FTWP Shipping

MQ In Action – Christopher Castles, ACS

About our Guest Veterans

Christopher Castles, ACS

Christopher is the Managing Director of Cosca Partners Holdings Pty, Ltd in Queensland, Australia.

Chris is a Certified Practising Accountant, Certified Financial Planner and Fellow of the Australian Institute of Company Directors. Following his service in the Royal Australian Air Force, Chris has served as director and committee member for both listed and unlisted public companies involving international and domestic operations and spanning financial services, funds management, health and agribusiness.

About the Webinar

The “MQ in Action” series provides the opportunity to hear how other financial planners are utilizing the Money Quotient materials. Each session features Veteran Money Quotient Partners sharing their unique expertise and approach to using the MQ materials. The session concludes with an open forum for questions.

Topics our Veteran will cover include:

  • An overview of their implementation process, using MQ tools with prospects and existing clients.
  • An in-depth look at their client engagement model after years of experience, showing each MQ tool being used.
  • Their observations about changes they made to more effectively engage clients and integrate the MQ materials.
  • Their approach for recognizing and managing client push-back and how they adapted to this resistance.
  • Their recommendations for making the most effective use of the MQ materials.

This webinar is open to EVERYONE!

  • FREE to MQ Partners
  • $25.00 fee for Others

EQ Skills Workshop: Developing Communication Strategies to Enhance Client Engagement

 

Please note: This course is for those who have been current MQ Partners for at least two years. 

Would you like to improve how you navigate the conversations with the MQ Tools? Are you ready to enhance your listening and facilitation skills?

If you have been an MQ Partner for two or more years and would like to increase your effectiveness with the True Wealth™ Planning process you have created in your practice, than this is the workshop for you!

Come join MQ President Amy Mullen, CFP® and MQ Veterans Brenna Baucum, CFP® and Paul Leighton, CLU, ChF as they guide you through a three-day virtual intensive workshop. This experience will provide you with a refresher on the purpose, objectives, and psychological aspects at play in each stage of the client relationship, an overview of various communication frameworks and techniques from the Motivational Interviewing model, and opportunities to observe demonstrations, practice with partners, and provide and receive feedback in small groups as each participants works to improve.

Description

A fully engaged client is more likely to commit to the financial planning process and implement recommended financial strategies. In this three-day virtual workshop, MQ Partners will explore best practices in communication to engage the client’s heart and mind throughout the discovery process. Through large group discussions and small group breakouts, MQ Partners will get an invaluable opportunity to observe demonstrations and practice using the MQ Tools in a rich learning environment. 

“I appreciated the refresher on each stage, as well as the competency review. And then we went deeper! We could reflect on actual usage/experience with clients.” – MQ Partner Janel Carroll

This workshop is a fit if you are an MQ Partner wanting to reengage yourself with the suite of available MQ materials and looking for research-backed communication techniques to deepen your conversations with clients. 

“The role plays yielded authentic, vulnerable discussions that brought us closer together. If it did that for us, it can certainly do the same thing with our clients which will only deepen the relationship and benefit them.” – MQ Partner Guy Clanton

Trainers Amy Mullen, Paul Leighton, and Brenna Baucum will focus on each stage of the financial planning process to: 

  1. Explore the intellectual and emotional competencies required of the advisor to strengthen the client experience;
  2. Understand the unique objectives of each client meeting; and,
  3. Learn and practice communication techniques that help identify the qualitative information needed to form the foundation of the financial plan.
  4. Define and demonstrate the intellectual and emotional competencies required of the advisor to increase effectiveness and efficiency
  5. Learn and practice facilitation techniques that guide clients to discovering their own insights and solutions
  6. Hone and strengthen listening skills to identify the relevant qualitative information needed to form the foundation of the financial plan.

“Watching Paul, Brenna and Amy serve as the advisor in the demonstrations was very valuable, and then practicing immediately after reinforced my confidence.” – MQ Partner Ryan Klekar

This course will be limited to 24 attendees, and participants will earn 15.5 CFP CE. 

Learning Objectives

  • To develop active listening skills to identify the relevant qualitative information in each stage of the financial planning process;
  • To learn communication and facilitation skills that will help you better understand the client’s needs and values;
  • To gain insight into how to introduce and explain the objectives of each stage of the financial planning process;
  • To learn the basic concepts and theories from disciplines such as psychology, neurology, adult development, and communications to facilitate the meeting process in an efficient and meaningful way; and,
  • To explore how effective communication can truly make a difference in the lives of financial planning clients.

