FAQs & Academic Policies

Knowledge Bureau is a private, certified post-secondary educational institution that provides courses that furnish its students with skills for or improve a person’s skills in, an occupation. Its tuition fees qualify for tax credit. Established in 2003 by Founder and President Evelyn Jacks, it focuses specifically on providing world-class financial education required for professionals in the tax, accounting and financial services.

Pre-requisites: Successful candidates for the program will have a minimum of high school education, be employed and mentored with a firm that provides services being studied and/or at least three years of industry experience. Students in the programs offered complete a series of 30-hour online certificate courses in their chosen field of specialization and may supplement online learning with peer-to-peer sessions in regional workshops or conferencing offered by Knowledge Bureau.

Students may take online courses within an academic path that leads to the earning of a Certificate of Achievement (one course at a time; up to 3 months per course); a Practitioner’s Diploma (three courses; up to 9 months total) or choose from several available designation programs (six courses; up to 18 months total).

REQUIREMENTS FOR LICENSING AND CONTINUED USE OF CERTIFICATION MARKS

Knowledge Bureau offers four registered certification marks to designate its graduates in the following areas of specialization:

• RWM™ (Real Wealth Manager),
• MFA™ (Master Financial Advisor)
• DFA – Tax or Bookkeeping Services Specialist™
• MFA-P™ (Philanthropy)

These registered marks signify the attainment of mastery and a defined standard of excellence the field of specialization chosen. They are conferred on graduates of the program upon completion of their education curriculum, or in some limited cases, on a grandfathered basis. Holders of these registered marks are held to a high standard of practice conduct and to that end, must relicense the use of their designations on an annual basis. The requirements for admittance into the program, graduation and relicensing after graduation are outlined below.

Eligibility to the Designation Programs. Successful candidates selected for entrance to the program will have a minimum of high school education, will be employed with a firm that provides services in the area of specialization and/or at least three years of industry experience, which can include owner-management of an independent firm.

Blended Learning . Students in the programs offered complete a series of online certificate courses in their chosen field of specialization, and may supplement online learning with peer-to-peer sessions in regional workshops or conferencing offered by Knowledge Bureau. Required hours of study are outlined in the Knowledge Bureau Course Catalogue and online descriptors of the programs.

Pathways to Program Completion . All students of Knowledge Bureau are admitted into a faculty and begin their pathway towards designation with the first course taken. Quarterly transcripts will be forwarded to provide a progress report and in the case of designates, the Continuing Professional Development (CPD) credits required to keep licensing current after graduation.

Practice Management Framework . Designates are trained in the Real Wealth Management™ framework, which teaches a strategy for multi-disciplinary collaboration with other professionals and a consistent process to enhance the Know Your Client process used in the financial services. This enables the development of a strategic approach to joint decision-making with clients in providing tax, retirement, estate, succession and other required financial services. The RWM processes focuses on four pillars of practice: the accumulation, growth, preservation and transition of sustainable family wealth, which is defined to mean, after taxes, inflation and fees.

View PDF Standards of Conduct

Designates of Knowledge Bureau are qualified to provide high value advice to clients through a consistently professional client experience, exemplary standards of professional conduct and up-to-date knowledge and skills in their chosen field of specialization.

Knowledge Bureau designates agree to practice in their chosen field by maintaining their deep and broad knowledge and skills with a commitment to ongoing professional development. Required are the following:

• Mastery: Successful completion of the required courses within the specialized field of service studied by the designate through Online or Blending Learning Programs.
• Ethics: Good standing under the requirements of all professional designations and licenses held by the designate is required; there must be no criminal convictions or citations for unethical conduct.
• Continued Professional Development: At least 15 hours of study with Knowledge Bureau, annually. Verifiable and non-verifiable credits are accepted.

GRANDFATHERING

In certain instances, Knowledge Bureau will accept applications for grandfathering into new designation programs by candidates who contribute to the continuing professional development of our students and complete a comprehensive application process to outline knowledge, skills and experience. Grandfathered graduates must adhere to the Standards of Conduct above to keep their registered marks.

