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1. Individual Insurance Prestige Advisor Program
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4. Are Canadians more FHSA-savvy in 2025? Recent insights have shown that a significant number of Canadians are unfamiliar with the First Home Savings Account (FHSA). However, the landscape is gradually evolving. While many are still getting acquainted with the features and benefits of this savings tool, financial advisors and industry experts note that awareness is steadily increasing. The knowledge gap is beginning to close. The largest group of contributors were Canadians aged 25 to 34, accounting for over 57% of all FHSA users¹. This suggests that Generation Z and younger millennials are leading the charge in embracing the FHSA.
   
   Why is this age group so quick to adopt? The FHSA offers a unique blend of benefits. These include contributions that are tax-deductible like an RRSP and withdrawals for a first home purchase are tax-free like a TFSA. Financial author David Chilton even called it “the greatest deal in the history of Canadian savings.”¹
   
   Despite the strong uptake among younger, higher-earning Canadians, there’s still work to be done. Many older Canadians and those with lower incomes remain unaware of the FHSA’s benefits and unsure how it fits into their financial plans. This presents a clear opportunity for advisors to continue educating—especially through digital channels and personalized advice.
   
   The FHSA is proving to be more than just a niche product—it’s becoming a cornerstone of first-time homebuyers’ strategy. With continued outreach and education, more Canadians will be empowered to take advantage of this valuable savings tool.
   
   Want to learn more? Speak to your Director, Investment Sales.
   
   ¹ Source: https://www.canadianmortgagetrends.com/2025/04/fhsa-sees-strong-uptake-among-young-high-earning-canadians-in-its-first-year/
   
   Date posted: October 2 2025
5. Let’s “Talk Money”: November is financial literacy month This November, we’re joining the Financial Consumer Agency of Canada’s national campaign to help Canadians feel more confident about money. This year’s theme is “Talk Money”, and it’s all about normalizing money conversations.
   
   Talking about money— including topics like saving, budgeting, or dealing with debt—can feel hard. But when we speak up, we help reduce stress and build stronger financial habits. As advisors, you can lead the way by starting these conversations with clients.
   
   How you can help
   • Start the conversation: Ask clients about their goals and worries.
   • Share tools: Use Equitable^® Individual Wealth calculators and learning modules to help guide conversations.
   • Support wellness: Money stress affects mental health. Be a calm, helpful voice.
   
   What’s next?
   Watch for more Financial Literacy Month updates throughout November. We’ll be sharing tips, tools, and conversation starters to help you connect with clients and support their financial journey.
   
   Let’s help Canadians take small steps toward better financial futures — one conversation at a time.
6. From Discovery to Action: Financial Planning Essentials for Newcomers Are you ready to deepen your understanding of newcomers’ financial needs? Join our December Master Class, “From Discovery to Action: Financial Planning Essentials for Newcomers,” — the second part of our September Master Class series on the topic of newcomers and learn how to guide new Canadians through their first year in Canada with empathy and expertise.
   
   We will explore strategic, empathetic discovery questions and provide practical tools to help advisors interpret newcomers’ responses in the context of their financial priorities.
   
   Join Joseph Trozzo, Vice President, National Investment Sales at Equitable, for an engaging conversation in our second session with Dr. Aditya Nain — professor, consultant, MoneySense columnist, and acclaimed multi-disciplinary author.
   Together, they will share actionable strategies and new perspectives to help advisors confidently and compassionately guide newcomers through the complexities of financial planning in Canada.
   
   Why attend?
   • Use empathetic questions to understand newcomers’ needs.
   • Map priorities to a simple 12-month financial plan.
   • Build tailored plans for banking, credit, insurance, and investments.
   
   Don’t miss this opportunity to deepen and elevate your advisory approach.
   
   Learn more
   
   
   
   Continuing Education Credits
   This webcast has been submitted for continuing education (CE) approval for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. Upon approval, you will be sent an email notification to come back to the webcast presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full, and complete a short quiz. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by their licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only.
   
   This webcast is available in English only.
7. International Women’s Day

   Reflecting on inclusion in our industry
   
   International Women’s Day is a great opportunity to pause and think about how we support the women clients we serve. In wealth management, inclusion is not just a theme for one day a year — it plays a critical role in building stronger relationships and long‑term business growth.
   
