RWM™-Real Wealth Manager Designation

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Advanced Tax and Financial Planning

Your Pathway to the
RWM™ - Real Wealth Manager Designation Program Designation

Take twelve modules

As a designated specialist, provide high value advice to help people meet wealth management goals. Study time is flexible—take up to 9 months to finish.

Earn Your RWM™ Credentials


A co-ordinated approach to wealth management is lacking between all the financial intermediaries – financial, legal and tax advisors – serving investors. There are also new best interest duties
required by regulators in the financial services. More than ever, clients expect to receive advice that is relevant both for today’s business environment as well as for the long-term wealth accumulation activities the family embarks upon.
They are looking for a wealth manager to connect the dots between the various
silos of expertise they may be paying for. Above all, they’re looking for someone they trust to provide direction for making important financial decisions about their income and their capital, now and in the future.

This program will take you beyond the traditional scope of product placement, into an environment where you can
integrate the kind of value-added long-term guidance, planning and leadership
that will distinguish your practice.

Who Should Take it? Advisors who truly want to offer a new value proposition and build strong, inter-generational, multi-advisory relationships throughout personal and financial lifecycles, will want to use a new approach: Real Wealth Management.

The course entails the completion of 18 online modules and features a case study approach using 15 sophisticated software tools to enable deeper conversations and projections that answer specific financial trigger questions.

Of special interest to tax and financial advisors, retirement, investment, insurance and estate planners, but also perfect for any individual wishing to take control of the wealth they accumulate throughout their lifetime.

You’ll complete 18 comprehensive modules in this important professional program:

Real Wealth Management Program

PLUS: You’ll fulfill a practice management thesis by developing a wealth management case study.

“What surprised me about the courses was the outcomes.”

—Ian Wood, CFP, CLU, CIM, MFA™, RWM™

Who is the Real Wealth Manager™?

The most trusted financial advisor is the strategist who leads all the other specialists in the execution of their clients’ multi-faceted financial plans.

Advisors authorized to use RWM™ designation behind their names have a deep and broad understanding of both the behavioral and financial skills required to manage family wealth over several generations. In collaboration with the family, and an inter-advisory team of financial professionals, RWM™ develops a strategy and follows a process to manage intergenerational wealth on an after tax-basis.

This sets the standard for decision-making for investment, retirement, business, succession and estate planning. The team educates, advocates and stewards responsible accumulation, growth, preservation and transition of wealth from one generation to the next.

What’s Involved?

With the training, tools and processes, the RWM™ is highly trained to consider a client’s accountable financial outcomes with a consistently high standard of care. Over the long term, the RWM™ contributes not only as a knowledge specialist, but most importantly, as the primary advisor trained in the inter-advisory discipline of Real Wealth Management™. Specifically, the RWM™ possesses:

  • Deep Knowledge in a field of specialization suitable to their clients’ needs:
  • Investment Income Services
  • Retirement Income Services
  • Tax Planning Services
  • Succession and Estate Planning Services
  • A Strategy and Process for joint decision-making as illustrated below:

The RWM™ Framework

What Skills Does the RWM™ Possess?

The RWM, the primary advisor in providing comprehensive and collaborative wealth advisory services, is specifically trained to lead strategic decision-making by an inter-advisory team with family stakeholders. The steps to this approach include:

  • Possessing deep knowledge in the advisor’s field of practice
  • Acting as the primary advisor through a strategic process of decision making
  • Listening for the client’s life and financial triggers
  • Strategizing using the “Four RWM Elements”: accumulation, growth, preservation and transition of sustainable wealth
  • Managing the team of specialists to provide required expertise for financial solutions
  • Implementing the RWM strategy on an efficient after-tax, after-cost basis with all stakeholders
  • Analyzing financial data expertly and consistently over time to meet financial milestones
  • Reviewing and adjusting the strategy and process to meet ongoing client objectives

Program Content

RWM Strategy

Module 1 | Defining Real Wealth Management

Module 2 | The Strategic Approach in Real Wealth Management

Module 3 | The RWM Process

Module 4 | The Costs of Building Wealth

RWM Process

Module 5 | Accumulation

Module 6 | Growth

Module 7 | Preservation

Module 8 | Transition

Module 9 | Objective-Based Family Planning

RWM Theory: The Tax Backdrop

Module 10| Tax Strategies: Managing Sources of Income and Capital

Module 11| Cross-Border Issues - Canadians and US Investments

Module 12| Start Ups: Incorporated or Unincorporated

Module 13| CCPC Planning - Understanding
Shareholder Equity

Module 14| CCPC Planning Shareholder

RWM: Practice Management

Module 15 | Leading the Real Wealth
Management Strategy

Module 16 | Sharing the Plan with
Inter-Advisory Stakeholders

Module 17 | Analysis, Accountability and Go Forward Planning

Module 18 |You, the Real Wealth Manager

Want Customized Solutions?

According to a recent study* by the CFA Institute, “the connection between professional skills and customer outcomes must become more symbiotic… wealth managers must demonstrate greater relevance to the current and future needs of clients and prospects.” The RWM cements his or her relevance to the family by confidently delivering customized financial strategies based on client objectives and goals with a process for accountable solutions over time. Your clients will appreciate the opportunity to make sound financial decisions with a most trusted advisor who really knows them well and can help them visualize the future while navigating a complicated financial world. The result is a pathway to true affluence and peace of mind.

*The Value of Premium Wealth Management, 2017

Join the Society of Real Wealth Managers™

Become a Society of RWM Member for your access to the RWM™ Calculators for FREE!

“Knowledge Bureau, with their first-class courses, offers asustainable, long-term educational framework for industry professionals.

This is about implementing the Real Wealth Management process from an emotional intelligence, as well as a technical point of view, to guideclients in achieving their goals”

—Stefanie Keller, CFP, RWM™

Have You Met Your CE/CPD Requirements?

Please read the Standards of Conduct.

Please read the Standards of Conduct. Designates of Knowledge Bureau require 15 CE/CPD credits before June 30 to re-license their registered marks for the next 12 months.

Please contact us to stay onside with your re-licensing requirements and to receive your VIP designate rates on your tuition fees.

Your Tuition Includes
These All-Inclusive Resources

• Personal course selection consultation
• Virtual campus orientation
• Lesson and study plans
• Personal instructor email support
• Comprehensive Knowledge Journal
• EverGreen Online Research Library
• Knowledge Bureau calculators
• Testing and certification
• CE/CPD accreditation
• Examination, certification and designation

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Complement your online education with CE Summits. Held in November, January and May, these one-day, instructor-led workshops offer peer-to-peer learning experiences to students who prefer studying in groups.


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