Subject Matter Expert, Professional Services
Jason is BCC's lead subject matter expert with decades of experience across financial services and insurance education. He brings deep knowledge of the Canadian regulatory landscape and a direct understanding of what candidates need to succeed in high-stakes licensing and certification exams. His expertise spans securities licensing, insurance licensing, and financial planning exam preparation.
24 articles
I have had several questions and conversations of late about what licensing is required to transact in securities. This article is a summary of those conversations but is not a thorough examination of securities laws. If you have questions about your own situation, you are encouraged to engage a securities
Financial Planning and Risk Management — thinking past the the three predictable risks: Like many of my students, I started my career in the insurance side of the financial advisory business. I cut my teeth teaching the LLQP and then life insurance Continuing Education courses. Probably also like many students,
As discussed in our March newsletter, the theme for the second quarter of 2022 is Risk Management. I’m going to take this discussion in a slightly unconventional direction. You might expect a discussion about insurance or emergency funds or even personal directives. But I would like to, instead, discuss Risk
Our CE Drive podcast continues to roll along, and I wanted to take this opportunity to give you some updates about it. I love producing the podcast ¾ I find plenty of interesting people to interview, and I hear a lot of good feedback from our listeners. All episodes are
At the time of this article’s publication, students across the country will be writing their QAFP™ or CFP® Exams. Most exam writers will have put in about two years of prep, somewhere around $6,000 – $8,000, and a lot of blood, sweat, and tears. Here’s an article we put together
We are just around the corner from a return to school, whatever that will look like. For many students (and possibly their parents as well), it’s time to start thinking about how to pay for the return to school. The Canada Student Loans program is likely the best-known financing source for students.
The Income Tax Act permits the deduction of child care expenses under certain circumstances. A quick summary of those rules: Only the lower earner in the household can deduct the expenses. For a separated couple, the same rule applies receiving child support can deduct the expenses. There are some exceptions,
In late April, we hosted our 12th annual Group Insurance Symposium. We normally run this session live in Edmonton each April and again live in Calgary each October. This is a two-day event designed for those who make their home in the group benefits space to obtain their CE credits
Since the fall of 2019, BCC’s financial planning Core Curriculum classes have adjusted to include all content from the FP Canada Institute™ Financial Planning Body of Knowledge (FP-BoK). The FP-BoK is a robust attempt to describe all the technical knowledge required of a financial planning professional. The FP-BoK includes the
Below is a case study I wrote for the United Way to demonstrate the value of a program they operate here in Edmonton. This is a true story – only the name of the program participant has been changed. If this type of work is interesting to you, we have
When we discuss the professionalization of the delivery of financial advice, we often discuss fees, minimum education requirements, and obligations to clients. One of the significant items missing from the discussion is a robust body of research. Four years ago, my eyes were opened to the extent to which I
Here we are in February! Every advisor’s favourite season – RRSP season! Somehow Costco and Walmart don’t have an RRSP display and have somehow paid more attention to Valentine’s Day. At BCC, though, we are acutely aware of RRSP season. February is normally our slowest month of the year, as many of
Some of you may have picked up on this notice from the law firm Norton Rose Fulbright back in November of 2019: https://www.nortonrosefulbright.com/en-ca/knowledge/publications/33cf038b/prohibition-on-gifts-of-life-insurance-policies-to-charities-in-british-columbia-by-bc-residents. While I haven’t seen the source document, it refers to correspondence by the BC Financial Services Authority (BCFSA) concerning charitable donations of life insurance and trafficking provisions in the Insurance Act.
As in 2018, Business Career College was the Platinum Sponsor for FP Canada’s Financial Planning Week 2019 activities. This is our fourth year sponsoring Financial Planning Week activities; we have sponsored the Ethics Breakfast in the past as well. This major event had 3 distinct components this year: The Celebration
Behavioural finance research makes it clear that we are all victims of our own biases. Dan Kahneman, who is likely the world’s leading researcher on bias, has this depressing conclusion as it concerns bias: “The odd thing is that educating people doesn’t seem to be enough, because we find that
With FP Canada’s™ exams coming up at the end of November, we are just about to start our first set of exam prep classes. As anybody who has attended an exam prep class with me will attest, I put a lot of thought (maybe too much) into what causes students
It’s September, and some of your clients might be sending the kids away to post-secondary school for the first time. This can be an exciting time. I know that Canadians don’t do this as much as our neighbours to the south, but it still happens. Even if the kids aren’t
Since the introduction of the TFSA, I have often heard that low-income Canadians cannot benefit from the RRSP and should be using the TFSA instead. The argument here generally hinges on qualifying for the Guaranteed Income Supplement (GIS). For a quick review, the GIS is paid to those who have
A question that comes up regularly in class, and features much confusion, concerns RRSP beneficiary designations. I expect that most people are aware that an RRSP annuitant can name a spouse as beneficiary and achieve a rollover to the spouse’s RRSP on death. Similar rules apply to RRIFs. Common-law partners
Living in Alberta, I saw much discussion of child care leading up to this most recent election. Last year, when the 2018 Budget introduced adverse consequences of building up too much passive income within a corporation, many commentators pointed out that this would hurt prospective parents who might build up
I have spent a bunch of time over the past couple of months reviewing students’ Capstone course work, as they pursue the CFP® Certification. While it is not new to me, a pattern that I see is that financial advisors tend to present the avoidance of probate as a virtue.
Your clients are likely rounding the corner to tax season, and gathering up receipts to support their desire to minimize their tax bills. Some of those receipts will likely include medical expense receipts. As we know, most families have relatively low direct health care costs. The things that do carry
For many of our clients, February is RRSP (Registered Retirement Savings Plan) season. We don’t run a lot of classes in the last two weeks of February, and we normally see a lull in activity as advisors scramble to meet their clients’ last-minute tax planning needs. I am going to
I spent much of December at various Christmas events. I must be a boring conversationalist, because I find the topic often turns to designation programs for financial advisors. Given that we have two initiatives upcoming related to the Chartered Life Underwriter program, I will take this opportunity to discuss that
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