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luminarythos

Building Better Money Habits

Financial Habits Development Pathway

A comprehensive 18-month journey through three progressive skill levels designed to build lasting financial literacy and practical money management capabilities for Canadian professionals.

Progressive Learning Structure

Our curriculum follows a carefully designed pathway that builds financial competency through hands-on practice and real-world application. Each level introduces new concepts while reinforcing previous learning through practical exercises.

3
Skill Levels
18
Months Total
45
Core Modules
12
Assessment Points
Foundation Level

Financial Awareness & Basic Planning

Months 1-6 • September 2025 - February 2026
Personal Finance Foundations
Learn budgeting fundamentals, expense tracking, and basic financial record-keeping using practical Canadian banking systems and tax considerations.
Debt Management Strategies
Develop systematic approaches to debt reduction, understand credit scores, and create sustainable payment plans aligned with income patterns.
Emergency Fund Development
Build emergency savings through automated systems while learning to balance immediate needs with long-term financial security goals.
Intermediate Level

Investment Literacy & Portfolio Building

Months 7-12 • March 2026 - August 2026
Investment Vehicle Analysis
Explore RRSPs, TFSAs, and investment options available to Canadian residents while developing skills to evaluate risk and return profiles.
Market Research Techniques
Learn to analyze financial markets, read company reports, and understand economic indicators that influence investment decisions.
Portfolio Diversification
Apply diversification principles across asset classes while considering personal risk tolerance and long-term financial objectives.
Advanced Level

Wealth Building & Financial Planning

Months 13-18 • September 2026 - February 2027
Tax Optimization Strategies
Master Canadian tax planning techniques, understand deduction opportunities, and develop strategies for tax-efficient investing and retirement planning.
Real Estate & Alternative Assets
Analyze real estate investment opportunities, understand mortgage structures, and explore alternative investment vehicles like REITs and commodities.
Retirement & Estate Planning
Create comprehensive retirement strategies, understand pension systems, and develop basic estate planning knowledge for wealth preservation.

Learning Assessment & Progress Tracking

We believe that meaningful assessment goes beyond traditional testing. Our multi-faceted approach ensures you can demonstrate practical skills while receiving comprehensive feedback on your financial literacy development.

Practical Portfolio Projects

Build real financial plans and investment portfolios that demonstrate your ability to apply theoretical knowledge to practical situations. Each project reflects genuine Canadian financial scenarios and market conditions.

Peer Review Sessions

Participate in collaborative learning through structured peer feedback sessions where you analyze financial strategies, discuss market trends, and learn from diverse perspectives within your cohort.

Competency Demonstrations

Complete hands-on assessments that test your ability to navigate financial software, analyze investment opportunities, and create comprehensive financial reports using industry-standard tools and methodologies.

Next Enrollment Period

Applications for the September 2025 cohort open in June 2025. Early registration begins July 15th with a limited number of spaces available.

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