RSE7 Investments – Making Recommendations and Communicating with Clients

Course overview

PDUs 2 SC + 3 SFPA
Course type Online course
Duration 5 h
Price $95.00 plus taxes

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RSE7 Investments – Making Recommendations and Communicating with Clients

Description

This course equips you to translate knowledge from earlier modules into real‑world client scenarios. You will align recommendations with client objectives, constraints, and risk profiles; incorporate behavioural finance insights; connect advice to portfolio construction; and apply foundational tax planning strategies. The course also covers suitability determinations, performance measurement (including risk‑adjusted metrics), and regulatory obligations for ongoing monitoring, reporting, and maintaining client relationships (records, communications, complaint handling).

Offered online, this course is a key step toward success on the CIRO Retail Securities Exam.

The content is currently available for online reading, allowing you to start preparing right away. An enhanced interactive format is expected to be available by the fall.

Activity recognition

FP Canada: 5 Financial Planning CE

Objectives

By the end of this course, you will be able to:

  • Analyze client investment objectives, risk profile, and performance expectations for tailored recommendations.
  • Assess non‑financial constraints and ESG preferences in portfolio decisions.
  • Identify behavioural biases that affect client decisions and investment outcomes.
  • Apply due diligence and suitability requirements to select appropriate products consistent with Know‑Your‑Product (KYP).
  • Construct and adjust portfolios using Know-Your-Client (KYC) information and risk‑return analysis.
  • Calculate and apply time value of money and basic tax planning strategies in recommendations.
  • Monitor and evaluate portfolio performance, including risk‑adjusted returns and benchmark comparisons.
  • Maintain regulatory compliance for client records, communications, and complaint handling.

Key competencies

This course supports the development of the transversal competency Diligence, by enabling participants to manage orders, accounts, and trades accurately, follow procedures and regulatory requirements, and verify the correctness and compliance of operations to ensure reliable, high-quality work.

Additionally, it contributes to the development of the transversal competency Investigation, by enabling participants to define, gather, and analyze the information required to understand trading activities. It equips them to identify red flags, ask the right questions, properly document situations, and apply escalation mechanisms to ensure regulatory compliance and client protection.

Who should attend

This course is intended for professionals who want to turn analysis into action: producing concrete recommendations, harmonizing tax, suitability, and risk profile, communicating clearly with clients, and providing compliant, value‑adding follow‑up.

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Course program

In this training, you will explore:

  • Translating KYC into recommendations: objectives, constraints, risk profile, performance expectations
  • Behavioural finance: common biases (anchoring, overconfidence, loss aversion, recency) and mitigation strategies
  • From theory to practice: linking advice to portfolio construction and tactical adjustments
  • Due diligence and suitability: process, documentation, KYC/KYP roles in product selection
  • Basic tax planning: time value of money, common tax impacts (registered vs. non‑registered), core optimization principles
  • Measuring and monitoring performance: risk‑adjusted metrics, benchmark comparisons, periodic reviews and rebalancing
  • Client communication: explaining recommendations, disclosures, expectation management, financial education
  • Ongoing regulatory obligations: recordkeeping, communications, reporting, and the complaint‑handling process

Summary

This course consolidates the RSE course series to help you recommend, explain, and monitor client‑appropriate strategies with strong compliance, transparency, and professionalism.

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