CE/CPD HOURS REQUIRED

Official Transcript - Quarterly Notification : Provided by email: please print and keep in a safe place to verify your progress. Check your progress anytime by logging onto the Virtual Campus.

15 CE/CPD Credits annually. Designated graduates must have achieved at least 15 CE Credits by December 31, 2019 to be licensed to use their registered marks for January 1, 2020. Two types of credits qualify:

Verifiable Credits:

• One online certificate course or Business Builder Retreat (30 hours each = 2 years of credits)
• CE Summit (10 credit hours each)
• DAC Conference (15 credit hours)
• Vantage Series (2 credit hours)

Non-Verifiable Credits:

• Annual Subscription to EverGreen Explanatory Notes – (15 credit hours per year)- Stay Up to Date with this comprehensive, tax research library subscription service.
• Knowledge Bureau Professional Calculators (15 credit hours per year) – Use of 15 updated tax planning software tools to prepare tax efficient retirement & wealth management plans.
• Third-Party Accreditation - Third-party certification in the areas of ethics, compliance or subject matter expertise in one of the 7 faculties will be accepted. Scan official documentation to support these activities to registrarCE@knowledgebureau.com together with an application fee of $395.

Designate VIP Tuition Rates : Enter the Virtual Campus through the Student Logon to automatically obtain preferred tuition fees as a designate.

Failure to Meet Re-Licensing Deadlines. To maintain the right to use the certification marks earned with the Knowledge Bureau next year, these Standards of Conduct must be met by December 31 of the current year. A 60 day grace period is allowed, however, designates will lose their ability to qualify for VIP tuition rates reserved for designates . Registration in a program by February 28, 2020 is required.

After February 28, 2020. Designates lose access to all VIP tuition rates and must cease using certification marks until professional updating is completed. Please call us to discuss re-instatement.

Please call Registrar at 1-866-953-4769 to make an appointment for the re-licensing process. It is our goal to make your successful re-instatement possible with minimal inconvenience.

Open architecture learning environment
Knowledge Bureau is pleased to offer students an “open architecture” learning environment. Students may choose to enter our diploma and designation programs with the first certificate course taken, and save money on tuition fees when they declare a diploma or designation path at the time of original registration. The student may also choose a pathway to designation that includes blended learning programming: a combination of online and workshop/ conference options to fulfill the 180 hours requirement:

DESIGNATION PATHWAY: Option a: Take 6 online certificate courses
Option b: Take 4 online certificate courses plus 6 CE summits or
Option c: Take 5 online certificate courses plus 2 distinguished advisor conferences

Study terms
Students may study at their own time and pace and start anytime 24/7. Early registration deadlines are provided to prompt students to enrol and finish courses in each of four seasonal sessions, however, students may start at any time and have 9 months to complete three courses; 18 months to complete 6 courses. A maximum of 3 months is allowed for completion of each individual course. Extensions are available after this period.

Course Completion Obligations
As described above, students are required to complete one course every three months and maximum designation program completion time is 18 months. We may have custom arrangements for course completion with Private Clients and Strategic Partners of Knowledge Bureau.

Access to Personalized Instruction
The onus is on the student to complete courses on time and to contact us for help with questions using their Help Button in the Virtual Campus. Please contact us immediately if there is any problem with our courseware or services, so that we may provide corrective action. The instructional assistance is provided, within reason, at no extra charge to the student. Before making an inquiry the student is responsible for reading any updates to the courseware on the Virtual Campus, in the free subscription to Knowledge Bureau Report and in the EverGreen Explanatory Notes Research Library. Instructors will decline providing answer keys to students, and if the instructor deems there have been an unreasonable number of requests for assistance or answers, tutoring sessions will be recommended.

Tutoring Sessions
If, at the discretion of the instructor, or the request of the student, the volume of student support questions appears excessive, tutoring sessions may be arranged at a charge of $195 per hour, with minimum 1⁄2 hour increments. Contact the Registrar to schedule the sessions and for payment.

Extensions
Students of online certificate courses may request extensions at the end of each study period of three months. Extensions may be purchased at a cost of $99.00 for each extension of 1 month, $250 for a three month extension.

