18 Credit: Investment Management Package

For a financial advisor, creating suitability between client and product is a challenge with which you are confronted and a means by which you prove your mettle. Whether the product you recommend and provide is insurance or investment, expectations are set for you to do the job objectively, correctly and capably.

Learn expectations and requirements for suitability:

• Plan for the effect of goals and constraints on suitability;
• Be able to prioritize client needs to align them with products;
• Understand how priorities affect decisions;
• Receive a suitability checklist to test actions and approaches.

Work towards mastering and fulfilling the suitability objective in this timely course.

The fees, charges, loads, risks, and volatility of investment funds are a constant flow of negative information on which to base a decision about fund investing. What about the other side of the coin? Mutual funds, and their insurance cousin—segregated funds—offer many positive features and advantages.

Use this course to be reminded of the good reasons for fund investing.

• 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.

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.

Risk is synonymous with uncertainty. The risk a person is willing to take is a result of his or her psychology, life experiences, social conventions, intelligence, and age amongst other factors. Where does that put you when you must gather information about the risk characteristics of a person and apply them to a product with its own risk profile? It puts you in a position in which information, analysis, and thought is required to arrive at appropriate answers.

This course delivers on risk fundamentals by covering:

• The role of disclosure to risk;
• The three measurements in a risk profile: tolerance, capacity, and need;
• The dilemma of applying risk assessment to decision-making.

If you have client-facing responsibilities for investments or insurance, you will come away with a new appreciation for the depth and breadth of risk management.