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Financial Management at Your Client's Retirement


Lesson 1: Retirement Preparations

  • Getting Organized for Retirement
  • Investment Policy Statement
  • Emotional Issues Surrounding Retirement
  • There Is No “Perfect” Plan
  • Planning for Mental Incapacity
  • Retirement Income Projection

Lesson 2: Pension Plans and Taxes

  • Retiring from a Business
    • Retiring from a Partnership
  • Should a Client Opt Out of a Company Pension Plan?
    • Opting Out of a DCP or Group RRSP
    • Opting Out of a DBP
    • Opting Out from the Client’s Perspective
    • Reviewing the Facts with a Client
  • Tax Planning Strategies Available in Retirement
    • Build a Tax-Effective Portfolio
    • Undertake Tax Loss Selling
    • Pay Quarterly Tax Instalments
    • Consider a Client’s Lifetime Tax Bill
    • Assign CPP/QPP Benefits to Spouse
    • Take Advantage of the Pension Income Tax Credit
    • Use the Age of a Younger Spouse on the RRIF
    • Integrate Charitable Giving

Lesson 3: Managing Income in Retirement

  • Maturing the RRSP
    • Three Maturity Options for an RRSP
    • Partial Withdrawal of Funds from an RRSP
    • RRIFs and Ways to Maximize a RRIF
    • Pension Income Splitting
    • Common Questions on RRSPs and RRIFs
  • Annuities
    • Immediate Annuities
    • Deferred Annuities
    • Factors Affecting a Life Annuity’s Payment
    • Fixed-Term (or Term-Certain) Annuities
    • Other Types of Annuities
    • A Split Annuity Program
    • Three Strategies for Clients Buying Annuities
  • Life Income Funds (LIFs)
  • Locked-In RRSPs
  • Locked-in Retirement Income Fund (LRIF)
  • Which RRSP Maturity Option is Best?
  • Strategies to Help Clients Keep More of their OAS
  • Integrating Retirement Planning with Estate Planning
  • Conclusion
Quiz Format Online
Question Format Multiple Choice
Questions Per Quiz 20
Passing Grade 60%*
Attempts Allowed Unlimited*
Enrolment Period 6 months

* IMPORTANT: There is no maximum to the number of quiz attempts permitted, but only the first passing grade (60% or over) will appear on official web transcript.

Continuing Education (CE) Credits

Click the links below or the buttons at the top of the page on the right side to access CE accreditation information. To search for specific course information, press Ctrl + F and then enter the course name to search the document for the information you are interested in.

National/Provincial (Excluding Quebec)
Download CE Chart (PDF, 163 kb)

Quebec (IQPF/CSF)
Download IQPF/CSF Chart (PDF, 182 kb)

Please note: While CSI makes every effort to ensure that the information is up-to-date, we are unfortunately unable to fully guarantee its accuracy. The information listed in the charts above may be subject to change.

For details on the organizations and other information on CE Credits listed in the above charts, please click here.