Helping financial empowerment champions deliver critical services to low-income Canadians

Service design consultancy Bridgeable provides an overview of the project partnership with Prosper Canada in April 2020 to take a design sprint approach in providing remote tax-filing and benefits application service solution.

Over the course of four consecutive days, Bridgeable worked with eighteen financial empowerment champion (FEC) partners to generate solutions to four key aspects for remote service delivery:

  1. Communicating with clients
  2. Verifying client ID
  3. Obtaining consent or signatures
  4. Obtaining or accessing client information



Policy and research symposium: Income volatility

The research and policy symposium on income volatility was held on March 9, 2018, in Toronto, Ontario. Speakers from Canada and the United States present on key research findings on the nature of income and expense volatility in the early 21st Century. Speakers also suggest policy solutions to address the challenges of increasingly volatile household income. 



Household Financial Stability and Income Volatility, Ray Boshara, Federal Reserve Bank of St. Louis
Income volatility: What banking data can tell us, if we ask, Fiona Greig, JP Morgan Chase Institute
Up Close and Personal: Findings from the U.S. Financial Diaries, Rob Levy, CFSI

Canada’s household balance sheets, Andrew Heisz, Statistics Canada

Research symposium: Overcoming barriers to tax filing for people with low incomes

The research symposium "Overcoming barriers to tax filing for people with low incomes" was held in Ottawa on Thursday, February 7, 2019, hosted by Prosper Canada and Intuit.

The symposium presents research results and insights from practitioners in the field on barriers to tax filing experienced by people with low incomes, challenges and opportunities in tax filing and benefits assistance programs, strategies to boost tax filing, and innovations in tax filing assistance.



The Community Volunteer Income Tax Program, Nancy McKenna, CVITP, Canada Revenue Agency
Supporting organizations in the CVITP, Aaron Kozak, Employment and Social Development Canada, and Melissa Valencia, Canada Revenue Agency
A Realist analysis of nonprofit tax filing services, Kevin Schachter, University of Manitoba and SEED Winnipeg

The Community Volunteer Income Income Tax Program, Nancy McKenna, Canada Revenue Agency
GetYourBenefits! Diagnose and Treat Poverty, Dr. Noralou Roos, Manitoba Centre for Health Policy
Get your piece of the money pie, Althea Arsenault, New Brunswick Economic and Social Inclusion Corporation

Scaling tax filing assistance, John Silver, Community Financial Counselling Service (CFCS)
Virtual Tax Filing Pilot, Radya Cherkaoui, Intuit Canada, and Steve Vanderherberg, Woodgreen Community Services
Innovative use of technology for VITA, German Tejeda,

Innovative use of technology for VITA

In this presentation, German Tejeda, National Director of Financial Programs, Single Stop USA, shares results from the Virtual VITA Program in the United States since 2012. 

This presentation is from the session 'Innovations in tax filing assistance', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



Virtual Tax Filing Pilot

In this presentation, Radya Chaerkaoui, Senior Product Manager and Innovation Catalyst, Intuit Canada, and Steve Vanderherberg, Director-Strategic Initiatives, WoodGreen Community Services, share insights from their Virtual Tax Filing Pilot program. 

This presentation is from the session 'Innovations in tax filing assistance', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



Scaling tax filing assistance

In this presentation, John Silver, Executive Director, Community Financial Counselling Service (CFCS), Winnipeg, shares insights from the low income tax program at CFCS. This program files almost 10,000 returns each year, and also provides tax clinic support to other agencies and delivers detailed training for tax clinic volunteers. 

This presentation is from the session 'Innovations in tax filing assistance', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.



Get Your Piece of the Money Pie

In this presentation, Althea Arsenault, Manager of Resource Development, NB Economic and Social Inclusion Corporation, shares insights from the 'Get Your Piece of the Money Pie' tax clinic program. This program has operated since 2010, and currently files over 23,000 returns each year.

This presentation is from the panel discussion 'National and regional strategies to boost tax filing', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



Get Your Benefits! Diagnose and Treat Poverty

In this presentation, Noralou P. Roos, Co-Director, GetYourBenefits! and Professor, Manitoba Centre for Health Policy, explains how access to tax filing and benefits is an important poverty intervention.

This presentation is from the panel discussion 'National and regional strategies to boost tax filing', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



Providing tax filing and benefits assistance to Indigenous communities

In this presentation, Simon Brascoupé, Vice President, Education and Training, AFOA Canada, explains the financial wellness framework and how tax filing presents opportunities for building financial wellness in Indigenous communities.

This presentation is from the session 'Closing the tax-filing gap: Challenges and opportunities', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



A Realist Analysis of Nonprofit Tax Filing Services

In this presentation, Kevin Schachter, Graduate Student at University of Manitoba and Information Manager at SEED Winnipeg, presents a realist analysis of nonprofit tax filing services. 

This presentation is from the session 'Closing the tax-filing gap: Challenges and opportunities', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



Supporting Organizations in the CVITP

In this presentation, Aaron Kozak, ESDC and Melissa Valencia, CRA, present findings from their research on the Community Volunteer Income Tax Program (CVITP). This includes recommendations for structural changes to the program, review of CVITP training, changes to registration, and more. 

This presentation is from the session 'Closing the tax-filing gap: Challenges and opportunities', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



The Community Volunteer Income Tax Program (CVITP)

In this presentation, Nancy McKenna, Manager, CVITP, Canada Revenue Agency, explains how the Community Volunteer Income Tax Program (CVITP) works. This includes eligibility requirements, the size of the program in 2017/2018, and partnerships. 