Resumed Studies
Students who wish to resume their studies after an absence of more than 6 months must pay a resumption fee of $295 to be put back into their program and resume their studies.

Testing and Passing Mark
All online courses feature examinations that can be done in home or office. They are “open-book” style tests and a minimum 60% pass mark is required in every course for certification.

Rewrites
One rewrite attempt will be allowed within a month of unsuccessful testing. Rewrite fees are $295 per exam.

Standards of Conduct
Designates are granted the permission to use Knowledge Bureau’s Certification Marks behind their name, on their business cards and letterhead. This license for use must be renewed annually by the Standards of Conduct, specified in the above Standards of Conduct section

Getting Started
Self-study students may begin their program at any time, all year long, and enrol risk free with our Money Back Guarantee: we offer a free trial for the first chapter in your first course which allows you to determine whether the program is for you. After this, you are considered to have enrolled in the program and there are no refunds.

Personal Consultation, Instructor, Orientation or Group Study Start
Knowledge Bureau self study courses allow you to develop your own course work plan. Your registration includes access to a Personal Educational Consultant, who will provide a personal orientation tour when you start your program, and introduce you to your online access to your instructor through your exclusive access to your online learning environment.

Your individual course orientation will be scheduled at your convenience, or you can join a national group study, in which all team members from one office start at the same time in the same course.

EZ-Pay Instalment Plans
Please call our registrar toll free at 1-866-953-4769 to arrange a monthly instalment plan or follow the online instructions.

NOTE: Instalment plans are based on a 3 month per course work plan. If your course work plan is accelerated, you may be required to make additional payments before the release of the next course in your program. Payment plans may be revoked if your payments fall in arrears and your instalment privilege fee will be withheld. In addition, you may be charged additional fees as described under NSF Fees.

Registration, Certification and Cancellation
Included in the registration fee for the CE Summits is the cost of CE accreditation and certification, at the workshop and reference resources.

CE accreditation and certification credit hours are determined by attendance. For specific CE accreditation requirements, please contact Knowledge Bureau at 1-866-4769. Workshop registration fees are non-refundable, except in the case of severe hardship, where a 30% cancellation fee will apply. Penalty fees may be applied for full credit to any other Knowledge Bureau program for a period of one year.

Payment: VISA or MasterCard are the preferred methods of payment. If paying by cheque, please post-date cheques accordingly and submit to:

Knowledge Bureau, 187 St. Mary’s Road, Winnipeg, MB, R2H 1J2

Please recommend a friend. When you provide contact information to Knowledge Bureau, we will send you a $25 thank you gift.

Registration, Accreditation and Cancellation
Included in the registration fee for the conference is attendance for 3 days of sessions, outlined in the official DAC agenda for one delegate, plus: cost of CE/CPD accreditation and certification, provided the evaluation/testing forms provided at the event are submitted. Also included is attendance at opening reception & group dinner, hot breakfasts, mimosa breaks. Delegates will have access to content/reference resources, which may include reference journals and access to online materials. Spouses who work in the business with advisors must register in full as a delegate but will receive preferred client rates for full program accreditation. Spouses who do not work in the business must register in the Spousal Program, which entitles the non-working spouse to attendance at all the sessions, as well as breakfasts, mimosa breaks and the evening group events. There will be no accreditation and certification in those cases and no splitting of the spousal fees for any one aspect of the DAC. Under no circumstances will non-working spouses be allowed access at any of the networking events without registration in the Spousal Program.

CE/CPD Accreditation and Certification
CE/CPD credit hours are determined by attendance at the events. It is required that evaluation summations are completed and signed for these purposes. Failure to submit may result in disqualification from certification from these accreditors: Knowledge Bureau, as required for continuation of MFATM and DFA-SpecialistTM licensing, most provincial insurance councils, the FPSC, various accounting organizations. Depending on the needs of the audience, Knowledge Bureau may also apply for pre-accreditation from certain professional organizations such as IIROC. One hour per hour of instruction is granted as a general rule.

