Financial Education for Securities, Banking, & Insurance Professionals.


ChFC® Chartered Financial Consultant®
9 Required Courses

Advanced Planning for Every Person, Every Need.

Reach Your Career Goals with this Program

The Chartered Financial Consultant® (ChFC®) program prepares you to meet the advanced financial planning needs of individuals, professionals and small business owners. You'll gain a sustainable advantage in this competitive field with in-depth coverage of the key financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning.


Program Learning Objectives

Upon completion of this program, the student should be able to:

  1. Function as an ethical, competent and articulate practitioner in the field of financial planning
  2. Demonstrate mastery of the core financial planning knowledge required of a Certified Financial Planner® by passing the CFP® certification exam
  3. Utilize the intellectual tools and framework needed to maintain relevant and current financial planning knowledge and strategies throughout one’s career in financial services
  4. Apply financial planning theory and techniques through the development of case studies and solutions
  5. Apply in-depth knowledge in a holistic manner from a variety of disciplines; namely, estate planning, retirement planning or nonqualified deferred compensation.

Learning Options
Class Schedule
Curriculum
Policies
More
  • Live Webinar Classes: Enhanced Online Learning

    For select courses, a webinar study option is available for those who want a more familiar classroom feel during their student experience. Attend scheduled classes online, and ask questions in real-time. And now, many of these webinar classes come complete with iPad® and iPhone®-ready material!

    View Webinar Schedule »

    Intensive Live Review: Onsite Classroom Environment

    Accelerate your ChFC® with Live 2½ day courses in a live classroom environment. Highly qualified American College faculty members provide you with 16 hours of intensive review of all the major course concepts. You will also have the ability to ask questions and interact with fellow students. On the last day of the session you will take a pencil and paper final exam, so there's no need to make a separate appointment at a testing center. These classes are a great way to move through your coursework quickly and conveniently.

    View Intensive Live Review Classes »

    Self-Paced Program: Earn the ChFC® On Your Time

    You can study at your own pace, wherever and whenever it is most convenient for you. Complete your program as fast as you like; the self-paced program gives you the opportunity to truly tailor your education to your lifestyle. Our online study aids provide you with the guidance and practice you need to feel confident on test day. With every registration, students are granted access to:

    • Downloadable e-books for your iPad® or iPhone®
    • Online discussion with course professor
    • Supplemental readings
    • Streaming video lectures
    • Audio reviews

    Earn Your CFP® Certification Too

    After successfully completing six required courses* in the ChFC® curriculum, you may qualify to sit for the CFP® Certification Examination after completing HS 333 Personal Financial Planning.

    *HS 300, HS 311, HS 321, HS 326, HS 328, HS 330.


  • Live Online Courses

     
    HS 326 - January 6–January 29
    HS 326 - Planning for Retirement Needs
    Date: 01/06/15–01/29/15
    Professor(s): Jamie Hopkins

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 300 - February 3–February 26
    HS 300 - Financial Planning: Process/Environment
    Date: 02/03/15–02/26/15
    Professor(s): Craig Lemoine

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 328 - February 17–March 12
    HS 328 - Investments
    Date: 02/17/15–03/12/15
    Professor(s): Walter Woerheide

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 326 - March 17–April 9
    HS 326 - Planning for Retirement Needs
    Date: 03/17/15–04/09/15
    Professor(s): Jamie Hopkins

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

     
    HS 311 - March 31–April 23
    HS 311 - Fund of Insurance Planning
    Date: 03/31/15–04/23/15
    Professor(s): Kevin Lynch

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

     
    HS 333 - April 1–April 22
    HS 333 - Persnl Fin Planning: Case Analysis
    Date: 04/01/15–04/22/15
    Professor(s): Craig Lemoine

    This class meets every Wednesday from 6:00pm to 8:30pm ET

     
    HS 311 - April 28–May 21
    HS 311 - Fund of Insurance Planning
    Date: 04/28/15–05/21/15
    Professor(s): Kevin Lynch

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

     
    HS 321 - May 12–June 4
    HS 321 - Income Taxation
    Date: 05/12/15–06/04/15
    Professor(s): Christopher Woehrle

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

    No online classes available at this time
     
    HS 326 - January 6–January 29
    HS 326 - Planning for Retirement Needs
    Date: 01/06/15–01/29/15
    Professor(s): Jamie Hopkins

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 326 - January 6–January 29
    HS 326 - Planning for Retirement Needs
    Date: 01/06/15–01/29/15
    Professor(s): Jamie Hopkins

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 300 - February 3–February 26
    HS 300 - Financial Planning: Process/Environment
    Date: 02/03/15–02/26/15
    Professor(s): Craig Lemoine

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 328 - February 17–March 12
    HS 328 - Investments
    Date: 02/17/15–03/12/15
    Professor(s): Walter Woerheide

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 326 - January 6–January 29
    HS 326 - Planning for Retirement Needs
    Date: 01/06/15–01/29/15
    Professor(s): Jamie Hopkins

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 300 - February 3–February 26
    HS 300 - Financial Planning: Process/Environment
    Date: 02/03/15–02/26/15
    Professor(s): Craig Lemoine

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 328 - February 17–March 12
    HS 328 - Investments
    Date: 02/17/15–03/12/15
    Professor(s): Walter Woerheide

    This class meets every Tuesday and Thursday from 6:00pm to 8:00pm ET

     
    HS 326 - March 17–April 9
    HS 326 - Planning for Retirement Needs
    Date: 03/17/15–04/09/15
    Professor(s): Jamie Hopkins

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

     
    HS 311 - March 31–April 23
    HS 311 - Fund of Insurance Planning
    Date: 03/31/15–04/23/15
    Professor(s): Kevin Lynch

    This class meets every Tuesday and Thursday from 6:00pm to 8:30pm ET

  • 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.

