Wealth Management Course

Lesson 1 • Client Segmentation and Profiling

Covers mass-affluent, high-net-worth, and ultra-high-net-worth distinctions. Enables advisers to tailor service models to segment-specific needs.

Lesson 2 • Regulatory and Ethical Framework

Introduces fiduciary duty, suitability standards, and conduct obligations. Establishes the ethical baseline required throughout the course.

Lesson 3 • The Wealth Management Value Chain

Maps advisory, investment, planning, and custody functions across the service chain. Shows how each function creates measurable client value.

Lesson 1 • Cash Flow Analysis and Budgeting

Covers income sources, expense categorisation, and surplus identification. Links cash flow patterns to savings capacity and investment funding.

Lesson 2 • Personal Balance Sheet Construction

Teaches asset and liability classification, valuation methods, and net worth calculation. Forms the quantitative foundation for all subsequent planning work.

Lesson 3 • Analysing Business and Investment Interests

Addresses valuation of private business stakes, real estate, and alternative holdings. Integrates complex assets into the overall client financial picture.

Lesson 1 • Risk and Return Fundamentals

Defines systematic and unsystematic risk, expected return, and volatility measures. Anchors all portfolio decisions in quantified risk-return relationships.

Lesson 2 • Modern Portfolio Theory and Diversification

Explains correlation, the efficient frontier, and optimal portfolio construction. Demonstrates how diversification reduces risk without proportionally reducing return.

Lesson 3 • Asset Allocation Strategies

Covers strategic, tactical, and dynamic allocation approaches and their implementation. Connects allocation decisions directly to client risk tolerance and time horizon.

Lesson 4 • Portfolio Performance Measurement

Introduces benchmark selection, attribution analysis, and performance reporting standards. Equips advisers to evaluate and communicate portfolio results objectively.

Lesson 1 • Integrating the Financial Plan

Synthesises all planning components into a coherent, prioritised written plan. Covers presentation techniques that build client understanding and commitment.

Lesson 2 • Insurance and Risk Mitigation Planning

Analyses life, disability, liability, and long-term care insurance needs within the financial plan. Ensures protection gaps are identified and addressed before investment planning.

Lesson 3 • Education and Major Purchase Planning

Models funding strategies for education costs and significant capital expenditure. Integrates these goals into the broader cash flow and investment plan.

Lesson 4 • Retirement Planning Fundamentals

Covers retirement income needs, accumulation strategies, and decumulation sequencing. Connects savings rates and investment returns to retirement readiness metrics.

Lesson 1 • Charitable Giving and Tax Benefits

Analyses deduction strategies, appreciated asset donations, and structured giving vehicles. Aligns philanthropic goals with measurable tax outcomes.

Lesson 2 • Income Tax Concepts and Structures

Reviews progressive tax structures, marginal vs. effective rates, and taxable income components. Provides the tax literacy required for all subsequent planning strategies.

Lesson 3 • Tax-Advantaged Account Strategies

Examines contribution limits, distribution rules, and conversion strategies for tax-deferred and tax-exempt accounts. Maximises after-tax wealth accumulation across account types.

Lesson 4 • Business Owner Tax Planning

Addresses entity structure selection, deduction optimization, and retirement plan choices for business owners. Integrates business and personal tax planning for maximum efficiency.

Lesson 1 • Portfolio Risk Management Techniques

Applies value-at-risk, stress testing, and drawdown analysis to portfolio oversight. Ensures portfolios remain within client-defined risk parameters under adverse conditions.

Lesson 2 • Factor Investing and Smart Beta

Examines value, momentum, quality, and low-volatility factors and their portfolio applications. Extends beyond market-cap weighting to capture systematic return premiums.

Lesson 3 • Concentrated Position Management

Addresses tax-efficient diversification of large single-stock or sector concentrations. Directly relevant to business owners and executives with equity compensation.

Lesson 4 • Derivatives for Portfolio Management

Introduces options, futures, and structured products for hedging and income generation. Provides tools to manage downside risk and enhance portfolio efficiency.

Lesson 1 • Estate Planning Fundamentals

Covers wills, powers of attorney, beneficiary designations, and probate avoidance. Establishes the legal infrastructure underlying all wealth transfer strategies.

Lesson 2 • Business Succession Planning

Addresses buy-sell agreements, family limited partnerships, and ownership transfer timing. Ensures business continuity while achieving estate and tax planning goals.

Lesson 3 • Trust Structures and Applications

Surveys revocable, irrevocable, and specialized trusts and their planning roles. Enables advisers to match trust vehicles to specific client transfer objectives.

Lesson 4 • Gifting Strategies and Techniques

Details annual exclusion gifting, intra-family loans, and valuation discount strategies. Reduces taxable estates while transferring wealth during the client's lifetime.

Lesson 1 • Managing Complex Client Situations

Addresses divorce, inheritance, liquidity events, and business exits as planning inflection points. Prepares advisers to guide clients through high-stakes financial transitions.

Lesson 2 • Ongoing Monitoring and Plan Adaptation

Establishes review cadences, trigger-based updates, and performance reporting protocols. Keeps client strategies aligned with evolving goals, markets, and life circumstances.

Lesson 3 • Holistic Wealth Strategy Development

Integrates investment, tax, estate, and protection planning into a unified client strategy. Demonstrates how cross-discipline coordination produces superior client outcomes.

Lesson 4 • Client Discovery and Relationship Deepening

Applies advanced discovery techniques to uncover values, fears, and legacy intentions. Deepens trust and expands the advisory relationship beyond transactional interactions.