Schedule

This three-day event will run from January 18-20, 2023, from 9 am – 2 pm PT.  Attendance for the entirety of the training is required for CFP CE. 

Tuition and Registration Deadlines

This training is available to existing MQ Partners only.

  • MQ Partners: $1,800

Registration deadline: January 9, 2023

Cancellation Policy

By registering for this training you agree to the following policies:

  • If you cancel on or before December 30, 2022, you will receive a full refund, minus a $100.00 processing fee.
  • If you cancel between December 30 – January 9, 2023, you will receive a 50% refund, minus a $100.00 processing fee.
  • No refund will be provided for cancellation after January 9, 2023.
  • No refund will be provided to individuals who are registered but do not attend the EQ Skills Training Session (i.e., “no shows”).

MQ Fundamentals of True Wealth™ Planning Training Course | Portland, OR

24 CE accepted by the CFP Board

If you haven’t had a Getting Acquainted meeting with us yet, please click here to schedule one before registering. This is valuable time that will help us learn a bit more about what you’re looking for and allow us to share an overview of what it’s like to join the MQ Community. 

Registration for this Fundamentals Training  course has closed. Please email us to be added to our wait-list! Registration for the virtual training beginning on September 28 is still open. 

About the Training

The purpose of the MQ Fundamentals of True Wealth™ Planning training course is to provide participants with a thorough overview of Money Quotient’s unique model of life-centered financial planning. This training introduces the philosophical foundation and academic theories that have shaped the development of our tools and training. In addition, we provide invaluable hands-on experience with the full suite of MQ materials and facilitate important discussions regarding implementation and related practice management issues.

A key objective of this training is to expand the participants’ knowledge of the MQ materials and to provide an understanding of how these tools can support a unique and purposeful client meeting process. Completing this training is a prerequisite to licensing the Money Quotient materials. Click here to learn more about our licensing levels and the tools and benefits of each.

Learning Objectives

By attending this course, you will learn and experience the following:

  • Define “life planning” and its inextricable link to the 7-step financial planning process.
  • Outline essential principles that comprise the True Wealth™ Planning process.
  • Learn the practical and emotional factors that either enhance or hinder life satisfaction and financial well-being.
  • Define the roles and skills of a financial life planning approach and determine the boundaries for an ethical practice.
  • Learn how to strengthen communication skills and build trusting, meaningful, long-lasting client relationships.
  • Learn how to multiply the effectiveness of any client discovery process.
  • Experience methods for aligning financial advice with the unique set of values, priorities, and circumstances of each financial planning client.
  • Learn ways to empower clients to take action and increase their commitment to the financial plan’s success.

Schedule

Our Fundamentals of True Wealth™ Planning course will be held over three days:

Monday, September 12 – Wednesday, September 14
8:30 am – 5:00 pm PT

Daily Agenda: 

8:30am – 10:00 am       Session 1
10:00am – 10:15am     Break
10:15am – 12:00pm     Session 2
12:00pm – 1:00pm        Lunch
1:00pm – 2:15pm           Session 3
2:15pm – 2:25pm           Break
2:25pm – 3:35pm           Session 4
3:35pm – 3:45pm           Break
3:45pm – 4:45pm           Session 5
4:45pm – 5:00pm           Harvest & Evaluations

More Information

Download this printable information packet for more detail about the daily schedule, learning objectives, attendee requirements, and what comes after the training.

Registration Fees and Deadlines

  • First Time Attendee: $2,600
  • Alumni Attendee: $1,300
  • NAPFA Member: $2,340
  • Nazrudin Member:  $2,340

Registration closes August 26, 2022!

Venue and Lodging

Money Quotient has acquired a block of rooms at The Kennedy School that will be available at a special rate just for Fundamentals participants. To learn more, please download the information packet. To ensure availability, room reservations must be made no later than Friday, August 12.

Cancellation Policy

By registering for this training you agree to the following policies:

  • If you cancel on or before July 28, 2022, you will receive a full refund, minus a $100.00 processing fee.
  • If you cancel between July 29, 2022 – August 26, 2022, you will receive a 50% refund, minus a $100.00 processing fee.
  • No refund will be provided for cancellation after August 26, 2022.
  • No refund will be provided to individuals who are registered but do not attend the MQ “Fundamentals” Training Session (i.e., “no shows”).