     
    Personal Financial Planning: Comp. Case Analysis
    HS 333
     

    This course applies students’ knowledge and skill set in personal financial planning techniques to a comprehensive case study. Students will integrate core financial planning disciplines of retirement, investment, risk management, income tax, employee benefits and general principles into a prioritized comprehensive financial plan.

     
    Applications in Financial Planning I
    HS 314
     

    Examines the unique challenges associated with business planning; divorce; blended families; special needs; and non-traditional families including issues that affect the Lesbian, Gay, Bisexual, and Transgender (LGBT) community. Up-to-date content and compelling case studies provide students with a complex yet comprehensive understanding of financial planning in these important areas.

     
    Applications in Financial Planning II
    HS 319
     

    Examines the unique challenges associated with retirement income portfolios; behavioral finance; ethics; and estate planning. Up-to-date content and compelling case studies provide students with a complex yet comprehensive understanding of financial planning in these important areas.

    *Students who have already taken HS318 may not take HS300 or HS311 for credit toward the ChFC® designation, and must take three electives. If you have passed the CFP® certification exam you may be eligible to apply for transfer of credit if needed. Students who have taken HS 318, HS 321, HS 326, HS 328, and HS 330 with The American College as well as having passed the CFP® certification examination and does not currently hold a CLU® designation, may take two electives and apply for one transfer of credit by paying the transfer of credit fee.

    Returning ChFC® Students

    The above requirements are effective 7/1/2014. Students who have matriculated into the program prior to that date will be grandfathered into their original curriculum, which may include different courses & options. For questions on individualized completion requirements and recommended course sequence, contact a Professional Education Counselor at (888) 263-7265.

  • Program Completion Requirements

    To receive the ChFC® designation, you must successfully complete all courses in your selected program, meet experience requirements, ethics standards, and agree to comply with The American College Code of Ethics and Procedures.

    Full Completion Requirements »

    Code of Ethics

    To underscore the importance of ethics standards for Huebner School designations, the Board of Trustees adopted a Code of Ethics in 1984. Embodied in the Code are the Professional Pledge and eight Canons.

    Learn more »

    Continuing Education

    Many of the programs at The American College qualify for Continuing Education. Understand that this information changes frequently, and while we will do our best to provide current data, it is your responsibility to verify CE credits with your state.

    Learn more »

    PACE Recertification

    A recertification fee is applied to first-time PACE-required designees after February 1, 2007. A fee of $250, recurring every two years, covers multiple designations and is not retroactive for prior PACE-required designees.

    *Approximately 90% of PACE recertification fees will be used for public awareness of the designations.

    Learn more »

    The 5-Year Rule

    The American College pledges to offer the most up-to-date material and course offerings. In doing so, all courses are subject to the Five-Year Rule, in the interest of the most valid study material and timely designation completion.

    Learn more »

    Policy FAQs

    Answers for common questions concerning core designations (exam retake and reschedule policies, tuition and fees, etc.) can be found on the Core Designations FAQ page.

    Access the FAQ »

  • Transfer of Credit

    You may be eligible for transfer of credit for prior coursework or other approved designations. Please note: Some states waive the Series 65 if the ChFC® has been earned.

    Learn more »

    Moving Your Career Forward

    Plan your next designation. After successfully completing six required courses* in the ChFC® curriculum, you may qualify to sit for the CFP® Certification Examination after completing HS 333 Personal Financial Planning.

    *HS 300, HS 311, HS 321, HS 326, HS 328, HS 330.

    Highest Standard of Knowledge and Trust

    If you earn the ChFC® designation, you may also earn the CLU® designation by completing a minimum of three additional courses. For the CLU®, you must complete the remaining core courses and select from the electives list for that program if additional courses are still needed; electives in the ChFC® program may not be used as electives in the CLU® program.

    Learn more »

    Additional Study Support

    Cost-effective supplementary study materials, developed in partnership with Keir Educational Resources, are also available for select ChFC® courses.

    Learn more »

    Refund Requests

    All requests for refunds must be made in writing to the Office of Professional Education, The American College, 270 S. Bryn Mawr Ave., Bryn Mawr, PA 19010. We will refund your course tuition less a $170 cancellation fee for 30 days into the quarter for which you are registered. Textbooks do not need to be returned and no refund will be given for these textbooks.

Between managing my cash flow and lingering tax issues affecting my business-I was overwhelmed. Find out how a ChFC Helped

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Online: Click Here to Begin

PDF: Mail or Fax a PDF Application

Phone: 888-263-7265

Email: Send Us an Email

Hours: M–F 8 a.m. – 6 p.m. ET

Program Price—Best Value!

On Your Time Package: $5,021

Includes the full package of nine self-study classes with the best support in the business. Enjoy extensive online study materials including practice exams, audio reviews, video clips and more.

Pricing For Single Courses

Tuition: $659 (per course)

Admission Fee: $150*

Retake/Reschedule: $170

Shipping: $25 (per course)

Self-paced study with the best support in the business. Enjoy extensive online study materials including practice exams, audio reviews, video clips and more.

*One-time, nonrefundable fee for new enrollees at The College.

 
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