the national organization established to support a unified Canadian accounting profession.

To keep your knowledge current and meet your continuing education requirements, we include a self-study course as part of each Quarterly Update. Each self-study course requires you to read certain chapters included in the Update and pass a multiple-choice exam. Each self-study course will require at least 6 hours of your time and provide you with 6 credit hours.

Table of Contents

You can view the table of contents here.



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.

Terms of Sale for Electronic Version

Your license to use the Manual for one year includes the quarterly updates. We will notify you when an update is available for you to download. When your license is up for renewal, we will email you an order form. The initial purchase price of a one year license is $355. The renewal of a one year license is $225. For those provinces that charge HST, the purchase price is subject to the provincial HST. For those provinces that do not charge HST, the purchase price is subject to the federal GST

    Terms of Sale for Paper Version

    Your purchase of the printed version of the Manual does not include the quarterly updates. When the next update is available, we will send you an order form . You can then decide if you wish to purchase the updates. The initial purchase price is $355, the Annual Update Service is $225, individual updates are available for $60 and the complete content of The Manual is $215. Only a previous purchaser may purchase the Annual Update Service, individual updates and the complete contents of The Manual. The regular shipping and handling charges are $45. For residents of all provinces and territories, except Newfoundland and Labrador, the purchase price, shipping and handling are only subject to the federal GST.

    Trade Mark

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