The American College of Financial Services

888-263-7265

The evolution of training for today’s successful advisor.

Product and skills training is the foundation for career-long learning and helps advisors and agents succeed in a competitive environment. With the FSCP® program, The American College is taking our current training curriculum to the next level — offering current content and the latest delivery technology to give financial services professionals even greater results.

What is the FSCP®?

About

All new. For every professional. At any stage in your career.

To establish yourself as a knowledgeable advisor your clients can trust, you need training on essential sales, product and planning topics. Superior product knowledge, exceptional selling skills, and an understanding of how to build your business gives you the confidence you need to succeed. Click below to watch Jack Hondros, Chief Marketing Officer, tell you about the FSCP®.

According to a 2013 study, advisors who complete skills training with The American College are 72% more productive in the early stages of their careers*.

*Source: The American College Designation Outcomes Study, 2013

Ways to Learn

We offer students top-notch education, delivered in four different formats to suit your preference and lifestyle.

Modular   NEW!
  • Short, interactive self-study
  • Proctored online exam
Live Online Class
  • Top instructor, rich content
  • Action assignments
  • Proctored online exam
Live Local Classes
  • Face-to-face interaction
  • Highly structured
  • Proctored online exam
Asynchronous Online Class
  • Flexibility for busy advisors
  • Retains interactivity
  • Proctored online exam

Ways to Learn

Curriculum

Mix and Match total up to 10 units any way you want.

The Curriculum

FSCP® allows you to customize your learning experience. Once you’ve completed 10 Educational Units, and fulfilled your Ethics requirement (choose either FP 50 or FA 290), you're ready to complete our eight-week Certification Course! Not working toward the FSCP® designation? You can take any course or module to stay current on all important topics affecting advisors today.

Click the topics below to view the courses.

Build Your Practice

Course Course Name Experience Delivery Units Avail
FA 200 Techniques for Prospecting: Prospect or Perish
Teaches advisors industry-proven methods for successfully identifying, selecting and approaching prospects for financial products and services. The course covers procedures for creating prospect awareness, target marketing concepts and prospect qualification and prioritization techniques. Students learn how to overcome the psychological barriers to prospecting and innovative approaches to setting income and activity goals. Strategic, tactical and operational business planning processes are presented in detail, along with effective contact management systems. In addition, practice management concepts, professionalism and ethics are explored.
Beginning Live Online Live Local Self-Study 2 Yes
FP 40 Techniques for Prospecting: Prospect or Perish
In this module, students will explore the five hurdles to successful prospecting and the psychological keys to overcoming them. The student will learn about target marketing, identifying qualified prospects, and positioning and branding the advisor within target markets. The module also identifies the major sources of prospects and how to create awareness through workshops, seminars and the media. Students will learn how to set meaningful goals for their business, track results and ensure accountability. The entire module stresses the ethical practices that all advisors must follow as they pursue success in the financial services industry.
Beginning Modular 1 Yes
FA 201 Techniques for Exploring Personal Markets
Provides an in-depth look at penetrating the personal markets using the life-cycle marketing strategy and selling/planning process. Learn to segment your market into four adult life-cycle segments and recognize the common insurance and financial needs members of these market segments have. Apply this approach to new prospects and existing clients. Create a basic marketing plan to apply the life-cycle marketing strategy to your practice. Other topics covered include disability income, life, long-term care and Medicare supplement insurance; overview of investment products; special markets; and retirement and estate planning.
Beginning Live Online Live Local Self-Study 2 Yes
FA 202 Techniques for Meeting Client Needs
Offers an introduction to the life insurance sales career and the sales/planning process in the personal market. Addresses total-needs selling, the consultative selling process and the needs for personal life insurance. Presents the skills used throughout the sales/planning process, from the initial client meeting, through fact finding and sales presentations, to servicing and continuing a mutually profitable relationship. Presents a review of insurance products, policy provisions, underwriting and service.
Beginning Live Online Live Local Self-Study 2 Yes

