The Chartered Financial Divorce Specialists (CFDS) course focuses on all financial aspects associated with the cohabitation, separation or divorce process, including but not limited to the determination of assets and liabilities, support obligations, property division, pension evaluation, taxation implications, insurance requirements, cash flow, net worth outcomes and budgeting.

Course Requirements

The legal community recognizes that only those with a financial planning designation are acceptable to engage in this complex area of practice.  Anyone holding one of the following designations may enroll in the CFDS training:

1. Certified Financial Planner (CFP)

2. Personal Financial Planner (PFP)

3. Registered Financial Planner (R.F.P.)

4. Certified General Accountant (CGA)

5. Certified Management Accountant (CMA)

6. Chartered Accountant (CA)

7. Chartered Professional Accountant (CPA)

8. Chartered Life Underwriter (CLU)

9. Chartered Investment Manager (CIM) with proof of taking the Fundementals of Financial Planning (FOFP) course

10. Certified Internal Auditor (CIA)

What can you expect?

The course is offered online and in an in-class.  Both venues provide the same material, only the learning format is different. The course takes approximately 80 hrs minimum to complete and include 4 online exams, one practice case study and one final case study submission.  During the course you can expect to learn about the following (from our syllabus):


Concepts connected to separation and divorce

Chartered Financial Divorce Specialists role


Practice Standards and Conduct

Calculating Worksheets – cash flow/budget needs & net worth

Taxation –specific to separation and divorce

Legal understanding of terminology

Asset and debt division

Investment issues

Pensions – public and private

Support – child and spousal

Children’s issues

Risk management issues –insurance concerns

Practice and process procedures and tools

Legal process & Collaborative practice

Software training

Case Studies’ applications utilizing the software

Client interaction/management techniques

Four exams

In addition to extensive course content, including resource materials related to the professional practice and marketing, we also provide tools such as an advanced calculating worksheet and a specialized software to assists with financial projections.

What you will gain?

Upon successful completion of the course, students are awarded the distinguished designation of Chartered Financial Divorce Specialist (CFDS).  They also receive various CE credits as listed below:

InstitutionCE Credits
The Institute of Advanced Financial Education (Advocis)30
Financial Planning Standards Council (FPSC)40
Investment Industry Regulatory Organization of Canada (IIROC)30
Insurance Council of Saskatchewan (ICS)13
Alberta Insurance Council (AIC)30
Institut québecois de la planification financière (IQPF)14
Chambre de la sécurité financière30
Insurance Council of Manitoba 24

Graduates are listed in our "Recent Graduate" feed located on the main page of and added to our directory of specialists.  Members in good standing have access to an online resource portal that gives them exclusive content such as: forums, cohabitation/separation/divorce documentation, access to the Perspectives Software (TM), custom excel spreadsheet, webinars and more.

(NEW***) Introducing an exclusive offer with Medallion Health for CFDS members.  Click here for CFDS offer details or Click here for more info on Medallion HealthClick here for Medallion Brochure

Academy of Financial Divorce Specialists policy here: AFDS Policies

Don't hold the correct designation?

If you hold a Lawyer, Mediator or Divorce Coach designations, you can be an Associate Member of the Academy of Financial Divorce Specialists.  Associate members are added to the Member Directory, have access to resource materials, course content and calculating worksheets.  Note that Associate Members are not permitted to use the CFDS designation in any capacity and will not be granted access to the Perspectives Software©.  Click here to become an Associate Member.

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