Practice writing CFP case answers under exam conditions. Get rubric-based feedback on every submission. Know exactly what to study next.
17 free casesUnlimited AI TutorAligned with FP Canada competencies
No credit card required
How It Works
Write constructed-response answers under exam conditions
Rubric-based grading with error classification
Session-based recommendations on what to study next
Three tools built for CFP exam preparation, working as a single learning cycle.
Explore any CFP topic through Socratic conversation. The AI Tutor checks your reasoning, surfaces blind spots, and builds genuine understanding — without giving answers or scoring your work. Unlimited sessions on every plan.
Write full constructed-response answers to CFP-style cases under exam conditions. Get rubric-based feedback: what you did well, where you fell short, and what a strong response looks like. 17 cases free, 114 total.
After each session, get a clear recommendation: review a concept with the tutor or practice another case. Based on your actual session results — not a formula or prediction.
A three-step cycle: understand CFP concepts, apply them under exam conditions, then decide what to study next.
Start with the AI Tutor. Pick any CFP topic — retirement, tax, estate, insurance, or investments — and explore it through guided questioning. The tutor checks your reasoning and surfaces gaps. No scoring, no model answers.
Write full constructed-response answers under exam-like conditions. Each submission receives rubric-based feedback aligned with CFP exam standards, including error classification and high-score comparison.
Review your session results and get a recommendation: revisit a concept or practice another case. Session-based guidance grounded in your actual performance.
See your recent activity and get session-based study recommendations.
Progress tracking is limited in the current version. Long-term mastery tracking and competency analytics are planned for a future release.
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 unlimited AI Tutor and 17 introductory cases. Upgrade to all 114 when you are ready.
Start your CFP exam preparation at no cost.
Full access to all 114 CFP-style cases at exam-level difficulty.
Common questions about LazyRatio and CFP exam preparation.
LazyRatio is a structured practice tool for Canadian CFP exam candidates. It focuses on the case-based constructed response portion of the exam. You can explore CFP concepts with an AI Tutor, write full case answers under exam conditions, receive rubric-based feedback, and get session-based study recommendations.
LazyRatio is designed for Canadian CFP (Certified Financial Planner) exam candidates preparing for the case-based constructed response portion of the FP Canada exam. It covers all six competency areas: financial planning, retirement, tax, estate, insurance, and investment planning. Suitable for both first-time candidates and those retaking the exam.
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. Cases follow the constructed-response format used in the CFP examination administered by FP Canada. All 114 cases are mapped to FP Canada's six competency areas: financial planning, retirement planning, tax planning, estate planning, insurance planning, and investment planning. Feedback uses rubrics aligned with the CFP exam grading standards.
No. The AI Tutor uses a Socratic approach — it asks questions, checks your reasoning, and helps you discover gaps in understanding. It does not provide model answers or grade your work.
Your answers are evaluated against rubrics aligned with CFP exam standards. Each submission receives a structured breakdown across multiple scoring dimensions: what you did well, where you fell short, specific error classifications, and a comparison with what a high-scoring response looks like. All 114 cases use the same rubric framework mapped to FP Canada competency areas.
No. LazyRatio is a practice and feedback tool, not a textbook replacement. The AI Tutor helps you think through concepts, and Case Practice lets you apply what you have learned — but you should still study the source material.
No. LazyRatio 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.
The current version provides session summaries and session-based study recommendations. Long-term mastery tracking and competency analytics are planned for a future version.
The Free plan includes unlimited AI Tutor sessions and 17 introductory cases with full rubric-based feedback. The Paid plan ($29.99/month) unlocks all 114 cases across introductory, core, and advanced levels, plus advanced study analytics. Cancel anytime.
Build understanding with AI-guided conversation, practice under exam conditions, and get rubric-based feedback on every submission. Free to start — no credit card required.