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Subject overview


100% online




1 Jul 2024


12 weeks



This subject focuses on creating and evaluating debt strategies to meet client objectives. Individuals examine various debt products used by clients in different life stages, and the key factors affecting the acquisition and management of debt as part of investment strategies. Individuals reflect on the suitability of debt strategies for different types of clients, and the related regulatory, taxation, superannuation and estate planning considerations. The subject is designed to equip students with skills in assessing the need and suitability of clients to take on debt as part of a financial planning strategy, and to assist them to manage the risks of debt.

Individuals are able to attend one-hour drop-in sessions with the tutor throughout the study period, where they can ask questions to gain further clarification on key concepts and the assessments.

Individuals are encouraged to attend the drop-in sessions throughout the study period.

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Subject information

Learning Outcomes

On the successful completion of this subject, individuals should be able to:

  • Determine the Australian legislative and regulatory frameworks governing debt products.
  • Critically analyse the requirements and risks for advising on financial planning strategies involving various debt products.
  • Evaluate the role and suitability of debt products to meet the objectives of clients in different life stages.
  • Formulate and justify financial planning advice to clients incorporating debt strategies, products and appropriate risk management.

Topics covered

  1. The nature and types of debt
  2. Regulation of debt advice
  3. Building wealth with debt
  4. Property debt
  5. Consumer lending products and cash flow management
  6. Margin lending
  7. Estate planning and debt
  8. Risk management and tax considerations
  9. Entity borrowing arrangements

Continuing professional development (CPD)

Kaplan Professional has assessed this subject. Click here for the following CPD hours applicable from 1 January 2019 on successful completion of this course. For subjects or courses completed prior to this date, please contact Kaplan Professional’s CPD Support team on 1300 527 526 or

Reading list

Taylor, S 2021, Financial planning in Australia – advice and wealth management, 10th edn, LexisNexis Butterworths, Chatswood, NSW. Available via ProQuest Ebook Central at Kaplan Library.

Reading list


Assessment TypeAssessedWeighting
Analysis taskWeek 425%
ExaminationWeek 635%
AssignmentWeek 1240%

Previous study requirements

Assumed knowledge

Kaplan Professional assumes that individuals have completed FPC009 Complex Financial Planning, or understand the content covered in this subject, prior to undertaking FPE011 Debt Strategies.

Course transition subject equivalence

There is no equivalences for this subject.

Key dates

Study Period 1

11 Dec 2023 - 29 Mar 2024

❌ Enrolments now closed

Early access opens 11 December 2023

Early access to assessments 21 December 2023

Study period commences 8 January 2024

Enrolments close/census 24 January 2024

Study period ends 29 March 2024

Assessment dates See assessment information

Study Period 2

5 Feb 2024 - 24 May 2024

❌ Enrolments now closed

Early access opens 5 February 2024

Early access to assessments 19 February 2024

Study period commences 4 March 2024

Enrolments close/census 20 March 2024

Study period ends 24 May 2024

Assessment dates See assessment information

Study Period 3

1 Apr 2024 - 19 Jul 2024

❌ Enrolments now closed

Early access opens 1 April 2024

Early access to assessments 15 April 2024

Study period commences 29 April 2024

Enrolments close/census 15 May 2024

Study period ends 19 July 2024

Assessment dates See assessment information

Study Period 4

3 Jun 2024 - 20 Sep 2024

✓ Enrolments open now

Early access opens 3 June 2024

Early access to assessments 17 June 2024

Study period commences 1 July 2024

Enrolments close/census 17 July 2024

Study period ends 20 September 2024

Assessment dates See assessment information

Study Period 5

29 Jul 2024 - 15 Nov 2024

✓ Enrolments open now

Early access opens 29 July 2024

Early access to assessments 12 August 2024

Study period commences 26 August 2024

Enrolments close/census 11 September 2024

Study period ends 15 November 2024

Assessment dates See assessment information

Study Period 6

30 Sep 2024 - 17 Jan 2025

✓ Enrolments open now

Early access opens 30 September 2024

Early access to assessments 14 October 2024

Study period commences 28 October 2024

Enrolments close/census 13 November 2024

Study period ends 17 January 2025

Assessment dates See assessment information

Subject enhancements

We’re pleased to announce that the following enhancements have been made to this subject:

  • Replacement of the exam with alternative assessment types, including assignments.
  • Changed from two to three assessments to provide students with more opportunities for feedback and to build their learning gradually.
  • Inclusion of educational requirements for financial advisers in advising on margin lending and debt products, regulatory guidance on double gearing, and current processes for debt refinancing and SMSF membership

Programs you might be interested in


Master of Financial Planning

Our online, FAS-approved Master of Financial Planning is a purpose-built higher education qualification set at AQF level 9. It’s designed and developed in consultation with industry experts, and combines advanced technical rigour with practical and relevant performance-focused learning outcomes.

Master of Applied Finance

Leading online degree designed for ambitious and savvy individuals who are looking for advanced academic rigour, but thrive on practical and real-world learning immediately applicable in the workplace, and directly relevant to future career roles. It caters to experienced finance professionals and those transitioning into the field, integrating learning outcomes with pathways for further accreditation such as a CFA®.

Graduate Diploma of Financial Planning

An eight-subject postgraduate qualification set at AQF Level 8 and FAS approved. Includes the first eight subjects of the FAS-approved Master of Financial Planning.

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