Canadian accounts
Learn the difference between an account and the investments held inside it.
Explore accounts →Foundations before forecasts
Learn, practise and build a repeatable process.
Each module combines a Canadian factual foundation with an applied scenario, decision framework, private action plan and completion check.
Eighteen applied modules
Move beyond reading.
Use private workbenches and realistic decisions without submitting financial details or personal accounts. Save your progress locally on your device, and unlock verifiable credentials when you complete modules.
Risk and diversification
Understand why uncertainty cannot be removed—and why concentration deserves attention.
Understand risk →Fees and compounding
See why small annual costs can create a large long-term difference.
Explore fees →Types of investments
Stocks, bonds, GICs, mutual funds and ETFs behave differently and may contain different risks and costs.
Compare investment types →DIY or advised
Compare the time, control, cost and support involved in managing decisions yourself or working with a registered adviser.
Compare approaches →Fraud and hype
Learn to question urgency, guaranteed returns, social proof, secrecy and unregistered sellers.
Recognize warning signs →Build a simple plan
Turn the foundation into a private, printable research process without receiving a product or allocation recommendation.
Create a research plan →Budgeting and cash flow
Map a complete month, test cash-flow pressure, plan irregular costs by paycheque and save a private action checklist.
Build a cash-flow plan →Debt and credit
Compare borrowing costs, understand minimum payments and build a private payoff decision without assuming one strategy fits everyone.
Explore debt decisions →Workplace benefits
Compare salary, employer contributions, coverage, paid time and plan conditions as part of total compensation.
Compare total compensation →Canadian tax fundamentals
Separate account rules from investments and verify current contribution, withdrawal and reporting considerations.
Explore tax fundamentals →Retirement readiness
Build a range of retirement scenarios using income sources, spending, timing, risks and flexibility.
Explore retirement readiness →Build your personal investor plan
Bring goals, constraints, evidence and review rules into one private, repeatable decision process.
Build your plan →Housing vs. Market Investing
Compare real estate ownership with market investing, FHSA/HSA rules, and unrecoverable costs.
Explore housing vs. investing →ETF & Index Fund Deep-Dive
Inspect ETF holdings, expense ratios, tracking error, currency hedging, and cross-border taxes.
Inspect ETF details →Tax-Optimized Rebalancing
Maintain target asset allocations, tax-loss harvest responsibly, and optimize asset location.
Explore rebalancing →Behavioral Psychology
Recognize loss aversion, recency bias, and FOMO. Set up systematic automated market defense rules.
Master market psychology →Estate & Beneficiary Basics
Understand primary and successor beneficiaries, probate avoidance, power of attorney, and legacy planning.
Explore estate basics →STAGE 05 / HIGH NET WORTH & ADVANCED TAX
Professional-quality Canadian Playbooks
Move beyond the foundational 18 modules. Explore rigorous tax arbitrage, corporate wealth structuring, defined benefit pension commutations, and family income splitting with interactive execution workbenches.
PREMIUM PLAYBOOK 12
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Defined Benefit vs. Commuted Value
Master the high-stakes $500k�$1.5M choice: guaranteed lifetime pension vs. commuted lump sum. Evaluate Reg 8517 MTV tax haircuts, 50% LIRA unlocking, and breakeven return rates.
Explore Pension Commutation →
PREMIUM PLAYBOOK 13
???? Canada Only
Prescribed Rate Spousal Loans
Legally bypass CRA attribution rules (ITA 74.1 & 74.2) using the ITA 74.5(2) safe harbor. Lock in the prescribed rate to shift non-registered investment returns to a lower-earning spouse or family trust.
Explore Spousal Loans →
PREMIUM PLAYBOOK 14
???? ???? Cross-Border
Cross-Border Snowbird Wealth & Estate Shield
Shield Canadian residents vacationing in the U.S. or owning Florida/Arizona vacation real estate from accidental IRS residency, 40% U.S. estate tax, and CRA T1135 audit penalties.
Explore Cross-Border Wealth →
PREMIUM PLAYBOOK 15
???? Canada Only
Capital Gains 66.7% Inclusion & AMT
Navigate the two-tier inclusion threshold ($250k) for individuals, corporate CDA compression, Bill C-59 Alternative Minimum Tax rules, and 5-year reserve elections under ITA 40(1)(a)(iii).
Explore Capital Gains & AMT →Measure progress
Check in before and after the course.
Use the same five-point confidence scale at the start and end. Your self-assessment ratings are completely private and saved locally in your browser.
Use authoritative sources for rules that change.
Contribution limits, eligibility rules and tax treatment can change. Basic Investor explains concepts but links to Government of Canada, CIRO and provincial securities resources for current details.
Primary starting resources: Financial Consumer Agency of Canada and CIRO Office of the Investor.