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To further help you work with clients seeking credit, we explain the methods used to reduce interest costs and penalties. We provide various examples and a scenario on the mortgage qualification process to help you understand how the concepts we discuss apply in real-world situations. We also explain the financial factors used to qualify a client for a residential mortgage. In this chapter, we discuss the two different mortgage markets the primary and secondary markets and we explain the legal considerations related to residential mortgages. Calculating time value of money for various purposes.Steps involved in monitoring and evaluating portfolio performance.Debt and equity securities and managed products.Asset allocation strategies that best suit your clients’ goals and objectives.Applying a systematic approach to investment management.Government programs and annuity-based products that provide pension income and other retirement benefits.Registered accounts that are set up as savings vehicles for retirement.Taxation issues, tax planning, tax effective investments, and tax minimization strategies.Personal risk management as part of a fully integrated wealth management plan.Issues that arise from relationship breakdown.Steps advisors take to evaluate a client’s creditworthiness.Getting to know your clients when creating comprehensive budget and savings plans.Ethics and a framework for ethical decision-making.Wealth management as a distinct practice in today’s financial services environment.A graduate of the CSC and want to focus on financial planning and investment management.Seeking to attract wealthier and more sophisticated clients.Required to meet IIROC's 30-month proficiency requirement.Become a Wealth Manager or Portfolio ManagerĬompletion of WME puts you on the path to earning Certified International Wealth Manager (CIWM) and/or Chartered Investment Manager CIM ® designations. The WME is on the approved educational path to the PFP ® and CFP ® designations. Take a Step Toward Writing the PFP ® or CFP ® Examinations If you have completed educational programs in financial planning and/or investment management you may qualify to complete a shortened version of the WME. Meet IIROC's 30-month Requirementįulfill IIROC's 30-month post-registration proficiency requirement for investment advisors FAST TRACK THE WME The WME® provides a holistic look at wealth management and covers two key pillars: financial planning and investment management. Give your clients more comprehensive, integrated investment advice.