FINANCIAL AND CONSUMER SERVICES COMMISSION

A new online resource to help parents teach their children to spend smart is being launched by the Financial and Consumer Services Commission (FCNB). The e-book Smart Tips: Helping the next generation 'spend smart' is intended to help parents and caregivers find ways to make the money talk fun and engaging.

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Smart Tips eBook

	Smart Tips Archive

Infographics

Red Flags of Fraud

Cross Selling 1 - What is cross selling?

Cross Selling 2 - What investors need to know

Cross Selling 3 - How to protect yourself

Robo-Advisors 1 - How it works

Robo-Advisors 2 - Questions to consider

Robo-Advisors 3 - Protect and inform yourself

Blueprint to protect yourself against Mortgage Fraud

15 Years of Fraud Prevention Month

Protect your business from cyberattacks

Binary Options

Cryptocurrency

Initial Coin Offerings

Navigating a CEDC Offering

Are New Brunswickers investing in New Brunswick?

The Road to Car Insurance

So you say you want a credit card?

5 Myths on Elder Financial Abuse

How do payday loans work?

What are the rules for payday lenders?

What does a payday loan cost?

Can a payday lender do that?

Videos

Fraud Prevention

Investment Fraud Checklist

If you answer no to any of these questions, STOP! The investment might be a scam.

Protect your money: Avoiding Frauds and Scams

(CSA) You’ve heard the saying “if it sounds too good to be true, it probably is.” It’s good advice, and this guide to help you recognize and avoid frauds and scams.

How to Spot a Scam Artist

Investing can be risky enough without worrying about whether a sales pitch is a scam or not! To help protect yourself from scam artists, watch out for these warning signs.

Protecting your retirement

Are you concerned about having enough money for your retirement? That could make you a prime target for investment fraud.

Fraud Among Friends

Affinity fraud occurs when a scammer targets tight-knit groups such as associations, unions, social clubs, online social networks, and ethnic or religious communities. Read this brochure to find out how to avoid fraud among friends.

Become a Master of Spotting Fraud (English)

كن خبرياً يف اكتشاف عمليات اإلحتيال

Become a Master of Spotting Fraud (Arabic)

Families & Youth

Teacher eBook

Here’s a great set of tips for teachers who want to start the conversation on money in their classrooms!

Simple Student Budget

8 Month Student Budget

Holiday Budget

Four Gifts of Christmas

A budget is a tool that helps you gauge exactly where your finances are now, and helps you get them where you want them to be.

Make it Count! - Parent

A Parent's Guide to Youth Money Management

Make it Count! - Instructor

An Instructor’s Guide to Youth Money Management

ABC's of Investing

Learn about different types of investments and how they work.

Financial Life Stages

Spend time teaching children about financial responsibility.

Financial Foundations on Insurance

Having insurance can protect you and your family by reducing the potential of financial loss in the event of unanticipated events such as property damage, theft, illness or death.

Retirement Planning

Does planning and saving for your retirement while juggling current bills andexpenses seem impossible? You’re not alone.

Living your Retirement

When preparing your financial plan for retirement, it's important to find the right balance of income, safety and growth for your lifestyle.

The Record Keeper

Do you remember where you’ve stored the deed to your house or where your life insurance documents are? Do your loved ones have contact numbers for your financial planner, accountant or lawyer in case something happens to you? The Record Keeper provides the perfect place for storing essential information in one handy location.

Smart Tips eBook

In our recent Smart Tips campaign, we asked New Brunswickers to pass their best financial tips on to the next generation.

Apartment Essentials

This list will help give you an idea of what you will need to bring with you when moving into your first apartment.

For Seniors

Recognizing Financial Abuse

This brochure helps families and caregivers recognize red flags of financial abuse and take the next step to report and stop the abuse.

Money Talks: Financial Abuse

This checklist will help you start a conversation if you are concerned about the financial well-being of your parents or a senior close to you or you suspect they may be suffering financial abuse.

Estate Planning

Having an estate plan in place helps ensure that your financial and family wishes are met after you pass away.

5 Myths on Elder Financial Abuse

Protect yourself and seniors in your community by recognizing these 5 myths on elder financial abuse.

FCNB Senior Engagement Sessions

FCNB Forum on Senior Financial Abuse

Improving detection, prevention and response to senior financial abuse in New Brunswick.

Early Signs of Financial Decline

Spotting these signs of early financial decline can help protect your loved ones.

