Chapter 4: Assessing the Client's Financial Situation
  
    In this section
    
      
      - 
        Analyzing Personal Financial Statements and Savings Plan
        Learn how to evaluate clients’ personal financial statements, structure their cash flows, and develop an effective savings plan according to Canadian market and regulatory norms. 
- 
        Time Value of Money in Canadian Wealth Management
        Explore why a dollar today is worth more than the same dollar in the future. Learn about present value, future value, compounding, discounting, annuities, perpetuities, and practical strategies for applying these concepts within the Canadian financial landscape. 
 
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