Any cancellation, at any time, by a registrant who has received a training binder or other training materials is responsible for returning the materials to Money Quotient at their own cost. Money Quotient will refund the cost according to the above schedule once the materials are returned.

MQ Fundamentals of True Wealth™ Planning Virtual Training Course

Registration has closed for the February training. Please email us to inquire about additional availability. 

However, registration is open for June and September!

24 CE accepted by the CFP Board

If you haven’t had a Getting Acquainted meeting with us yet, please click here to schedule one before registering. This is valuable time that will help us learn a bit more about what you’re looking for and allow us to share an overview of what it’s like to join the MQ Community. 

About the Training

The purpose of the MQ Fundamentals of True Wealth™ Planning training course is to provide participants with a thorough overview of Money Quotient’s unique model of life-centered financial planning. This training introduces the philosophical foundation and academic theories that have shaped the development of our tools and training. In addition, we provide invaluable hands-on experience with the full suite of MQ materials and facilitate important discussions regarding implementation and related practice management issues.

A key objective of this training is to expand the participants’ knowledge of the MQ materials and to provide an understanding of how these tools can support a unique and purposeful client meeting process. Completing this training is a prerequisite to licensing the Money Quotient materials. 
Click here to learn more about our licensing levels and the tools and benefits of each.

Learning Objectives

By attending this course, you will learn and experience the following:

  • Define “life planning” and its inextricable link to the 7-step financial planning process.
  • Outline essential principles that comprise the True Wealth™ Planning process.
  • Learn the practical and emotional factors that either enhance or hinder life satisfaction and financial well-being.
  • Define the roles and skills of a financial life planning approach and determine the boundaries for an ethical practice.
  • Learn how to strengthen communication skills and build trusting, meaningful, long-lasting client relationships.
  • Learn how to multiply the effectiveness of any client discovery process.
  • Experience methods for aligning financial advice with the unique set of values, priorities, and circumstances of each financial planning client.
  • Learn ways to empower clients to take action and increase their commitment to the financial plan’s success.

Schedule

Our virtual Fundamentals of True Wealth™ Planning course will be held over five consecutive business days:

Wednesday, February 23 – Tuesday, March 1
9:00 am – 1:30 pm PT / 12:00 pm – 4:30 pm ET
(There will be no class on Saturday or Sunday)

Daily Agenda:
9:00am – 10:30am PT       Session 1
10:30am – 10:45am PT    Break
10:45am – 12:00pm PT    Session 2
12:00pm – 12:15pm PT    Break
12:15pm – 1:30pm PT       Session 3

We strongly recommend that attendees clear their schedules of other appointments and obligations during the training.

More Information

Download this printable information packet for more detail about the daily schedule, learning objectives, attendee requirements, and what comes after the training.

Registration Fees and Deadlines

Registration closes Friday, February 4

  • First Time Attendee: $2,400
  • Alumni Attendee: $1,200
  • NAPFA Member: $2,160

Cancellation Policy

By registering for this training you agree to the following policies:

  • If you cancel on or before January 15, 2022, you will receive a full refund, minus a $100.00 processing fee.
  • If you cancel between January 16 – February 4, 2022, you will receive a 50% refund, minus a $100.00 processing fee.
  • No refund will be provided for cancellation after February 4, 2022.
  • No refund will be provided to individuals who are registered but do not attend the MQ “Fundamentals” Training Session (i.e., “no shows”).

Any cancellation, at any time, by a registrant who has received a training binder or other training materials is responsible for returning the materials to Money Quotient at their own cost. Money Quotient will refund the cost according to the above schedule once the materials are returned.

MQ Fundamentals of True Wealth™ Planning Virtual Training Course

24 CE accepted by the CFP Board

If you haven’t had a Getting Acquainted meeting with us yet, please click here to schedule one before registering. This is valuable time that will help us learn a bit more about what you’re looking for and allow us to share an overview of what it’s like to join the MQ Community. 

About the Training

The purpose of the MQ Fundamentals of True Wealth™ Planning training course is to provide participants with a thorough overview of Money Quotient’s unique model of life-centered financial planning. This training introduces the philosophical foundation and academic theories that have shaped the development of our tools and training. In addition, we provide invaluable hands-on experience with the full suite of MQ materials and facilitate important discussions regarding implementation and related practice management issues.

