Financial Planning Tutorials

Begin the introduction to the course in financial planning tutorials and set expectations for learners as they start their study.

Learn the fundamentals of financial planning, including assessing your current finances, setting smart goals, budgeting, managing debt and risk, and planning for retirement and estate planning.

Explore the time value of money by comparing compound and simple interest, computing future and present values, and analyzing effective annual rate and annuities with calculator and Excel demonstrations.

Learn money management fundamentals, including creating balance sheets and cash flow statements, budgeting for income and expenses, and building savings to improve net worth and financial security.

Explore money management fundamentals: budgeting, saving, debt payoff, and investing, including time value of money, emergency funds, net worth, and robo-advisors for starting to invest.

Gain a practical overview of tax planning in Canada, covering income tax, credits, RRSP and TFSA strategies, and the roles of CPP, OAS, education credits, and child benefits.

Plan your tax strategy to maximize after-tax cash flows by applying tax laws, deductions, credits, capital gains and losses, and registered retirement savings plan and tax-free savings account rules.

Explore how financial institutions provide cash management, savings and checking accounts, online and mobile banking, atm access, loans, investments, and insurance, with guidance on fees, liquidity, and safety.

Explore consumer credit concepts, including credit cards, consumer loans, revolving and installment credit, and the costs, benefits, and risks of borrowing, plus how FICO scores shape access.

Compare credit options by evaluating cost, apr, compounding, and loan terms across installment and revolving credit, including family or bank loans; consider consolidation, counseling, and bankruptcy as options.

Evaluate renting versus buying and understand mortgage basics, including down payments, debt service ratios, and closing costs. Learn how financing, appraisal, and location influence housing decisions and ownership.

Term life insurance offers a simple, affordable way to protect your family's future by providing a tax-free lump sum to beneficiaries if the insured dies within a set term.

Explore how insurance protects against financial loss through risk transfer and home and automobile coverage. Identify premiums, deductibles, replacement value vs actual cash value, liability, and cost-saving strategies.

Learn how home and auto insurance protect assets, cover liability, and manage risk across condo, townhouse, and detached homes, plus auto coverages like third-party, collision, and comprehensive.

Discover life and disability insurance fundamentals, including term and permanent life insurance options, premiums, and factors affecting costs. Learn to compute needs, name beneficiaries, and use riders for financial protection.

Explore life insurance concepts, who needs coverage, and types (term, whole, universal), plus buying steps, 25x yearly spending minus investments, and disability and health riders.

Discover the fundamentals of investing, from bonds, stocks, and mutual funds to risk attitudes, goals, and diversification, with a practical plan for emergency funds and growth.

Explore how bonds work, from coupons and face value to pricing, rating, and risk, and learn strategies for choosing corporate, government, and municipal bonds.

Explore how stocks work, including common and preferred shares, dividends, stock splits, and market index. Learn stock valuation, market efficiency, and investment strategies with fundamental and technical analysis.

Learn to analyze returns and risk for stocks by distinguishing ex ante and ex post returns, and compute performance using average return and cagr, plus range, variance, and standard deviation.

Master portfolio return and risk by calculating asset weights, returns, and standard deviations, accounting for correlations and beta to model multi-asset portfolios.

Learn how mutual funds pool investors' money, are managed by professional fund managers, and offer diversification, liquidity, and various fee structures across open and close-ended funds.

Plan for retirement by assessing assets and future expenses, securing government and employer pensions, and using home equity or reverse mortgages to fund living costs, while guarding against inflation.

Explore retirement planning in Canada by mapping accumulation and distribution phases, and using government benefits (CPP, OAS, GIS), home equity, pensions, and investments through practical calculators and case studies.

Learn how to build and transfer your estate through wills and trusts, appoint executors and guardians, and avoid probate, taxes, and family conflicts.

Explore how marriage and common law affect finances, including shares of income, assets, debts, and pensions, and learn estate planning essentials like wills, guardians, and prenups.

Explore fixed income securities features and types, including coupon payments, maturity, secured and debenture structures, callable and convertible bonds, sinking funds, and government, corporate, and high-yield issuances.

Explore how fixed income securities are priced through present value, yield to maturity, and coupon dynamics, including semiannual conventions, reinvestment risk, and duration-driven price sensitivity.

Learn how yield curve shapes reflect future rates through expectation theory and liquidity preference, and understand fixed income trading roles, bond types, accrued interest, and pricing dynamics with duration sensitivity.

Analyze common and preferred equity securities, their dividends and ownership rights, and learn how market mechanics (record dates, ex-dividend, settlement, and standard units) shape returns.

