Session 1: Introduction to Canadian Banking
Overview of the Canadian banking system and common financial products.
Newcomers & Recent Immigrants Stream
Many newcomers arrive with education, professional experience, and ambition, yet face barriers such as:
- Limited understanding of Canadian banking systems
- Difficulty building credit
- Uncertainty about taxes and benefits
- Credential validation challenges
- Employment pathway confusion
- Language barriers
Without guidance, these obstacles can delay financial stability and economic mobility.
This stream of FLIP was created to provide structured, culturally responsive support during this critical transition period.
Services are available in English and French.
What Participants Learn
Over eight structured sessions, participants gain practical knowledge in:
Financial Foundations
- Understanding Canadian banking
- How credit works and how to build it
- Budgeting and savings strategies
- Avoiding predatory financial products
Income & Employment Pathways
- Resume development aligned with Canadian standards
- Interview preparation
- Understanding workplace expectations
- Exploring trades and alternative career routes
System Navigation
- Introduction to tax filing and government benefits
- Guidance on credential validation
- SMART goal setting for short- and long-term planning
Life Skills & Stability
- Decision-making frameworks
- Financial stress management
- Planning for household stability
Why This Program Matters
When newcomers lack clear financial direction, it can result in:
- Delayed career progress
- Avoidable debt
- Underemployment
- Increased stress within households
FLIP accelerates the transition from arrival to advancement by equipping participants with tools, networks, and clarity.
Participants leave with:
- Increased financial confidence
- A clear employment strategy
- Improved understanding of Canadian systems
- Actionable next steps toward stability
Complete Detailed Curriculum
Session 2: Creating a Financial Identity
How to build credit and financial recognition in Canada.
Session 3: Investment Vehicles
Introduction to Canadian investment options.
Session 4: Insurance in Canada
Understanding the necessity of various types of insurance.
Session 5: Taxation and Government Benefits
Navigating taxes and maximizing government benefits.
Session 6: Resume and Employment
Building a Canadian-style resume and job search strategies.
FLOW is a Black-led non-profit organization focused on strengthening financial knowledge, skills, and capability amongst vulnerable Black youth & young adults in Hamilton, Ontario.
Quick Links
Programs
Contact
Copyright @2024 Flow Management inc.