Not included
The following is not covered in the DAC registration fee: the cost of flights, ground transportation, hotel rooms, internet access (unless included by the hotel in the cost of accommodation), entertainment other than as described in the official DAC agenda, tips, porters, parking, personal injury or loss/liability of any kind, including sickness or cancellation insurance, any loss due to uninsured sickness or accident or death, and any other optional activities which may have been planned for the group such as golfing, spas, tours or group evening or meal events, and any meals outside of the official DAC conference-specified agenda. Knowledge Bureau, its owners, speakers, employees, subcontractors or any member of the organizational team cannot take any responsibility for any personal injury, affliction, accident, or financial consequences due to attendance at the DAC event whatsoever and attendees are herewith notified thereof. Please protect yourself accordingly using appropriate insurance, and risk management measures.

Group Rates
Companies often send teams of people to the DAC. These teams qualify for our preferred rates. An additional group rate is achieved after the first 10 registrants are enrolled and paid. Best rates can be received for the group with this minimum enrolment by the deadline dates on the conference application forms. Spousal fees are extra.

Hotel Rates and Length of Stay
The conference anchor hotel has offered preferred room rates for the group on conference days, which are booked and paid for directly with Knowledge Bureau and will be awarded on a first-come, first-served basis. Please indicate your preferred length of stay on the DAC Conference Registration Form. Rooms are also usually available at the group rate 3 days before and after the conference dates based on availability.

Please call Knowledge Bureau to discuss your needs and submit completed registration form with credit card information to secure hotel rooms, which Knowledge Bureau will do on your behalf. All attendees participating in DAC must submit credit cards and application forms, including speakers, sponsors, employees, award winners, etc.

While Knowledge Bureau endeavours to negotiate favourable group rates for your stay, on occasion it may be possible to find a lower rate on the internet. In such a case we suggest that you go ahead with your online booking, however please be aware that we often negotiate “all in pricing” which you may not be receiving online, and we cannot be responsible for your reservation and any room changes, extensions or over bookings that may occur.

Special Diets
We try to accommodate special food requests, but those highly allergic to most foods normally served or those with very limited diets must make own food arrangements.

Complimentary Registrations
Those who receive waived or reduced conference registration fees as special guests of Knowledge Bureau must provide a credit card number for hotel costs in advance and no later than June 30. They will be charged at that time for all hotel and pre-arranged meal costs amounting to 30% of the delegate and spousal registration fees based on June 30 early registration pricing for preferred clients. This 30% fee is only refundable at the end of the three day event; it is not refundable for no-shows. Attendance of special guests is limited to spaces available and allocated on a first come, first served basis. We may not be able to guarantee rooms at the conference hotel rates.

Refunds—Registration Fees
Conference registration and spousal program fees are non-refundable, except in the case of severe hardship, where a 25% non-refundable cancellation fee will apply based on the registration fee the attendee qualified for at that time of registration. In addition, there is a 30% fee to cover the cost of all pre-arranged meals, entertainment and service fees.

Refunds— Hotel
Hotel rooms refunds may be possible until October 31, should the hotel agree to provide this; if not, a 30% hotel room cancellation fee will be applied in these cases to cover service fees incurred by DAC organizers to negotiate this. This includes registrations of any attendees under the “three free room night” onsite offer.

Penalty Credits
Any penalty or cancellation fees may be applied for full credit to any other Knowledge Bureau program for a period of one year from date of cancellation

Payment
Knowledge Bureau will take your payment information upon receipt of the registration form, and fees will be deducted as follows:
• full registration fees upon registration, (instalment plans however are available)
• 100% of hotel fees (including taxes) on September 15th

Registrations after September 15
100% of registration and hotel room fees are payable. VISA, MasterCard or Amex are the preferred methods of payment. If paying by cheque, please post-date cheques accordingly and submit Knowledge Bureau, 187 St. Mary’s Road, Winnipeg, MB R2H 1J2. There is a $45 charge for any NSF cheque or declined credit card.

Currency
Note that registration fees paid are in Canadian Funds for Canadian attendees. The same fee amounts are paid in US funds by US attendees. Hotel room costs do not include taxes and any applicable service fees and are charged in Canadian dollars. Fees for hotel rooms will be collected on September 30th in full.

Exchange rate fees
After September 30, aside from the currency differential, Knowledge Bureau will charge a minimum 2% exchange rate fee to cover the charges we incur to convert Canadian to US currencies.

