30 Credit Package: The Big Deal

This course focusses on what actions comprise conflict of interest (COI) for investment advisors and insurance agents, how they can be managed and mitigated, and the personal development efforts you can undertake to help defeat COI from arising.

You will complete this course with:

• Constructive ideas to implement to avoid COI in your behaviour;
• Important insight on how COI develops and how it can be mitigated personally and professionally;
• Answers to some of the big issues about COI and its insidious effects on advice and professional conduct;
• Valuable case studies to illustrate COI and its outcome.

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.

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.

Investors deserve the best possible conduct and business practices by the participants in the investment industry. Protection of seniors and vulnerable clients is a particularly key priority. This focus does not eliminate the need for remaining investors to also be protected.

This course delves into key principles of investor protection with details about:

• The trusted contact person requirement;
• The appropriate assessment of client risk;
• Elimination of conflict of interest;
• Market integrity;
• The proper handling of complaints.

These subjects equip you with the knowledge to perform ethically and to the highest standard.

Insurance regulators have issued new guidance for conduct with directions and instructions about what to do and how to do it.

This course provides:

• A discussion on fairness and its practice;
• Expectations for conduct;
• Key ideas on how to achieve the conduct expected of you;
• A checklist of good practices;
• How to implement win-win behavioural principles;
• The reasons good conduct matters.

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.

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

• 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.