Effective January 1, 2026, the proficiency rules applicable to Investment Dealer Approved Persons with CIRO have changed. This course is no longer acceptable for the purposes of CIRO approval with an Investment Dealer.
For more information, visit the CIRO Proficiency website.
What will you learn about?
- Wealth management as a distinct practice in today’s financial services environment
- Ethics, a framework for ethical decision-making, and consequences of non-compliance
- Getting to know your clients when creating a comprehensive budget and savings plans
- Calculating the time value of money for various purposes
- Various forms of credit and steps advisors take to evaluate a client’s creditworthiness
- Issues that arise from relationship breakdown
- Personal risk management as part of a fully integrated wealth management plan
- Taxation issues, tax planning, tax-effective investments, and tax minimization strategies
- Registered accounts that are set up as savings vehicles for retirement
- Government programs and annuity-based products that provide pension income and other retirement benefits
- Estate planning under Canadian laws
- Fintech
- Estate planning under Canadian laws
- Specific steps in the portfolio management process
- Asset allocation strategies that best suit your clients’ goals and objectives
- Debt and equity securities and managed products
- Steps involved in monitoring and evaluating portfolio performance
What is the course syllabus?
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Topics covered in this chapter are:
- Wealth Management in Canada
- Wealth Management Services in Canada
- Key Trends Shaping the Future of Wealth Management
- Regulatory Environment
- Competencies of Successful Wealth Advisors
- The Wealth Management Process
- Building a Team of Specialists
Topics covered in this chapter are:
- Ethics in the Financial Services Industry
- Types of Ethical Dilemmas
- Resolving Ethical Dilemmas
- Code of Ethics
- Trust, Agency, and Fiduciary Duty
- What Can Happen when an Advisor Ignores Ethics
Topics covered in this chapter are:
- Information Required by Regulation and Law
- Going Beyond the Regulatory and Legal Minimum
- The Client Discovery Process
Topics covered in this chapter are:
- Analyzing Personal Financial Statements and Savings Plan
- Time Value of Money
Topics covered in this chapter are:
- Credit Planning
- Residential Mortgages
- Key Financial Factors to Consider When Purchasing a Home
- Methods of Reducing Interest Costs and Penalties
- Related Mortgage Topics and Financial Planning Issues
Topics covered in this chapter are:
- Family-Related Issues
- Fundamental Aspects of Family Law
- Domestic Contracts
- Property Issues on Relationship Breakdown
- Impact of Divorce on a Client’s Financial Plan
Topics covered in this chapter are:
- Strategic Wealth Preservation: The Big Picture
- Risk in the Context of Strategic Wealth Management
- Measuring Risk
- Identifying Risk within a Client’s Net Worth
- The Family Life Cycle
- The Personal Risk Management Process
Topics covered in this chapter are:
- Financial Planning and Taxation
- Personal Income Tax Returns
- Taxation of Investment Income
- Taxable and Non-Taxable Employee Benefits
Topics covered in this chapter are:
- Techniques to Minimize Taxes
- Tax-Free Savings Accounts
- Registered Plans Used for Non-Retirement Goals
- Incorporation
Topics covered in this chapter are:
- Preparing to Fund Retirement
- An Overview of Registered Retirement Savings Plans
- Registered Retirement Savings Plan Contribution Rules
- Management of RRSP Accounts
- What Clients Should Know About their Registered Retirement Savings Plans
Topics covered in this chapter are:
- Employer-Sponsored Pension Plans
- Funding Retirement
Topics covered in this chapter are:
- Canada and Quebec Pension Plans
- Old Age Security Program
Topics covered in this chapter are:
- Planning for Financial Security in Retirement
- Retirement Income Needs Analysis
- Tax-Minimization Strategies
- Questions to Consider When Advising Clients on Retirement Planning Process
Topics covered in this chapter are:
- Understanding Annuities
- Types of Annuities
- Segregated Funds
- Guaranteed Minimum Withdrawal Benefit Contracts
Topics covered in this chapter are:
- Passing on the Estate
- Other Factors to Consider when Making a Will
- Probate Procedures to Validate a Will
- Powers of Attorney and Living Wills (Advance Health Care Directives)
- Considerations when Dealing with Vulnerable Clients
Topics covered in this chapter are:
- Trusts
- Taxation
- General Issues to Consider for Estate Planning
Topics covered in this chapter are:
- Fintech
- Robo-Advisory Services
- Smart Beta ETFs
- Responsible Investment
Topics covered in this chapter are:
- Steps in the Portfolio Management Process
- Individual Securities or Managed Products?
- Portfolio Theory
- International Investing
Topics covered in this chapter are:
- The Asset Allocation Process
- Issues in Asset Allocation
- Strategic Asset Allocation
- Rebalancing
- Tactical Asset Allocation
Topics covered in this chapter are:
- Characteristics of Equity Securities
- Equity Markets
- Introduction to Equity Analysis
- Industry Analysis
- Company Analysis and Equity Valuation
- Technical Analysis
- Equity Strategy
Topics covered in this chapter are:
- Characteristics of Debt Securities
- Types of Debt Securities
- Risks of Debt Securities
- Debt Market Trading Mechanics
- The Term Structure of Interest Rates
Topics covered in this chapter are:
- Bond Market Pricing
- Bond Price Volatility
- Debt Security Strategies
Topics covered in this chapter are:
- The Role of Managed Products in Investment Management
- Mutual Funds
- Wrap Products
- Exchange-Traded Funds
- Hedge Funds
- Fees, Portfolio Turnover, and Taxes
- Overlay Management
- Outcome-Based Investments
Topics covered in this chapter are:
- Portfolio Monitoring
- Portfolio Performance Evaluation
How will you learn?
CSI’s online learning system helps you meet your study goals. You’ll benefit from:
- Textbook readings available in PDF, e-book and printed format
- Course materials accessed through your computer, laptop, tablet, or phone, or by downloading the e-book for offline reading
- Learning objectives that help you to keep the learning focused
- Annual course updates to ensure that the learning material reflects the most current and best practical material
- Reflective scenarios to help guide your studies through each chapter
- Online activities that include review questions for each chapter, section quizzes and integrated case studies to help you assess your progress
- Online interactive discussion forums, including access to assistance from CSI’s academic support specialists
Course Completion, Wall Certificate and Digital Badge
Upon successfully completing this course, you will be able to download a Notice of Course Completion available through your student profile. This will remain on your profile as formal confirmation of course completion.
You can also accept a digital badge through your student profile after successful course completion. Digital badges are portable image files that allow you to share your credentials across the web. You can post them to your email signature, personal website, social media channels—even to electronic copies of your resume.
CSI will mail you a wall certificate within 4 – 6 weeks of course completion. Frames to display your certificate are available. Please ensure that your First and Last Name on your profile matches your First and Last Name on your Government Issued Photo identification – this will ensure you receive an accurate certificate.
CSI will be pleased to issue an Honours Certificate to all students who obtain a final course mark of 85% or higher.