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The SmithManoeuvre.
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The Smith Manoeuvre in your professional practice.

Help clients understand what their financing could make possible, and what it requires. Smith Manoeuvre certification connects financing, investing and tax in a coordinated approach.

Loved ones gathered outdoors in the sunlight.

One shared method. Complementary expertise.

Brokers, advisors and tax professionals play different roles. A shared understanding helps them ask the right questions and document decisions.

Three steps to explain to your clients.

Explain the role of readvanceable financing to your clients: a product that may make credit available as their mortgage principal is repaid. The lender sets the limits.

A couple reviews their budget at home.

Repay principal

Distinguish principal from interest in the client’s mortgage payment. Only the principal portion repaid may free up new borrowing capacity, depending on their agreement.

A homeowner reviews a tax file with an accountant.

Reborrow to invest

Explain how available credit is used to acquire qualifying investments in a non-registered account. Within your scope of practice, help document the link between every borrowed dollar and its use.

A home entrance with a porch and garden.

Review and reapply

Coordinate the deductibility review with the professional responsible for the client’s tax matters. Any resulting tax refund can be applied to their mortgage within its prepayment limits, and the cycle may begin again.

Expertise to put into practice.

Explore the certification program’s training, tools and network. The goal: explain the strategy more clearly and recognize situations where it does not fit.

  1. Discover the method
  2. Discuss the program
  3. Train
  4. Complete certification
  5. Guide and collaborate

Specialized expertise takes shape step by step.

Discover the method, discuss the program, train, complete certification, then guide clients. See what each stage helps clarify.

A professional studies at his desk.
  1. Discover the method
  2. Discuss the program
  3. Train
  4. Complete certification
  5. Guide and collaborate

Frequently asked questions about the SMCP program

These are the questions professionals ask most often. Some official program terms are still being confirmed.

What do the registration fee and the $365 monthly membership include?

The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.

Can I cancel at any time, and what happens if payments stop?

The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.

After cancellation, do I retain my certification, SMCP designation, branding, and access to the tools?

The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.

How long does training take, how does the exam work, and when may I use the SMCP designation?

The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.

Which professionals are eligible for SMCP certification?

The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.

Which tasks may I delegate to my team, and who must complete training or hold certification?

The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.

Which tools, calculators, and marketing resources are included with membership?

The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.

Are leads included with membership, and how are they distributed?

Eligibility and distribution rules are being confirmed. No lead volume, frequency, quality, or conversion should be assumed or considered guaranteed.

What ongoing support and professional network are available to members?

The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.

Can I keep my membership if I change companies, and are territories limited?

The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.

What does SMCP certification permit, and how does the program help members remain within their professional scope?

SMCP certification does not replace any professional credential, licence, or obligation, and it does not authorize advice outside your professional scope. Profession-specific compliance resources and expectations are being confirmed.

Bring a new perspective to your practice.

Explore certification, resources and the journey before making your choice.

Discuss certification
Two professionals review a file together.