FA 290 Ethics for the Financial Services Professional
Provides a practical framework for making ethical business decisions in the financial services industry. This course examines legal, compliance and practice standards that apply to the financial services professional. The course also investigates ethical approaches to placing financial products, determining suitability and assessing risk. Concludes with a final exam, which also must be taken if state continuing education credits are sought. Course format is textbook self-study, with online exam (requires a proctor). (Students licensed in New York take paper exams.) Exam is required for state CE credit.
Required Self-study N/A Yes
  OR
FP 50 The Ethical Advisor
This course is designed to introduce the financial services practitioner to ethical decision making as a professional. This course is composed of five lessons covering: creating an ethical decision making framework, identifying obstacles to acting ethically at the individual and organizational level and it also explores some common ethical situations.
Required Modular N/A Yes

  FP 99 Certification Course
This practicum course is designed to serve as an overview of the major planning components that make up a comprehensive financial plan. It’s intended to serve as the avenue where the culmination of theoretical principles and practical application acquired over the course of the Program are assessed. The students will attend “live” weekly 2-hour courses over a period of 8-weeks reinforcing their level of knowledge in preparation for the comprehensive final exam.
Required Live Online N/A Yes

Required to complete the designation

Learn The Products

Course Course Name Experience Delivery Units Avail
FA 222 Essentials of Multiline Insurance Products
This course provides multiline agents with a strategy for helping their clients obtain the various insurance and other financial products they need to achieve their dreams and protect their income and assets. The course provides an overview for how to establish the need, gather information, analyze the information and develop recommendations for products in the various levels of the revised financial planning pyramid. Products discussed include: disability income insurance, life insurance, long-term care insurance, mutual funds and annuities. Retirement and estate planning are also discussed.
Beginning Live Online Live Local Self-Study 2 Yes
FP 51 Essentials of Life Insurance Products 1
This module provides the student with an overview of insurance terminology and contract provisions, as well as provides a fundamental understanding of the similarities and differences between Term and Permanent Insurance.
Beginning Modular 1 Yes
FP 52 Essentials of Life Insurance Products 2
This course provides the student with an understanding of the tax implications of life insurance, an overview of the use of illustrations in life insurance selling, as well as a fundamental understanding of the similarities and differences between various types of Permanent insurance (i.e. Universal Life, Variable Life, and Variable Universal Life).
Beginning Modular 1 Yes
FA 251 Essentials of Business Insurance
Covers how life and disability income insurance can guarantee the control and value of a business following the owner’s or key person’s death, disability, or retirement through buy-sell agreements and key person insurance. Explores the basics of estate planning for the business owner. Examines what to say, how to say it and when to say it to capture the attention of the business owner.
Advanced Live Online Live Local Self-Study 2 Yes
FA 255 Essentials of Long-Term Care Insurance
Provides an overview of why there is a need for long-term care (LTC) and explains what LTC is and who will need it. Describes how to select, approach and meet the prospect. Covers the use of fact finding and field underwriting in making the LTC insurance sale; how to customize the policy to meet the prospect’s objectives; how to deliver the policy and service the plan; the relationship of the LTC need to comprehensive financial needs; the role of the advisor as a financial services professional; and how to build an LTC insurance practice.
Advanced Live Online Live Local Self-Study 2 Yes
FA 211 Essentials of Disability Income Insurance
Examines individual disability income insurance and the related products of business buyout coverage and business overhead expense insurance. Presents the real reasons behind commonly used objections and what they tell the skilled financial advisor, and reviews proven sales approaches and ways to overcome these objections and close the sale. Also covers the use of fact finding and field underwriting in making the disability income insurance sale, how to customize the policy to meet the prospect’s objectives, and how to deliver the policy and service the plan.
Beginning Live Online Live Local Self-Study 2 Yes

FA 290 Ethics for the Financial Services Professional
Provides a practical framework for making ethical business decisions in the financial services industry. This course examines legal, compliance and practice standards that apply to the financial services professional. The course also investigates ethical approaches to placing financial products, determining suitability and assessing risk. Concludes with a final exam, which also must be taken if state continuing education credits are sought. Course format is textbook self-study, with online exam (requires a proctor). (Students licensed in New York take paper exams.) Exam is required for state CE credit.
Required Self-study N/A Yes
  OR
FP 50 The Ethical Advisor
This course is designed to introduce the financial services practitioner to ethical decision making as a professional. This course is composed of five lessons covering: creating an ethical decision making framework, identifying obstacles to acting ethically at the individual and organizational level and it also explores some common ethical situations.
Required Modular N/A Yes