Explain four equity trading types—cash buy, cash sell, margin long, and margin short—covering settlement, margin calls, leverage, mark-to-market, and common order types.

Explore how IFRS shifted from gap to a principle-based framework, and learn how financial statements (balance sheet, income statement, cash flow) illuminate corporate structure and performance.

Explore how fundamental and technical analyses guide security selection, comparing macro economy, industry, and company insights with chart patterns, moving averages, and market efficiency theories.

Explore company analysis within fundamental and technical frameworks, examining financial statements and ratios to assess revenue growth, costs, profitability, liquidity, leverage, and valuation drivers.

Learn how to form a portfolio by combining securities to reduce risk and balance returns. Understand diversification, risk types, and active versus passive management.

Asset allocation drives most portfolio returns more than stock selection. Learn the seven-step portfolio management process, from objectives and constraints to asset mix, monitoring, and rebalancing.

Understand mutual fund structure and regulation, compare active and passive management, and evaluate costs, liquidity, diversification, and taxation considerations for Canadian investors.

Explore mutual fund types and features from money market to equity and specialty funds, including asset allocation, glide path, target date funds, risk, taxation, and distributions.

Explore exchange traded funds, including in-kind creation and redemption, tracking error, liquidity, tax efficiency, and types such as rule-based, synthetic, leveraged, inverse, and commodity ETFs.

Explore segregated funds with maturity protection, death benefits, and creditor protection; compare hedge funds' absolute returns, high watermark incentives, and private equity structures like labor-sponsored venture capital corporations.

Learn how structured products provide alternative financing with principal protection and insurance-like features, linking returns to indices or pools such as mortgages, while outlining five product types, risks, and liquidity.

an overview of canadian taxation on investment income, covering federal and provincial levels, types of income, capital gains, dividends, and the role of rrsp and tfsa.

Fee based accounts charge fees as a percentage of assets under management or a flat annual fee, aligning adviser incentives with performance and ensuring transparent, expanded services.

Explore the six-step financial planning process, apply life-cycle insights, ethics, and standards of conduct to craft dynamic plans balancing risk, taxation, insurance, retirement, and client constraints.

Understand how institutional clients such as pension funds, mutual funds, and endowments influence buy-side trading. Learn how sell-side dealers, portfolio managers, and traders ensure compliant, best execution market access.

Explore equity within an investment plan by understanding primary and secondary markets, building a trading plan with fundamental and technical analysis to select stocks and comply with regulations.

Define equity as ownership with a claim on profits and assets, explain why firms raise equity, and summarize shares outstanding, float, market cap, dividends, and capital gains.

Understand primary market operations, where investors buy directly from issuing companies via IPOs, FBOs, or rights issues, with valuation and underwriting guiding listing gains or losses on exchanges.

Understand how secondary markets operate, trading between investors on exchanges or over-the-counter, using cash buy/sell, margin and short selling, with stop-loss, limit orders, and bid/ask dynamics.

Apply fundamental and technical analysis to assess stocks via top-down and bottom-up approaches across economy, industry, and company. Recognize price reflects all information and use charts and indicators for decisions.

Explore stock analysis fundamentals and techniques, comparing fundamental and technical analysis, and understand market efficiency and forms. Learn how business cycles drive asset allocation and valuation signals.

Explore micro and macro economics, GDP concepts, and leading, coincident, and lagging indicators to evaluate how government, companies, and consumers drive growth.

Explore RRSP tax deferral and deductions, annual 5k contributions, 7% growth, and 0.03% MER, illustrating withdrawals taxed at retirement and the impact of reinvesting tax breaks vs taking them.

Explore how the tax-free savings account (TFSA) enables tax-free growth and tax-free withdrawals, with a yearly 6,000 contribution limit and flexible withdrawals, without tax deductions on contributions.

Explore how non-registered investment accounts are taxed, comparing interest, dividends, and capital gains, with practical examples of gross-up, dividend credits, and capital gains taxation.

Explore how an RESP grows tax deferred with a 20% grant up to 7,200. See reinvesting grants, 7% returns, and a 0.7% MER through examples Caitlyn and Harry.

Compare mutual funds and ETFs, explain open and closed funds, liquidity considerations, pricing dynamics, and how arbitrage and fees affect investor choices.

Learn to build a core and satellite portfolio by investing 60–70% in broad exchange-traded funds for core exposure and 30–40% in sector and stock picks to capture growth amid volatility.

Analyze the tech sector's prospects during a market downturn, exploring Google, IBM, Facebook, and Tesla, and the roles of cash, dividends, and balance sheets.