A key objective of this training is to expand the participants’ knowledge of the MQ materials and to provide an understanding of how these tools can support a unique and purposeful client meeting process. Completing this training is a prerequisite to licensing the Money Quotient materials. Click here to learn more about our licensing levels and the tools and benefits of each.

Learning Objectives

By attending this course, you will learn and experience the following:

  • Define “life planning” and its inextricable link to the 7-step financial planning process.
  • Outline essential principles that comprise the True Wealth™ Planning process.
  • Learn the practical and emotional factors that either enhance or hinder life satisfaction and financial well-being.
  • Define the roles and skills of a financial life planning approach and determine the boundaries for an ethical practice.
  • Learn how to strengthen communication skills and build trusting, meaningful, long-lasting client relationships.
  • Learn how to multiply the effectiveness of any client discovery process.
  • Experience methods for aligning financial advice with the unique set of values, priorities, and circumstances of each financial planning client.
  • Learn ways to empower clients to take action and increase their commitment to the financial plan’s success.

Schedule

Our virtual Fundamentals of True Wealth™ Planning course will be held over five consecutive business days:

Wednesday, June 8 – Tuesday, June 14
9:00 am – 1:30 pm PT / 12:00 pm – 4:30 pm ET
(There will be no class on Saturday or Sunday)

Daily Agenda:
9:00am – 10:30am PT       Session 1
10:30am – 10:45am PT    Break
10:45am – 12:00pm PT    Session 2
12:00pm – 12:15pm PT    Break
12:15pm – 1:30pm PT       Session 3

We strongly recommend that attendees clear their schedules of other appointments and obligations during the training.

More Information

Download this printable information packet for more detail about the daily schedule, learning objectives, attendee requirements, and what comes after the training.

Registration Fees and Deadlines

  • First Time Attendee: $2,400
  • Alumni Attendee: $1,200
  • NAPFA Member: $2,160

To ensure timely delivery of the training binder, the deadline for U.S. resident registration will be May 20, 2022.

The deadline for international registration will be May 13, 2022.

Cancellation Policy

By registering for this training you agree to the following policies:

  • If you cancel on or before April 11, 2022, you will receive a full refund, minus a $100.00 processing fee.
  • If you cancel between April 12, 2022 – May 20, 2022, you will receive a 50% refund, minus a $100.00 processing fee.
  • No refund will be provided for cancellation after May 20, 2022.
  • No refund will be provided to individuals who are registered but do not attend the MQ “Fundamentals” Training Session (i.e., “no shows”).

Any cancellation, at any time, by a registrant who has received a training binder or other training materials is responsible for returning the materials to Money Quotient at their own cost. Money Quotient will refund the cost according to the above schedule once the materials are returned.

MQ Fundamentals of True Wealth™ Planning Virtual Training Course

24 CE accepted by the CFP Board

If you haven’t had a Getting Acquainted meeting with us yet, please click here to schedule one before registering. This is valuable time that will help us learn a bit more about what you’re looking for and allow us to share an overview of what it’s like to join the MQ Community. 

About the Training

Registration for this Fundamentals Training  course has closed. Please email us to be added to our wait-list! Registration for 2023 Fundamentals courses is still open. 

The purpose of the MQ Fundamentals of True Wealth™ Planning training course is to provide participants with a thorough overview of Money Quotient’s unique model of life-centered financial planning. This training introduces the philosophical foundation and academic theories that have shaped the development of our tools and training. In addition, we provide invaluable hands-on experience with the full suite of MQ materials and facilitate important discussions regarding implementation and related practice management issues.

A key objective of this training is to expand the participants’ knowledge of the MQ materials and to provide an understanding of how these tools can support a unique and purposeful client meeting process. Completing this training is a prerequisite to licensing the Money Quotient materials. Click here to learn more about our licensing levels and the tools and benefits of each.

Learning Objectives

By attending this course, you will learn and experience the following:

  • Define “life planning” and its inextricable link to the 7-step financial planning process.
  • Outline essential principles that comprise the True Wealth™ Planning process.
  • Learn the practical and emotional factors that either enhance or hinder life satisfaction and financial well-being.
  • Define the roles and skills of a financial life planning approach and determine the boundaries for an ethical practice.
  • Learn how to strengthen communication skills and build trusting, meaningful, long-lasting client relationships.
  • Learn how to multiply the effectiveness of any client discovery process.
  • Experience methods for aligning financial advice with the unique set of values, priorities, and circumstances of each financial planning client.
  • Learn ways to empower clients to take action and increase their commitment to the financial plan’s success.

