LazyRatio is a structured learning system designed for Canadian CFP (FP Canada) exam candidates. It focuses on helping you build stable scoring ability in Case-based Constructed Response questions through a combination of AI tutoring, realistic case studies, and structured feedback.

The AI Tutor uses a Socratic teaching approach to help you understand CFP concepts. It explains ideas clearly, asks probing questions to surface assumptions and blind spots, and guides your thinking without giving away answers. The Tutor operates in learning mode only and does not score your work.

Case Studies are realistic exam-style scenarios that mirror the structure and complexity of actual CFP constructed response questions. Each case presents a client situation with real constraints, financial data, and competing priorities. You write your response independently, then receive structured grading and feedback.

Your case study submissions are evaluated by our structured grading system against rubrics aligned with CFP exam standards. You receive detailed scoring breakdowns, error classification, and high-score comparisons. Grading is consistent, transparent, and traceable to specific competency criteria.

LazyRatio covers the full range of CFP competency areas tested in the constructed response format, including financial planning, tax planning, retirement planning, estate planning, insurance and risk management, and investment planning. Case content is mapped to official FP Canada learning outcomes and textbook materials.

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. 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 an independent learning tool and is not affiliated with, endorsed by, or connected to FP Canada in any way. The content is designed to align with CFP exam standards for training purposes, but it is not an official exam preparation product from FP Canada.

LazyRatio offers two plans. The Free plan includes unlimited AI Tutor sessions and access to 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 the Paid plan anytime.

Create a free account by clicking "Get Started" on the homepage. Once signed in, you can begin with the AI Tutor to review concepts, then move to Case Studies to practice constructed responses. The Planner will recommend your next steps based on your session history.