Incentive Plans
Free hotel room nights may be offered in two instances: (1) to attendees who register and pay on site at the DAC for next year’s event and (2) upon recommendation of a friend, as available and at the complete discretion of Knowledge Bureau. In the latter instance, send referral contact information to Registrar at Knowledge Bureau, 1-866-953-4769. When your friend registers as a new delegate with full payment, we will provide you with one free hotel room night. This offer is for new registrants only and extends to a maximum of three recommendations: three hotel room nights. However, note our cancellation policies above.

Money Back Guarantee & Refund Policies
We invite you to Enrol Risk Free in self-study programs, to be sure you have made the right decision for your time and money. We also invite you to discuss your needs through an appointment with our highly training Educational Consultants. Eligible withdrawals may require adjustments to fee schedules for penalty provisions and volume discounts before refunds are issued, as fee structures may vary throughout the year, depending on when a student begins, with early registration fee reductions available according to sessional enrolment dates, or when students enrol in group study sessions. Here are the refund policies:

Single Courses
If you are not satisfied upon review of your self-study certificate course, Chapter 1, your money is refunded — no questions asked — provided you contact us within one week of course registration. If you received any hard copy material, return those materials at your cost in saleable condition within that week.

Unsaleable materials will not be refunded. If you complete the quizzes or case studies beyond the first chapter in your course, you will no longer be eligible for a refund. You have 3 months to complete each course. After this you may request an extension. If you do not start at all, you are considered to have purchased and used the course materials for the entire enrolment period or any part thereof.

Diploma/Designation Programs
You have 9 months to complete a diploma program; 18 months to complete a designation program, but you can do so sooner.

You must complete your first course in your diploma/designation program for consideration to withdraw. You may withdraw from the program within three months. There will be no refunds after this; that is, you are committed to taking the diploma or designation program unless there is a hardship.

Any refunds are subject to an administrative charge of $295.00. All multiple course discounts will be forfeited. Students who pay by instalment also forfeit their finance fees. Administrative charges can be applied to future course purchases within one year of withdrawal.

Hardship Policy
In the case of severe hardship, including illness of the student, illness of a family member or death of a family member, provide a letter to the Registrar outlining reasons for the request from a medical practitioner.

Two options are available:

1. Course completion deadlines are extended based on mutual discussion of a reasonable restart date within one year of enrolment. If the period must exceed 1 year, students may be required to re-purchase updated course materials at the lowest price point at that time.

2. Withdrawals. There are no withdrawals or refunds allowed after 3 months in the case of a regular program; one year in the case of hardship. Any charges incurred due to this policy may be applied in full to future enrolments.

NSF Fees
A $45 fee will be assessed on each NSF or declined charge card payment. NSF fees will be waived by paying the balance of tuition owing in full by credit card. Note: 3 instances of default will result in expulsion from your program with re-initiation possible on receipt of all outstanding amounts plus an extension fee of $99.

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Continuous Improvement Philosophy
At Knowledge Bureau, we always try to enhance our relationship with all our students by investing in a Continuous Improvement and “EverGreening” philosophy to content development and student services. We invite you to share in this philosophy by helping us to continuously improve and update.

Continuous Improvement: When we become aware of errors, omissions or other improvements required we fix those errors and omissions either by personal contact, in the course materials, through use of email and/or our Knowledge Bureau Report, depending upon the urgency and breadth of the matter. We also include clarifications and improvements to Guidance provided for students as required.

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Dissatisfaction during course of study period
We work with the student to fix the problem to the best of our ability and resources, so the student can complete their studies successfully. The student has paid for access to student support as part of the tuition fees for a defined period. In cases where the student has not contacted us for help along the way or has not started the program within the study time allotted time for it, it is considered that the student has used the materials for personal use and there is no further action. As such, there are no refunds.

Dissatisfied on completion of programs
Our mandate is to help students successfully complete their programs. We identify the issues, determine whether courses/materials need adjustments, if there is a legitimate problem with the product or service, make corrections, and teach to the issues. There are no refunds for convenience or failure to start.

Expressing our gratitude
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