  FP 99 Certification Course
This practicum course is designed to serve as an overview of the major planning components that make up a comprehensive financial plan. It’s intended to serve as the avenue where the culmination of theoretical principles and practical application acquired over the course of the Program are assessed. The students will attend “live” weekly 2-hour courses over a period of 8-weeks reinforcing their level of knowledge in preparation for the comprehensive final exam.
Required Live Online N/A Yes

Required to complete the designation

Planning Concepts

Course Course Name Experience Delivery Units Avail
FA 261 Foundations of Retirement Planning
Guides professionals in examining the retirement planning process, fact finding, methods of analyzing facts, retirement planning software and sales tracking. Discusses the role of Social Security, Medicare, Medicaid and tax policies in retirement planning and the suitability of various accumulation vehicles, such as stocks, bonds, mutual funds, life insurance and annuities for retirement planning. Explains how retirement planning creates estate planning needs and addresses payout options, spousal benefits and investment strategies.
Beginning Live Online Live Local Self-Study 2 Yes
FA 262 Foundations of Financial Planning: An Overview
Provides an overview of the major components that make up a comprehensive financial plan, including the six-step planning process, insurance planning, risk management, employee benefits planning, investment planning, income tax planning, retirement planning and estate planning. The course also covers Social Security and Medicare and their importance as the foundation of a client’s financial plan.
Beginning Live Online Live Local Self-Study 2 Yes
FA 271 Foundations of Estate Planning
Offers an introduction to estate planning and the role life insurance plays in the planning process. Discusses how different types of property are transferred during life and at death, and the tax implications of not planning. Also presents the steps required to settle an estate and discusses the importance of having a will, the gift and estate transfer tax system, state death and estate taxes, trusts and planning estates of business owners.
Advanced Live Online Live Local Self-Study 2 Yes
FP 54 Annuities 1 (Fixed Annuities)
This course is designed to provide the student with the basic concepts relating to fixed, indexed and immediate annuities. The basic concepts and types of annuity contracts are reviewed. Annuities should be viewed as financial tools that combine investment and risk management characteristics to provide solutions to individuals’ financial challenges. For annuities, these are primarily accumulating funds for living in retirement, and meeting the longevity problem by providing an individual with a guaranteed lifetime income.
Beginning Modular 1 Yes
FP 55 Annuities 2 (Variable)
This course focuses on the insurance and investment product features of variable annuities. Students will learn why people buy them, and their use in retirement planning. It compares the costs, benefits, advantages and disadvantages of variable annuities with its chief competitor, mutual funds. Regulation and income tax treatment of variable annuities is also discussed. Finally, students will be presented with arguments for and against annuities in general, and their appropriate use as planning tools.
Beginning Modular 1 Yes
FP 60 Foundations of Estate Planning
This module provides students with basic knowledge to help them discuss and develop estate planning solutions that meet the client’s estate planning needs and goals. It covers current estate tax law, the phases of estate planning and the obstacles preventing clients from completing successful estate plans. The student will also gain an understanding of federal gift tax, as well as estate taxation basics, at an introductory level. Estate planning for special needs, nontraditional living arrangements and a discussion on ethical issues and professionalism are also addressed.
Advanced Modular 1 Yes

FA 290 Ethics for the Financial Services Professional
Provides a practical framework for making ethical business decisions in the financial services industry. This course examines legal, compliance and practice standards that apply to the financial services professional. The course also investigates ethical approaches to placing financial products, determining suitability and assessing risk. Concludes with a final exam, which also must be taken if state continuing education credits are sought. Course format is textbook self-study, with online exam (requires a proctor). (Students licensed in New York take paper exams.) Exam is required for state CE credit.
Required Self-study N/A Yes
  OR
FP 50 The Ethical Advisor
This course is designed to introduce the financial services practitioner to ethical decision making as a professional. This course is composed of five lessons covering: creating an ethical decision making framework, identifying obstacles to acting ethically at the individual and organizational level and it also explores some common ethical situations.
Required Modular N/A Yes