   Our recent Master Class – From Insight to Inclusion: Engaging Women Investors with Confidence –reinforced this.

   The 60-minute session, featuring Susan Silma, Client Experience Transformation Leader and industry speaker and columnist, looked at why many women still feel under‑served in our industry and what advisors can do to create a more engaging and supportive experience.
   
   Here are a few key takeaways from the conversation:

   •  Inclusion strengthens your practice. When women feel heard and understood, trust grows —and so does loyalty.
   •  Start with better conversations. Susan shared ways to turn research and insights into everyday discussions that feel relevant and meaningful to women.
   •  Consistency builds confidence. A clear, repeatable process for prospecting, onboarding and reviewing plans with women clients helps ensure they feel included from day one.
   
   Did you know: 82% of advisors who attended the live Master Class identified the need to add more women clients to their business.
   
   As we celebrate International Women’s Day, it is a good reminder that creating a space where women feel comfortable, informed and valued benefits everyone — and positions your practice for long‑term success.
   
   If you missed the session — or would like to revisit the ideas — the Master Class recording is now available on demand. On behalf of everyone at Equitable, Happy International Women’s Day, Canada!
   
   
   
   Date posted: Thursday, March 5, 2026
8. Introducing Empathy – Compassion and care at times of loss
   We’re excited to announce our partnership with Empathy– the company behind the Empathy Loss Support benefit.
   
   As a trusted advisor, you play a vital role in guiding clients through some of life’s most difficult moments. We understand this and believe Empathy can provide vital support at a time of loss. This is why Equitable^® has added this new benefit to all new and existing individual life insurance policies at no additional cost.
   
   About Empathy
   Empathy Loss Support begins when a claim is initiated. When a client’s loved one notifies us, our Client Care Centre connects them to Empathy’s user-friendly app or website. They can choose the Empathy services they need, including human support, and helpful tools. Empathy will help them navigate both the emotional and logistical challenges following a loss.
    

   Introduced to loved ones at time of claim

   Easy to use co-branded app

   Adding value beyond the policy

   Share the good news
   Include Empathy in your client conversations about life insurance. Show clients how Equitable leads with Care, Compassion, and Empathy.  Our commitment to clients is at the heart of everything we do.
   
   To learn more, visit our Empathy page.
   
   Questions?  Please contact your Equitable wholesaler.
   
   
   
   
   
   This loss support benefit is provided by Empathy and is available to all Equitable life beneficiaries aged 18+ years and residing in Canada. Equitable does not have access to the information provided to Empathy and is not responsible or liable for the services provided by Empathy. Empathy does not represent Equitable nor have the right to bind Equitable. Equitable may modify access to or discontinue offering the Empathy service at any time.
   
   Empathy does not provide legal, medical, financial, or accounting advice, nor does Empathy provide mental health diagnosis or treatment. We recommend consulting a professional on such matters.
9. Sales Illustrations
10. Help clients navigate the tax landscape across investment types with Equitable With tax time in full swing, you’re invited to a helpful webcast that will explain how different investment types are taxed. This will give you simple language you can use to build clearer conversations with clients.
    
    This session will help you explain the key differences between:

    • Registered plans (which shelter or defer tax):
         • RRSP: Contributions offset taxable income. Taxes are deferred until withdrawals are made.
         • RRIF/LIF: All withdrawals are taxable.
         • FHSA: Contributions, withdrawals, and transfers appear on T4FHSA/Relevé 32.
         • TFSA:  Helps your investments grow tax-free.

    • Non‑registered plans (which are taxed yearly):
         • Income is taxed each year (not deferred). 
         • Reporting usually comes through T3 or T5 slips.

    
    Host: Taylor Tatay, Director, Investment Sales
    Guest Speaker: Chris Petroff, Individual Wealth Product Strategy Manager

    Learn more

    
    Continuing Education Credits 
    This webcast has been submitted for continuing education (CE) approval for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. Upon approval, you will be sent an email notification to come back to the webcast presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full, and complete a short quiz. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by their licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only. 
    
    This webcast is available in English only. 
    
    Date posted: March 18, 2026