Schedule

Our virtual Fundamentals of True Wealth™ Planning course will be held over five consecutive business days:

Wednesday, September 28 – Tuesday, October 4, 2022
9:00 am – 1:30 pm PT / 12:00 pm – 4:30 pm ET
(There will be no class on Saturday or Sunday)

Daily Agenda:
9:00am – 10:30am PT       Session 1
10:30am – 10:45am PT    Break
10:45am – 12:00pm PT    Session 2
12:00pm – 12:15pm PT    Break
12:15pm – 1:30pm PT       Session 3

We strongly recommend that attendees clear their schedules of other appointments and obligations during the training.

More Information

Download this printable information packet for more detail about the daily schedule, learning objectives, attendee requirements, and what comes after the training.

Registration Fees and Deadlines

  • First Time Attendee: $2,400
  • Alumni Attendee: $1,200
  • NAPFA Member: $2,160
  • Nazrudin Member: $2,160

Registration closes September 9, 2022!

Cancellation Policy

By registering for this training you agree to the following policies:

  • If you cancel on or before July 28, 2022, you will receive a full refund, minus a $100.00 processing fee.
  • If you cancel between July 29, 2022 – September 9, 2022, you will receive a 50% refund, minus a $100.00 processing fee.
  • No refund will be provided for cancellation after September 9, 2022.
  • No refund will be provided to individuals who are registered but do not attend the MQ “Fundamentals” Training Session (i.e., “no shows”).

Any cancellation, at any time, by a registrant who has received a training binder or other training materials is responsible for returning the materials to Money Quotient at their own cost. Money Quotient will refund the cost according to the above schedule once the materials are returned.

MQ Fundamentals of True Wealth™ Planning Virtual Training Course

24 CE accepted by the CFP Board

If you haven’t had a Getting Acquainted meeting with us yet, please click here to schedule one before registering. This is valuable time that will help us learn a bit more about what you’re looking for and allow us to share an overview of what it’s like to join the MQ Community. 

About the Training

The purpose of the MQ Fundamentals of True Wealth™ Planning training course is to provide participants with a thorough overview of Money Quotient’s unique model of life-centered financial planning. This training introduces the philosophical foundation and academic theories that have shaped the development of our tools and training. In addition, we provide invaluable hands-on experience with the full suite of MQ materials and facilitate important discussions regarding implementation and related practice management issues.

A key objective of this training is to expand the participants’ knowledge of the MQ materials and to provide an understanding of how these tools can support a unique and purposeful client meeting process. Completing this training is a prerequisite to licensing the Money Quotient materials. 
Click here to learn more about our licensing levels and the tools and benefits of each.

Learning Objectives

By attending this course, you will learn and experience the following:

  • Define “life planning” and its inextricable link to the 7-step financial planning process.
  • Outline essential principles that comprise the True Wealth™ Planning process.
  • Learn the practical and emotional factors that either enhance or hinder life satisfaction and financial well-being.
  • Define the roles and skills of a financial life planning approach and determine the boundaries for an ethical practice.
  • Learn how to strengthen communication skills and build trusting, meaningful, long-lasting client relationships.
  • Learn how to multiply the effectiveness of any client discovery process.
  • Experience methods for aligning financial advice with the unique set of values, priorities, and circumstances of each financial planning client.
  • Learn ways to empower clients to take action and increase their commitment to the financial plan’s success.

Schedule

Our virtual Fundamentals of True Wealth™ Planning course will be held over five consecutive business days:

Wednesday, February 22 – Tuesday, February 28, 2023
9:00 am – 1:30 pm PT / 12:00 pm – 4:30 pm ET
(There will be no class on Saturday or Sunday)

Daily Agenda:
9:00am – 10:30am PT       Session 1
10:30am – 10:45am PT    Break
10:45am – 12:00pm PT    Session 2
12:00pm – 12:15pm PT    Break
12:15pm – 1:30pm PT       Session 3

We strongly recommend that attendees clear their schedules of other appointments and obligations during the training.

