28 Credits: Total MFD (formerly MFDA)

Serving the client’s best interest is a requirement for all those with client responsibilities. This course provides the understanding that can lead to generating best interest interactions, plans and proposals.

Learn to:

• Integrate client best-interest principles into practice and solidify your client relationships.
• Make clients a priority and confirm your professional responsibility.
• Enhance personal integrity.

Well, maybe fun is a slight exaggeration. The point here is that there are many good reasons for fund investing. Leave aside the negative aspects of fees, charges, loads, risks, and volatility of investment funds. Focus the decision about fund investing on the many positive features and advantages that funds offer.

This course puts a positive spin on the proposition you put before clients.

• Review the characteristics, features, benefits, and advantages of funds and fund investing;
• Receive insight into how funds can be used to champion a cause, interest, or belief through socially responsible investing
• Learn the ways of tailoring a fund to the aptitude and needs of the investor;
• Analyze the potential of funds for managing risk.

• Link sales with suitability for best client outcomes;
• Learn the importance of setting financial goals across all ages;
• Achieve clarity in virtual and in-person meetings and your writing;
• Measure your behaviour against common ethical standards;
• Implement best practices that pay off.

Newcomers to Canada come from many nations and arrive with far-ranging sets of needs. Insurance is a product that protects against risks faced in their new homeland. Discover the many concepts underlying the insurance offer and how to prescribe the exact solution for newcomer requirements.

• Introduce the strengths of insurance products needed by newcomers;
• Help the newcomer-client recognize the benefits of insurance for risk management;
• Develop expertise in the newcomer market by addressing the particular circumstances of newcomers.

Make the right offer…make the offer right: on conclusion of Insurance Needs of Newcomers to Canada, you will have new insight into the situation of newcomers and what you can prescribe to create a successful insurance transaction.

Retirement Decumulation focusses on the subjects of accumulation (saving for retirement) and decumulation (spending in retirement). Decumulation may be a buzz word but it is a very serious subject that describes the deterioration of retirement savings. This course addresses the contentious issues of how much needs to be saved and how retirement income is created for spending — or saving — purposes.

• Start with a review of the accumulation process and the necessity to know the client and plan for decumulation;
• Continue with a review of the factors that impact retirement;
• Conclude with a review of how to create the individual retirement pay-cheque within limitations and constraints.

From having a second look at savings strategies through to D-Day (Decumulation Day), find ideas to create a retirement paycheque for your client.

The naming of a trusted contact person (TCP) to an investment account is an excellent idea for customer and advisor alike. Although it is not a requirement, the TCP nomination has been implemented to deter financial exploitation and safeguard financial assets. As such, it seems directed towards older adults, but, in fact, is useful for people of any age and should be used by people of all ages.

In this course you will:

• Learn what the job description for a TCP is and how those duties are carried out;
• Receive the essential background on the need for a TCP and its role in risk management;
• Get pointers on initiating the TCP conversation with clients.