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PFP Manual - Electronic Version Not used

  • $29500

This is a one-year license for the electronic version of the Personal Financial Planner's Manual™, which includes four quarterly updates to ensure your information is kept current. 

This version requires a PC running Windows XP or later.

You may be one of the candidates who learns best by simply reading the material subject to examination. The Manual contains all of the concepts, definitions, formulas required by the Competency Profiles plus extensive examples of how they apply.

The Manual will guide you through current and up-to-date concepts, definitions, formulas and strategies with examples as to how they would apply to client situations that you would find on the examinations.

The Manual includes 67 chapters addressing the components of financial planning as defined in the CFP® and PFP® Professional Competency Profiles.

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 a computer program that manages a series of PDF files with the 2,000 pages of the Manual.

Each Quarterly Update of 200 or more pages includes include changes and proposed changes to legislation, to keep the examples and rates current, and to expand on topics of interest.

To ensure that The Manual is complete and accurate, we talk to candidates who have written the Examinations, review the changes to the Competency Profiles, 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 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.
  • 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.

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

Terms of Sale 

The initial purchase price of a one year license including the quarterly updates is $295. The renewal of a one year license is $195. 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

    Trade Mark

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




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