Senior Financial Abuse in New Brunswick

FCNB issued a consultation paper in 2017 looking for solutions to help prevent and respond to the financial abuse of seniors in New Brunswick.

Grandparent Scam Checklist

Before sending money to a relative or friend in trouble, here are some things to ask yourself to help determine if the person on the phone is a genuine relative or someone trying to steal your money.

Investing

Investing Basics

(CSA) Most people know they should play a more active role in their investments but they often don’t know where to start. This guide will help to get you on your way.

Introduction to Investments

Read this document to learn about different kinds of investments and how they work.

Investments at a Glance

(CSA) This guide tells you about different kinds of investments and some things to keep in mind when you’re considering an investment.

Be an Informed Investor

Being an informed investor is the best way to protect your money.

Five Steps to Choosing an Advisor

Before investing, follow these 5 simple steps to choosing a financial advisor, and use this workbook to record the information you found.

Mutual Funds

A guide to understanding what is a Mutual Fund.

Understanding Mutual Funds

(CSA) Thinking about investing in mutual funds? They can be an effective way to save for important financial goals. But like all investments, they have their risks.

Tracking Budget Binder

Use this budget binder to track your expenses and compare with your budget check sheet.

Borrowing to Invest

This guide will help you understand what is leveraging.

Financial Adviser Fees

Here are a few terms to help you understand the fees associated with investing and working with a financial adviser.

Working with a Financial Adviser

(CSA) Good investment advice is important and so is choosing the right adviser.

Investment Planning Workbook

To help you work through information that is important to your overall investment strategy.

Understanding Registration

The category of registration tells you what products and services a firm or individual can offer. Make sure you understand their qualifications and the products or services they are selling you.

Making a Complaint

A Guide for Investors. This guide provides tips for: making effective complaints, the role of the Financial and Consumer Services Commission, how to report wrongdoing, and options available if you’re seeking your money back.

For Consumers

Saving and Spending

To reach your financial goals, and get the most out of your money, becoming a smart spender and saver is essential.

Credit and Debit

Taking on any debt (large or small) should be well thought out considering the length of time and the cost you will incur.

Buying a Vehicle Workbook

Use this workbook to help with your vehicle purchase decision, available as a PDF or as fillable Excel worksheet.

Auto Accident Report Form

Being involved in an accident can be stressful. Use this form to record the important details.

Consumer Notice: GAP Vehicle Insurance Products

This notice is to inform consumers about the sale of GAP products at automobile dealerships.

Standard Owners Policy

Standard Owners Policy for automobile insurance.

Ask before you buy

Use these tips to make sure you are being a smart shopper!

Gift Cards

It is important that you know the conditions and rules that apply to a gift card before purchasing it.

Collection Agency Rules

The agency and the individuals who work as collectors must be licensed with the Financial and Consumer Services Commission and must follow the rules outlined in this document.

Direct sellers

Direct sellers (or door-to-door salespersons) are required to be licensed and bonded under the Direct Sellers Act. Use this document to find out more about direct sellers.

Power of Attorney

Has someone “given you” power of attorney? You may be wondering what this means, what your responsibilities and obligations are, what you do not have the right to do, and how you can best fulfill this role.

Printable Complaints Form

Use this fillable complaints form to print and send by email, fax or mail.

Hiring a Contractor

Dos & don'ts for hiring a contractor

Mortgage Broker Regulators' Council of Canada

The MBRCC is an inter-jurisdictional association of mortgage broker regulators in Canada. The mandate of the MBRCC is to improve and promote the harmonization of mortgage broker regulatory practices across Canada to serve the public interest.

How to Read a Paystub

Sample Paystub

This guide will help you understand how to read a paystub

For Women

I'm Worth It! Guide

This guide is a collection of shared stories and advice on how to help yourself and others with financial management. Includes tips, strategies and planning for your financial future.

Financial Roadmap

Feel free to update your roadmap as much as you like. Adjust things to make sure they fit your current situation and to make sure they are attainable.

Values Quiz

When you spend money or make investment decisions, you might actually be repeating the actions of your parents and family members without considering if those actions work for you.

Build a Budget that Works

Monthly Budget

Help track your expenses and plan your finances more effectively with this monthly budget.

* The terms ‘adviser’ and ‘financial adviser’ used here generally refer to a financial professional (which may include securities dealers; advisers; dealing representatives; advising representatives; or other registrants) and do not indicate a category of registration. The registration category is more important than a title – always check registration before you invest.