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1. Anti-money Laundering Legislation Requirements Summary
2. Join us for an Equitable Master Class webcast featuring Rob Kochel from Invesco

   Equitable^® Master Class webcasts offer compelling topics and unique ideas from leading experts to help you manage and grow your business. 
    
   Losing a top client is never a pleasant experience because it makes it difficult to maintain current production levels and grow organically.
    

   • •   72.2% of financial professionals lose a top client each year¹

   • •   61.3% of those financial professionals were “surprised”¹

    
   
   Join us for our Master Class webcast featuring Rob Kochel to discover how it’s surprisingly simple to manage clients. Contrary to most client retention models that are intensive and time consuming, the Golden Hour model aims to deliver maximum benefit at a truly implementable level.
    

   Learn more

   Shannon Labby
   Vice-President, National Investment Sales
   Equitable
   
   Rob Kochel,
   Director
   Invesco Global Consulting

   Date posted: March 27, 2024

    
   Continuing Education Credits 
   To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only. 
   ¹Source: Study of 405 financial professionals, as conducted by R.A. Prince & Associates, Inc., under a proprietary contract of Invesco Global Consulting during the second half of 2015. Used with permission.
   
   ™ and ® denote trademarks of The Equitable Life Insurance Company of Canada.
    
3. [pdf] Tax Slips - A Quick Reference Guide
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. Understanding debt: A key to building wealth Why debt matters in wealth conversations
   Debt is part of life for many Canadians. But not all debt is the same. As an advisor, you can help clients understand their debt and how to manage it. This is key to building wealth and confidence. Financial Literacy Month is a great time to “Talk Money.”
   
   Types of debt¹
   • Secured: This is backed by something the client owns, like a house or car. Its cost of borrowing or interest rate is usually lower.
   • Unsecured: This includes credit cards and personal loans. These debts have no asset behind it and often cost more.
   • Revolving: These are like credit cards. The balance owing can carry over to the next month.
   • Installment: These are like car loans. Clients pay a set amount each month.
   
   Helping clients manage debt
   • Pay off high-interest debt first:  Credit cards are often a good place to start.
   • Consolidate: One lower-interest loan payment can replace many.
   • Make a budget: Include debt payments and savings.
   • Use insurance-based investments: Segregated funds and Daily/Guaranteed Interest Accounts offer protection and guarantees. These can help clients manage risk while growing wealth.
   
   Why reducing debt matters
   Less debt can mean more financial freedom. Clients can save more, stress less, and plan better for retirement. It also helps them leave a financial legacy.
   
   Your role as an advisor
   You do more than sell products. You guide clients to make smart choices. Use this article to start a simple, clear conversation about debt—and how Equitable Individual Wealth solutions might fit into their overall financial picture.
   
   Talk to your Director, Investment Sales today for more strategies to help clients with debt.
   
   ¹ Source : ARC, 2025-03-28
6. Advisor Code of Conduct - Updated! Our Advisor Code of Conduct sets out Equitable Life's expectations of advisors in dealing with clients and other stakeholders. The Code of Conduct forms part of your contractual relationship with us.
   
   We have updated our Code to clarify specific expectations to help you meet regulatory compliance requirements, support your needs-based sales, and treat customers fairly.
   
   Please review our updated Advisor Code of Conduct.
7. Individual Insurance Marketing Materials
8. [pdf] Equitable GIF Advisor FAQ
9. Roll out the red carpet for a refreshed Term! We are pleased to announce that updates to our Term life insurance solution are now live! We believe that Term life insurance can deliver value to clients at every stage of their life journeys. Be it at renewal or at conversion, Term is a flexible and affordable life insurance solution for clients today and into tomorrow.
   
   On February 3^rd, 2024, we refreshed our Term life insurance solution. Some of the existing and new updates with our Term offering include:
   ●  More targeted, competitive pricing,
   ●  Benefits re-aligned under the KIND™ program,
   ●  Yearly renewals. After the initial term of level premiums, Term life insurance will now renew yearly with premiums gradually increasing each year. This will help clients keep their Term protection longer without large premium increases.
   
   With these updates and more, our Term solution doesn’t just “do the job,” it’s what clients want!
   
   Visit our splash page and watch our informative video to learn more and start selling today!
    
   
   
   
   View our Transition Rules for all the details on processing your applications.
    
   We’ve also updated our illustration tool:
   ● New Desktop illustration software
   
   Want to learn more?
   Contact your Equitable wholesaler anytime!
    
   
   ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
10. Let’s “Talk Money”: From first savings to retirement income
    Financial Literacy Month may be ending, but the conversation shouldn’t.
    
    Talking with an advisor helps normalize money conversations— including discussions on saving, spending, managing debt, and more. This can help clients feel better and make smarter financial choices. As an advisor, you can guide clients from their first savings through to retirement with Equitable^® .
    
    Starting out? Clients can consider:
    Tax-Free Savings Account (TFSA)
    Save for short- or long-term goals and take out money anytime, tax-free.
    
    First Home Savings Account (FHSA)
    Save up to $40,000 tax-free for a first home. Contributions may be tax-deductible, and withdrawals are tax-free for buying a qualifying home.
    
    Growing wealth? Clients can consider:
    Registered Retirement Savings Plan (RRSP)
    Contributions may be tax-deductible. Good for long-term savings—money grows tax-free until retirement.
    
    Guaranteed Interest Account (GIA) / Daily Interest Account (DIA)
    Earn steady interest with flexible terms. Available in a TFSA, RRSP, and FHSA.
    
    Retirement ready? Clients can consider:
    Payout annuities
    Guaranteed income for life or a set time. Helps make sure savings last.
     

    Resources to support these conversations

    
    Use our easy online tools: EZcomplete^®  to apply and EZtransact™ for transactions. Let’s help Canadians save smarter—one step at a time. When we work together, success is mutual.
    
    Reach out to your Director, Investment Sales if you have questions.