About GMAT40
We teach the money lessons most people had to learn the hard way.
GMAT40 is an Ottawa organization working in training, human capital development, research, innovation and publishing. Our core mission is to help bridge the financial-literacy gap in Canada.
Why we exist
The gap is real, and it is fixable.
People arrive in Canada with degrees, trades and years of work experience, then find that nobody explains how credit scores, tax slips or registered accounts work here. Students graduate without a budget. Professionals leave employer matching on the table. Pre-retirees guess at when to start their pensions.
None of this is about intelligence. It is about information that was never shared in plain words. That is the work we do.
Who we work with
Built for people who were never taught this.
Most of the people in our sessions do not have a finance background. That is the point. We start from where you are.
Newcomers to Canada
Open the right accounts, build a Canadian credit history and see how TFSAs, RRSPs and RESPs fit your family.
Working professionals
Read your pay stub, use your workplace benefits and decide what to do with a raise or a bonus.
Students
Budget on a student income, handle loans and start saving before your first full-time job.
Young learners
Lessons on needs, wants, earning and saving, sized for classrooms, camps and youth groups.
Pre-retirees
Plan the move from paycheque to pension, including CPP and OAS timing and drawing down savings.
What we do
Five areas of work.
Training
Workshops and courses on banking, credit, tax, saving, investing and retirement for individuals and groups.
Human capital development
Programs that help staff, students and community members grow their financial confidence and personal skills.
Research
Studies on where financial knowledge is missing and which teaching methods change behaviour.
Innovation
New tools, worksheets and short-form video that make complex ideas easy to follow.
Publishing
Guides, workbooks and research briefs written for readers with no finance background.
How we teach
Three rules we keep.
Plain words first
If a term needs a definition, we give it. If it does not, we leave it out.
Canadian examples
We use real Canadian documents and accounts, so what you learn applies the next day.
Action at the end
Knowledge only counts once it is used. Every session closes with a written next step.
What we stand for
Great Minds! Great People!
Our tagline is a belief about the people we serve. They are capable. They need clear information and someone to walk through it with them.