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Advanced

Advanced Level (under improvement)

Not currently available

1) Accounting vocabulary

  • Companies
  • Trusts
  • Financial statements
  • Ratios
  • Fiscal year
  • Book value -vs- fair market value (FMV)
  • Accounting -vs- finance -vs- economy)

2) Fiscal vocabulary

  • Deemed disposition
  • Effective -vs- marginal tax rate
  • Income
  • Donations
  • Dividends
  • Capital gains and losses
  • Investment income tax system
  • Fringe benefits
  • Taxable benefits

3) Types of planning

  • Budgetary
  • Fiscal (tax)
  • Retirement
  • Asset accumulation
  • Branch office
  • Testamentary
  • Asset protection
  • Mortgage

4) Risk management

  • Life and disability
  • Change in capital
  • Interest rates changes
  • Exchange rate
  • Tax modification
  • Debt ratio
  • Income losses

5) Cash flow movement – Family structure

  • Dividends
  • Capital dividend
  • Tax-free dividend
  • Bonus
  • Income
  • Personal, corporate and trust tax rates

6) Investment account types

  • Regular account
  • Margin account
  • U.S. currency account
  • Corporate account
    • RRSP account
    • Spousal RRSP account
    • TSFA account
    • RESP account
    • LIRA and LIF accounts
    • RIF account

7) Investment products

  • Common shares
  • Preferred shares
  • Bonds, G.I.C.s, term deposits
  • Convertible debentures
  • Mutual funds
  • Principal protected notes (PPN)

8) Insurance products

  • Life insurance (temporary / permanent / partnership)
  • Disability insurance
  • Critical illness insurance
  • Annuity
  • Surrender value
  • Segregated funds

9) Legal aspects and documents

  • Trust agreement
  • Shareholders’ agreement
  • Will
  • Mandate in case of incapacity
  • Marriage contract

10)  Use of credit, debt management

  • Savings
  • Short term debt
  • Financial leverage
  • Mortgage or RRSP
  • Debt ratio
  • Buy or rent a car
  • Scholarship loan
  • RRSP loan

11) Economy and investment strategies

  • Global asset allocation
  • The four phases of the economic model
  • How the financial system works
  • Intervenening parties (businesses, individuals, governments)
  • To follow the matrix on economy
  • To target the inverstor’s personal profile
  • Performance goals
  • Investment horizon
  • To manage the financial risk
  • Tax impacts
  • Guarantees applied to products and institutions
  • Chosing financial advisors
  • Governments interventions
  • Main indicators
  • Fundamental analysis
  • Technical analysis
  • Growth, value, conditional prepayment rate (CPR)

12) Family assets

  • Main residence
  • Cottage in the United-States
  • Cars
  • Management enterprises and corporations
  • Investment portfolio
  • Insurance policies