Practice CFP-style reasoning through guided conversation, structured case writing, and rubric-based feedback.
A case-based learning tool for Canadian CFP exam candidates. No shortcuts, no inflated promises — just deliberate practice.
Three tools built for CFP exam preparation, working as a single learning cycle.
Clarify CFP concepts through guided questioning. The tutor asks you to explain your reasoning, surfaces gaps in understanding, and builds conceptual clarity — without giving you answers or grading your work.
Write CFP-style constructed-response answers under exam-like conditions. Submit your work and receive rubric-based feedback: what you did well, where you fell short, and what a strong response looks like.
See what to study next based on your recent sessions. The planner reviews your tutor and case activity and suggests whether to revisit a concept or practice another case.
A three-step cycle: understand CFP concepts, apply them under exam conditions, then decide what to study next.
Start with the AI Tutor. Explore CFP concepts through Socratic questioning — the tutor checks your reasoning and surfaces blind spots. No scoring, no model answers.
Write full constructed-response answers under exam-like conditions. Receive rubric-based feedback aligned with CFP exam standards, including error classification and high-score contrast.
Review your recent session summaries and get a recommendation on whether to revisit a concept with the tutor or practice another case. Session-based guidance, not long-term predictions.
Track your preparation journey with session summaries and study recommendations.
Hear from CFP candidates using structured case-based practice.
“The structured approach changed how I prepare. Instead of reading passively, I actually work through cases and get feedback on where my reasoning falls short.”
Sarah M.
CFP Candidate, Ontario
“Having a tutor that asks me questions instead of just giving answers forced me to think more carefully. The case practice then showed me if I really understood.”
David K.
CFP Candidate, British Columbia
“I appreciate the honest feedback. It does not tell me I am ready when I am not. The rubric-based grading helped me see exactly what a strong answer looks like.”
Priya T.
CFP Candidate, Alberta
Start free with AI Tutor and introductory cases. Upgrade for exam-level practice.
Start your CFP exam preparation at no cost.
Full access to all 114 CFP-style cases. Available soon.
Common questions about LazyRatio and CFP exam preparation.
LazyRatio is a structured learning tool for Canadian CFP exam candidates. It focuses on the case-based constructed response portion of the exam, helping you build understanding of CFP concepts, practice writing full case answers under exam-like conditions, and know what to work on next.
The system follows three steps: Learn with an AI Tutor (Socratic questioning to build conceptual clarity), Apply with Case Practice (write full constructed-response answers and receive rubric-based feedback), and Decide what to focus on next based on your session results.
Yes. Case practice sessions are structured around the constructed-response format used in the CFP exam. Cases are mapped to FP Canada competency areas and cover financial planning topics including retirement, tax, estate, insurance, and investment planning. Feedback is based on rubrics aligned with CFP exam standards.
No. The AI Tutor uses a Socratic approach. It asks questions, checks your reasoning, and helps you discover gaps in your understanding. It will not provide model answers or grade your work.
Your case answers are evaluated against rubrics aligned with the CFP exam format. You receive a structured breakdown covering what you did well, where you fell short, and what a high-scoring response looks like. Grading includes error classification and high-score contrast.
No. LazyRatio is a practice and feedback tool, not a textbook replacement. It is designed to be used alongside your study materials. The AI Tutor helps you think through concepts, and Case Practice lets you apply what you have learned — but you should still read and study the source material.
No. LazyRatio is a learning and practice tool. It helps you build structured understanding and practice under exam-like conditions, but exam outcomes depend on many factors. We do not promise pass rates or score improvement.
Progress tracking is limited in the current version. You can see recent session summaries and session-based recommendations. Long-term mastery tracking, competency indices, and readiness predictions are planned for a future version.
The Free plan includes unlimited AI Tutor sessions and access to all 17 introductory cases with full rubric-based feedback. The Paid plan ($29.99/month) unlocks all 114 cases across introductory, core, and advanced difficulty levels, plus advanced study analytics. You can cancel anytime.
Build your understanding of CFP concepts, practice constructed-response cases under exam conditions, and get structured feedback. Start with a free account.