Chapter 1: Wealth Management Today
- 1.1 Wealth Management in Canada
- 1.2 Wealth Management Services in Canada
- 1.3 Key Trends Shaping the Future of Wealth Management
- 1.4 Regulatory Environment
- 1.5 Competencies of Successful Wealth Advisors
- 1.6 The Wealth Management Process
- 1.7 Building a Team of Specialists
Chapter 2: Ethics and Wealth Management
- 2.1 Ethics in the Financial Services Industry
- 2.2 Types of Ethical Dilemmas
- 2.3 Resolving Ethical Dilemmas
- 2.4 Code of Ethics
- 2.5 Trust, Agency, and Fiduciary Duty
- 2.6 What Can Happen When an Advisor Ignores Ethics
Chapter 3: Getting to Know the Client
- 3.1 Information Required by Regulation and Law
- 3.2 Going Beyond the Regulatory and Legal Minimum
- 3.3 The Client Discovery Process
Chapter 4: Assessing the Client's Financial Situation
- 4.1 Analyzing Personal Financial Statements and Savings Plan
- 4.2 Time Value of Money
Chapter 5: Consumer Lending and Mortgages
- 5.1 Credit Planning
- 5.2 Residential Mortgages
- 5.3 Key Financial Factors to Consider When Purchasing a Home
- 5.4 Methods of Reducing Interest Costs and Penalties
- 5.5 Related Mortgage Topics and Financial Planning Issues
Chapter 6: Legal Aspects of Family Dynamics
- 6.1 Family-Related Issues
- 6.2 Fundamental Aspects of Family Law
- 6.3 Domestic Contracts
- 6.4 Property Issues on Relationship Breakdown
- 6.5 Impact of Divorce on a Client’s Financial Plan
Chapter 7: Personal Risk Management Process
- 7.1 Strategic Wealth Preservation: The Big Picture
- 7.2 Risk in the Context of Strategic Wealth Management
- 7.3 Measuring Risk
- 7.4 Identifying Risk within a Client’s Net Worth
- 7.5 The Family Life Cycle
- 7.6 The Personal Risk Management Process
Chapter 8: Understanding Tax Returns
- 8.1 Financial Planning and Taxation
- 8.2 Personal Income Tax Returns
- 8.3 Taxation of Investment Income
- 8.4 Taxable and Non-Taxable Employee Benefits
Chapter 9: Tax Reduction Strategies
- 9.1 Techniques to Minimize Taxes
- 9.2 Tax-Free Savings Accounts
- 9.3 Registered Plans Used for Non-Retirement Goals
- 9.4 Incorporation
Chapter 10: Registered Retirement Savings Plans
- 10.1 Preparing to Fund Retirement
- 10.2 Overview of Registered Retirement Savings Plans
- 10.3 Registered Retirement Savings Plan Contribution Rules
- 10.4 Management of RRSP Accounts
- 10.5 What Clients Should Know About Their Registered Retirement Savings Plans
Chapter 11: Employer-Sponsored Pension Plans and Funding Retirement
- 11.1 Employer-Sponsored Pension Plans
- 11.2 Funding Retirement
Chapter 12: Government Pensions Programs
- 12.1 Canada Pension Plan (CPP) and Quebec Pension Plan (QPP)
- 12.2 Old Age Security (OAS) Program
Chapter 13: Retirement Planning Process
- 13.1 Planning for Financial Security in Retirement
- 13.2 Retirement Income Needs Analysis
- 13.3 Tax-Minimization Strategies
- 13.4 Questions to Consider When Advising Clients on the Retirement Planning Process
Chapter 14: Protecting Retirement Income
- 14.1 Understanding Annuities
- 14.2 Types of Annuities
- 14.3 Segregated Funds
- 14.4 Guaranteed Minimum Withdrawal Benefit (GMWB) Contracts
Chapter 15: Wills and Powers of Attorney
- 15.1 Passing on the Estate
- 15.2 Other Factors to Consider when Making a Will
- 15.3 Probate Procedures to Validate a Will
- 15.4 Powers of Attorney and Living Wills (Advance Health Care Directives)
- 15.5 Considerations when Dealing with Vulnerable Clients
Chapter 16: Estate Planning Strategies
- 16.1 Trusts
- 16.2 Taxation
- 16.3 General Issues to Consider for Estate Planning
Chapter 17: Investment Management Today
- 17.1 Fintech
- 17.2 Robo-Advisory Services
- 17.3 Smart Beta ETFs
- 17.4 Responsible Investment
Chapter 18: Investment Management
- 18.1 Steps in the Portfolio Management Process
- 18.2 Individual Securities or Managed Products?
- 18.3 Portfolio Theory
- 18.4 International Investing
Chapter 19: Asset Allocation
- 19.1 The Asset Allocation Process
- 19.2 Issues in Asset Allocation
- 19.3 Strategic Asset Allocation
- 19.4 Rebalancing
- 19.5 Tactical Asset Allocation
Chapter 20: Equity Securities
- 20.1 Characteristics of Equity Securities
- 20.2 Equity Markets
- 20.3 Introduction to Equity Analysis
- 20.4 Industry Analysis
- 20.5 Company Analysis and Equity Valuation
- 20.6 Technical Analysis
- 20.7 Equity Strategy
Chapter 21: Debt Securities: Characteristics, Risks, Trading, and Yield Curves
- 21.1 Characteristics of Debt Securities
- 21.2 Types of Debt Securities
- 21.3 Risks of Debt Securities
- 21.4 Debt Market Trading Mechanics
- 21.5 The Term Structure of Interest Rates
Chapter 22: Debt Securities: Pricing, Volatility and Strategies
- 22.1 Bond Market Pricing
- 22.2 Bond Price Volatility
- 22.3 Debt Security Strategies
Chapter 23: Managed Products
- 23.1 The Role of Managed Products in Investment Management
- 23.2 Mutual Funds
- 23.3 Wrap Products
- 23.4 Exchange-Traded Funds (ETFs)
- 23.5 Hedge Funds
- 23.6 Fees, Portfolio Turnover, and Taxes
- 23.7 Overlay Management
- 23.8 Outcome-Based Investments
Chapter 24: Portfolio Monitoring and Performance Evaluation
- 24.1 Portfolio Monitoring
- 24.2 Portfolio Performance Evaluation

Chapter 2: Ethics and Wealth Management

In this section

Ethics in the Financial Services Industry
Explore the crucial role of ethics in Canada's financial services industry, emphasizing trust, regulatory compliance, confidentiality, and client-centric conduct under CIRO guidelines.
Types of Ethical Dilemmas
Exploring common ethical dilemmas in wealth management, including conflicts of interest, insider information, biases, and suitability issues specifically within Canada’s financial advisory landscape.
Resolving Ethical Dilemmas in Wealth Management
A comprehensive guide to structured ethical decision-making models, stakeholder considerations, and real-world applications in the Canadian wealth management landscape.
Code of Ethics
A comprehensive guide to creating, implementing, and maintaining ethical standards in Canadian wealth management, highlighting real-world examples and CIRO requirements.
Trust, Agency, and Fiduciary Duty
Explore how trust, agency relationships, and fiduciary duties shape ethical standards in Canadian wealth management, emphasizing CIRO rules and best interest principles.
What Can Happen When an Advisor Ignores Ethics
Explore the severe consequences faced by Canadian wealth advisors who violate ethical standards. From client losses to regulatory penalties imposed by CIRO, learn how ignoring ethics can erode trust and undermine the integrity of the financial system.

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