Learn to build a core, diversified portfolio with low-cost exchange traded funds like the S&P 500 and Nasdaq, then add thematic bets in gaming, 3D printing, robotics, and artificial intelligence.

Cash is king. Secure three months of expenses in liquid funds and set up a secured line of credit to cover emergencies, while budgeting for basics and delaying nonessential spending.

Project future earnings and compare stock prices to historic P/E to assess value, illustrated with RBC, Apple, Google, Facebook, IBM, and Microsoft.

Bitcoin offers hedge against inflation and a store of value as money printing rises, with PayPal and Square adoption boosting crypto as an asset class; consider a 10% portfolio tilt.

Learn the basics of insurance, including premiums, indemnity, and contracts, and the risk management process, plus auto insurance essentials like third-party liability, collision, comprehensive coverage, and deductibles.

Explore home insurance coverage options, including no-frills, basic, broad, and comprehensive policies, and learn replacement cost versus actual cash value, liability, and additional living expenses.

Explore how the Canada Health Act underpins public health in Canada and compare disability and long-term care insurance, including private plans, group coverage, adl criteria, and out-of-country coverage.

Explore life insurance basics, including term and permanent policies, policy ownership and beneficiary designations, premiums, underwriting, and living benefits.

Explore permanent insurance types including whole life, term to 100, and universal life, detailing cash value, policy loans, surrender charges, and group life features.

An immigrant mom builds a cloud kitchen empire in Canada, turning adversity into a $1.1 million exit through data-driven menu optimization, scalable operations, and disciplined reinvestment.

Discover a slow, steady investing path from a Kamloops plumber who built a seven-figure portfolio with index funds, ETFs, and consistent monthly contributions.

A bitcoin investor shares how a $25 2014 bet grew to over $2 million through disciplined, long-term investing, cold wallets, and practical crypto use.

Olivia builds 120k a year in passive income from rental properties and dividend-paying tech stocks, using a disciplined rule-based approach and dividend ETFs.

Discover how Pooja builds wealth through Edmonton real estate—leveraging BRRRR, suited properties, and disciplined cash flow, while diversifying with dividend ETFs for risk-managed, sustainable income.

Analyze Canada’s new economic reality shaped by policy and trade disruptions. Explore how capital flows, tech investment, and immigration affect investment decisions and living standards.

Explore Canada's health care system as a new normal, covering essential services, wait times, and the three-pillar approach—provincial coverage, employer benefits, and international health insurance in financial planning.

Explore how the trade war reshapes markets and daily life. Learn practical steps for young adults to invest in assets, seek local opportunities, and grow wealth with dividends.

Explore how retirement costs, government benefits like CPP, OAS, GIS, and tax-advantaged accounts such as RRSP and TFSA, plus first housing savings account strategies and cost-of-living arbitrage.

explore how tariff wars disrupt global trade and identify ETF opportunities across VPU, BDC, XLI, XlVi, IWM, PAVE, and GLD.

Explore how Trump's policies could affect Canadian investors, including tax cuts for Americans earning under $150,000, tariffs, inflation, and opportunities in automation, robotics, luxury real estate, and cross-border trade.

Discover how partnership unlocks tax savings with the spousal tax credit and pension income splitting, while boosting medical expense relief, housing costs, and retirement planning for couples.

Compare the presidential put with the Greenspan put and show how Trump’s tariff-driven policy challenges the market safety net, prompting central banks and policymakers to reassess crisis responses.

Explore helicopter money, coined by Milton Friedman, where newly created money is distributed directly to citizens to spur spending while bypassing traditional channels, with inflation risks noted.

Understand how the bear market trap lures investors with brief rallies during a longer downtrend. Don't chase short-term bounces; assess the bigger trend, fundamentals, and a long-term plan amid uncertainty.

Grow long-term wealth by automatically reinvesting dividends into more RBC shares through the dividend reinvestment snowball, using a drip to automate compounding and build wealth over time.

Explore the lipstick index, where economic downturns prompt consumers to substitute big purchases with affordable luxuries like lipstick, boosting cosmetic sales and mood during inflation and uncertainty.

Explores intergenerational mortgages, ultra long loans that transfer payments to descendants, with risks of debt if prices fall, as seen in Japan, the UK, and possibly Canada.

Discover how UPRO, a 3x daily S&P 500 leveraged etf, seeks amplified returns. Apply a disciplined, threshold-based strategy to buy on market drops of 5%, 10%, 15%, or 20%.

Explore the investment landscape of humanoid robots, from energy and battery tech to cloud data, suppliers, and adoption in logistics and manufacturing toward 2035.