This presentation is from the session 'Closing the tax-filing gap: Challenges and opportunities', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



Stories from the field: Contextualizing the barriers Indigenous People face

In this presentation, Erin Jeffery, Outreach Officer with Canada Revenue Agency (CRA) shares what the CRA Outreach team has learned about tax filing barriers facing Indigeous People in Canada. These barriers include lack of documentation, lack of trust, access to services, and challenges around accessing Canada Child Benefit.  

This presentation is from the session 'Barriers to tax filing experienced by people with low incomes', at the research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



Tax time insights: Experiences of people living on low income in Canada

In this presentation, Nirupa Varatharasan, Research & Evaluation Officer with Prosper Canada, explains the research methods and insights gathered in the report 'Tax time insights: Experiences of people living on low income in Canada.'

This includes demographic information, the type of tax filing resources accessed by this population, and insights on the types of challenges and opportunities that result from their tax filing processes.

This presentation is from the session 'Barriers to tax filing experienced by people with low incomes', at the research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



Income tax filing and benefits take-up: Challenges and opportunities for Canadians living on low incomes

In this presentation, Uttam Bajwa, Global Health and Research Associate with the Dalla Lana School of Public Health, University of Toronto, reports on tax filing challenges and opportunities for Canadians living on low incomes. This includes the challenges of not knowing what to do, fear and mistrust, and challenges accessing supports.

This presentation is based on the research conducted for the Prosper Canada report 'Tax time insights: Experiences of people living on low incomes in Canada'.

This presentation is from the session 'Barriers to tax filing experienced by people with low incomes', at the research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



National Investor Research Study

This presentation shows the results of a quantitative study undertaken by the Ontario Securities Commission to assess attitudes, behaviour and knowledge among Canadians pertaining to a variety of investment topics. These topics include retirement planning and conversations about finances. 



Complaints Related to Service from the CRA: Lessons Learned and Working Towards Better Service

Operating at arm’s length from the Canada Revenue Agency, the Office of the Taxpayers' Ombudsman (OTO) works to enhance the Canada Revenue Agency's (CRA) accountability in its service to, and treatment of, taxpayers through independent and impartial reviews of service-related complaints and systemic issues. OTO receives complaints and concerns from members of First Nations, Inuit and Métis communities.

In this conference presentation, the Taxpayers’ Ombudsman provides examples of the types of issues her Office receives in order to provide community leaders with her insights in helping Indigenous people get better service from the CRA. 

In support of the AFOA Canada 2018 National Conference theme of Human Capital – Balancing Indigenous Culture and Creativity with Modern Workplaces, this presentation will provide participants with information on the types of issues and trends her office sees from members of the Indigenous communities and on better ways of serving these populations.



Your Money Seniors


Your Money Seniors is a financial literacy program for seniors. Modelled on the CBA’s highly successful Your Money Students program, this seminar program is offered in French and English, free of charge, to seniors’ groups across the country.

Your Money Seniors is presented by bankers in the community volunteering their time and expertise and covers how seniors can:




Your Money Students


Your Money Students was created to bring financial literacy to life in homes and classrooms across Canada. This free, one-hour, non-commercial seminar is geared for high school students, and is presented by local bankers volunteering their time and expertise.

The Your Money Students seminar covers topics like budgeting and balancing needs verses wants; saving money for long and short term goals; investing and compound interest; the do’s and don’ts about using credit; financing a big purchase like a car; recognizing fraud; and shopping around for financial services.

This link will provide you with more information on how to book a workshop for your organization. It also  has links to some of the subject matter covered in the workshops. 




An Evaluation of the Impacts and Implementation Approaches of Financial Coaching Programs


A presentation outlining The Financial Clinic and why it was created, model outcomes and results.


Implementing Financial Coaching


A presentation on how financial coaching is different, client interaction and program evaluation and coaching as presented by Richard Simonds of Family Services of Greater Houston. 




Pre-Budget Tour: The State of the Middle Class

Financial Literacy in a Box (FLIB)

All about the Ontario Disability Support Program (ODSP) Community Presentation

Indigenous Financial Empowerment through Enhancing Capability and Inclusion

Power Point for Frameworks Blog Post

Planning to retire on a low income: What you need to know

Thrivers and Strugglers: The Balance Sheets and Financial Health of U.S. Families

Moving to Financial Capability Through Financial Coaching

Community Action to End Poverty

Poverty and disability: Looking inside a tie that really binds

Registered Education Savings Plans & The Canada Learning Bond

Retiring on a Low Income – Learnings from the Toronto Library and The Ontario Non-Profit Housing Association Presentations

Toronto Employment & Social Services Programs & Services

Health Check: Low-income Household Finances in Canada

RDSP The Registered Disability Savings Plan: Saving for the Future

New York Financial Environment

EPIC Income Volatility Survey Findings

Adeline’s dilemma: A GIS case study

Finding A Yardstick – Field Testing Outcome Measures for Community-based Financial Coaching and Capability Programs

Aligning for Impact: Innovation in Short-term Lending Products

Financial Coaching Leads to Long-Term Financial Stability

Building Your Own Platform for Prosperity: A Program Design Toolkit

Fraud Prevention Kit


This is a presentation from the Bank of Canada on fraud prevention. Students in grades 9 to 12 will learn how to prevent losses due to bank note counterfeiting and identity crime. The kit includes a teacher’s manual, worksheets, Fighting Fraud on the Front Lines DVD, and much more.