More Information

Download this printable information packet for more detail about the daily schedule, learning objectives, attendee requirements, and what comes after the training.

Registration Fees and Deadlines

Registration closes Friday, February 3

  • First Time Attendee: $2,400
  • Alumni Attendee: $1,560

Cancellation Policy

By registering for this training you agree to the following policies:

  • If you cancel on or before January 20, 2023, you will receive a full refund, minus a $100.00 processing fee.
  • If you cancel between January 21 – February 3, 2023, you will receive a 50% refund, minus a $100.00 processing fee.
  • No refund will be provided for cancellation after February 3, 2023.
  • No refund will be provided to individuals who are registered but do not attend the MQ “Fundamentals” Training Session (i.e., “no shows”).

Any cancellation, at any time, by a registrant who has received a training binder or other training materials is responsible for returning the materials to Money Quotient at their own cost. Money Quotient will refund the cost according to the above schedule once the materials are returned.

MQ Fundamentals of True Wealth™ Planning Virtual Training Course


24 CE accepted by the CFP Board

If you haven’t had a Getting Acquainted meeting with us yet, please click here to schedule one before registering. This is valuable time that will help us learn a bit more about what you’re looking for and allow us to share an overview of what it’s like to join the MQ Community. 

About the Training

The purpose of the MQ Fundamentals of True Wealth™ Planning training course is to provide participants with a thorough overview of Money Quotient’s unique model of life-centered financial planning. This training introduces the philosophical foundation and academic theories that have shaped the development of our tools and training. In addition, we provide invaluable hands-on experience with the full suite of MQ materials and facilitate important discussions regarding implementation and related practice management issues.

A key objective of this training is to expand the participants’ knowledge of the MQ materials and to provide an understanding of how these tools can support a unique and purposeful client meeting process. Completing this training is a prerequisite to licensing the Money Quotient materials. 
Click here to learn more about our licensing levels and the tools and benefits of each.

Learning Objectives

By attending this course, you will learn and experience the following:

  • Define “life planning” and its inextricable link to the 7-step financial planning process.
  • Outline essential principles that comprise the True Wealth™ Planning process.
  • Learn the practical and emotional factors that either enhance or hinder life satisfaction and financial well-being.
  • Define the roles and skills of a financial life planning approach and determine the boundaries for an ethical practice.
  • Learn how to strengthen communication skills and build trusting, meaningful, long-lasting client relationships.
  • Learn how to multiply the effectiveness of any client discovery process.
  • Experience methods for aligning financial advice with the unique set of values, priorities, and circumstances of each financial planning client.
  • Learn ways to empower clients to take action and increase their commitment to the financial plan’s success.

Schedule

Our virtual Fundamentals of True Wealth™ Planning course will be held over five consecutive business days:

Wednesday, June 7 – Tuesday, June 13
9:00 am – 1:30 pm PT / 12:00 pm – 4:30 pm ET
(There will be no class on Saturday or Sunday)

Daily Agenda:
9:00am – 10:30am PT       Session 1
10:30am – 10:45am PT    Break
10:45am – 12:00pm PT    Session 2
12:00pm – 12:15pm PT    Break
12:15pm – 1:30pm PT       Session 3

We strongly recommend that attendees clear their schedules of other appointments and obligations during the training.

More Information

Download this printable information packet for more detail about the daily schedule, learning objectives, attendee requirements, and what comes after the training.

Registration Fees and Deadlines

Registration closes Friday, May 19

Early Bird Registration (through April 26, 2023)

  • First Time Attendee: $2,200
  • Alumni Attendee: $1,430

April 27 – May 19, 2023

  • First Time Attendee: $2,400
  • Alumni Attendee: $1,560

Cancellation Policy

By registering for this training you agree to the following policies:

  • If you cancel on or before April 27, 2022, you will receive a full refund, minus a $100.00 processing fee.
  • If you cancel between April 28 – May 19, 2023, you will receive a 50% refund, minus a $100.00 processing fee.
  • No refund will be provided for cancellation after May 19, 2023.
  • No refund will be provided to individuals who are registered but do not attend the MQ “Fundamentals” Training Session (i.e., “no shows”).

Any cancellation, at any time, by a registrant who has received a training binder or other training materials is responsible for returning the materials to Money Quotient at their own cost. Money Quotient will refund the cost according to the above schedule once the materials are returned.