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ChFC®

Chartered Financial Consultant®

9 Courses: 7 Required / 2 Elective

Listed below are the courses you need
to complete to earn your ChFC® designation.

If you have any questions regarding the courses or the recommended sequence of courses, one of our Professional Education Counselors will be happy to assist you.
Please call 888-292-8775 between M–F 8 a.m. – 6 p.m. ET.
(Click on a course title to expand for the description.)

ChFC® Curriculum

Course Name
Course #
Required

 
Financial Planning: Process and Environment
HS 300
 

Provides an overview of the financial planning process, including communication techniques, ethics, risk tolerance, time-value-of-money concepts, financial planning applications, regulatory issues and the legal and economic environment for financial planning. Offers an understanding of the role and responsibilities of a financial planner, along with some analytical skills to aid in financial decision making.

 
Fundamentals of Insurance Planning
HS 311
 

Focuses on the role of planning for insurance needs. Covers basic concepts in risk management and insurance, insurance industry operations, legal principles pertaining to this industry, and regulation of insurers. Examines social insurance, life insurance and annuities, medical and disability income insurance, long-term care insurance and personal property and liability insurance. Concludes with an overview of commercial property and liability insurance and a case study.

 
Income Taxation
HS 321
 

Examines the federal income tax system with particular reference to the taxation of individuals. Covers such concepts as gross income, exclusions from gross income, deductions, tax credits, capital gains and losses, taxation of life insurance and annuities and income taxation of partners, partnerships, corporations and shareholders.

 
Planning for Retirement Needs
HS 326
 

Focuses on selecting the right retirement plan for the business and on individual retirement planning. Covers qualified plans, SEPs, SIMPLEs and 403(b) plans and nonqualified deferred compensation plans. Emphasizes the practical knowledge needed for choosing the best retirement plan, especially for the small business, and designing a plan that will meet a client’s needs. Also covers individual retirement planning including IRAs and Roth IRAs, Social Security benefits, saving for retirement and planning for retirement plan distributions.

 
Investments
HS 328
 

Covers various aspects of the principles of investments and their application to financial planning. Discusses risk analysis and risk and return computations. Looks at stocks, bonds, investment companies, options and futures contracts. Includes an extended discussion of tax issues in investing and issues in the practice of portfolio management, including strategic and tactical asset allocation. Provides many examples of ethical and practical issues in managing a client’s portfolio.

 
Fundamentals of Estate Planning
HS 330
 

Covers various aspects of estate and gift tax planning, including the nature, valuation, transfer, administration and taxation of property. Provides a basic understanding of the estate and gift tax system, including strategies of estate planning. Discusses gratuitous transfers of property outright or with trusts, wills and powers of appointment; use of the marital deduction; valuation of assets; and buy-sell agreements. Covers the client interview, fact finding, ethical standards and development of personal estate plans.

 
Financial Planning Applications
HS 332
 

Uses case analysis to integrate planning techniques, tools and products covered in prior courses. Provides practical experience in analyzing and solving realistic financial problems of individuals and businesses. Includes cases that range from simple fact patterns and basic documents to complex situations involving not only personal financial problems, but also financial problems associated with businesses, business ownership and estate planning.

 
Estate Planning Applications
HS 334
 

Covers estate and gift tax principles with an emphasis on life insurance planning applications. Discusses forecasting the gross estate, life insurance trusts, valuation principles, the use of charitable contributions as an estate planning technique, planning opportunities stemming from the marital relationship, the taxation of trusts, implications of employee benefits and estate freezes. Includes a case study reflecting procedural aspects of estate planning.

 
Executive Compensation
HS 342
 

Analyzes the many types of programs used to provide benefits for executives of business firms. Discusses plan design and installation and reviews ERISA, tax and other compliance issues that apply to each type of program. The course includes cash-compensation planning, nonqualified deferred-compensation plans, funded deferred compensation and restricted property plans, stock options, split-dollar life insurance plans, disability income benefits, executive fringe benefits, health reimbursement arrangements and limits on golden parachute payments.

 
Financial Decisions for Retirement
HS 352
 

Focuses on financial decisions clients face as they approach, reach and pass retirement age and on the tools and techniques financial advisors may employ to assist their clients with these decisions. The course covers source of income, retirement calculations, investment considerations both during the accumulation and distribution phases, annuities, housing decisions and estate planning concerns. Especially valuable for practitioners helping clients move retirement assets from employer sponsored to individual retirement plans. Provides perspectives on dealing with aging and retired clients and their families.



Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP(with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

The mark ChFC® is the property of The American College and may be used by individuals who have successfully completed the initial and ongoing certification requirements for this designation.