The Chartered Financial Divorce Specialists (CFDS) course is offered through the Internet for distance learning (self-study) with registration at any time and also in selected locations each year for those wishing to take the training in a class room setting.  The material is the same for both options  and   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. For self-study exams are on-line and a case study is submitted for final evaluation as part of module four of the course.  For in-class students the case study is completed on the final (third day) of the course.. For more course details click here

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 and working in the industry, may enroll in the CFDS training: Note that no exceptions will be made, you must be in good standing with one of the following designations. If the designation you hold is not part of this list, you do not qualify to take the course: 1. Certified Financial Planner (CFP) or Fin. Pl. designation from the IQPF (Institut québécois de planification financière) 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 fundamentals of Financial Planning (FOFP) course 10. Certified Internal Auditor (CIA)
The course is offered online and in an in-class (Sudbury, Ontario). Both 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):
  • Definitions
  • Concepts connected to separation and divorce
  • Chartered Financial Divorce Specialists role
  • Ethics
  • 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.
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 CreditsDetails
The Institute of Advanced Financial Education (Advocis)30Includes 1 Ethics credits
Financial Planning Standards Council (FPSC)40Financial Planning Credits (40)
Investment Industry Regulatory Organization of Canada (IIROC)30Cycle 7
Insurance Council of Saskatchewan (ICS)138 Insurance, 5 Non-Insurance
Alberta Insurance Council (AIC)2515 Life, 10 Accidents & Sickness
Insurance Council of Manitoba 24Life, Accident & Sickness - Open
Institut québecois de la planification financière (IQPF)1410 PDUs Financial Planning SPFA, 4 PDUs Compliance with Standards, Ethics and Professional Practice SC
Chambre de la sécurité financière30General 12, Compliance 5, Insurance of Persons 10, Group Insurance 3 - 60 hours of Financial Planning in the Aspect of Separation, Divorce and Cohabitation
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
After each Module, students are able to schedule a phone appointment with Linda to review materials covered. These phone appointments are designed to allow students to ask questions or receive clarification of the materials they just covered prior to writing their exam.
Click here for an exclusive offer.

Image result for New special offer

*Note that all submissions will be subject to review. Not all Financial Divorce Planning designations/ courses are eligible for this offer. You will be notified it you do not qualify via email.
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.

Register Self Study See In Class Information View Prices Group Rate