  FP 99 Certification Course
This practicum course is designed to serve as an overview of the major planning components that make up a comprehensive financial plan. It’s intended to serve as the avenue where the culmination of theoretical principles and practical application acquired over the course of the Program are assessed. The students will attend “live” weekly 2-hour courses over a period of 8-weeks reinforcing their level of knowledge in preparation for the comprehensive final exam.
Required Live Online N/A Yes

Required to complete the designation

Target New Markets

Course Course Name Experience Delivery Units Avail
A 204 Marketing Financial Services to Women
Explore the marketing opportunity and demand for insurance and financial products that exist among the largest single economic force in the world American women. This course is designed to increase the financial professional’s readiness and effectiveness in marketing to, working with and serving female clients. It incorporates the latest research on women and money, best practices in marketing, relationship building, consultative selling and the six content areas of financial planning (insurance and risk management, cash management, investments, income taxation, retirement and estate planning). Since trust is essential for success in the "Women's Market" and is often absent in how women view financial professionals, the barriers and builders of trust are explored as foundational elements. Both the planning process (i.e. six steps) and scope (i.e. six areas) are examined in detail.
Beginning Live Online Live Local Self-Study 2 Yes
FP 46 Social Media for Financial Services Professionals
This course provides a hands-on approach to the world of Social Media as it relates to the financial advisor. Given the incredible pace of change in this area, a methodology will be taught that equips the financial advisor to critically evaluate different platforms as they relate to their ideal client. Building on this client-centric foundation, the course will cover how to specifically use Twitter, Facebook and LinkedIn for prospecting, connecting and growing businesses. Wherever possible, real-world case studies are highlighted as well as issues surrounding compliance factors.
Beginning Modular 1 Yes
FP 47 Financial Services for Women
This course is designed to increase the financial professional's readiness and effectiveness in marketing to, working with, and serving female clients. It incorporates the latest research on women and money, best practices in marketing, relationship building and consultative selling. Since trust is essential for success in the "Women's Market" and is often absent in how women view financial professionals, the barriers and builders of trust are explored as foundational elements.
Beginning Modular 1 Yes
CP 152 Fundamentals of Healthcare Reform
This course is designed to educate the student on the key elements of healthcare reform. By the end of the course, the student will have a high level of competency in healthcare reform and will be able to confidently answer client questions. This course is a straightforward e-learning course covering topics such as: healthcare exchanges, the “play or pay” tax, the individual mandate, small business health care tax credit and more.
Beginning Modular 1 Yes
FP 74 Financial Issues of Separation and Divorce
This course provides the student with a basic understanding of the financial issues that their clients will face as they go through a divorce. The course also gives the student tips on how to help their clients address their financial decisions.
Advanced Modular 1 Yes
FP 75 Emotional Issues of Separation and Divorce
This course provides the student with a basic understanding of the emotional issues that their clients will face as they go through a divorce. The course also gives the student tips on how to help their clients recognize and potentially address their emotional dilemma.
Advanced Modular 1 Yes
FP 77 Essentials of Healthcare Reform
This course provides the student with a comprehensive overview of the major HealthCare Reform changes due to the passages of the Affordable Care Act. Since the majority of the requirements were due to be implemented by 2014,students will be made aware of how those requirements have impacted business owners, their employees, and the individual consumer.
Advanced Modular 1 Yes

FA 290 Ethics for the Financial Services Professional
Provides a practical framework for making ethical business decisions in the financial services industry. This course examines legal, compliance and practice standards that apply to the financial services professional. The course also investigates ethical approaches to placing financial products, determining suitability and assessing risk. Concludes with a final exam, which also must be taken if state continuing education credits are sought. Course format is textbook self-study, with online exam (requires a proctor). (Students licensed in New York take paper exams.) Exam is required for state CE credit.
Required Self-study N/A Yes
  OR
FP 50 The Ethical Advisor
This course is designed to introduce the financial services practitioner to ethical decision making as a professional. This course is composed of five lessons covering: creating an ethical decision making framework, identifying obstacles to acting ethically at the individual and organizational level and it also explores some common ethical situations.
Required Modular N/A Yes

  FP 99 Certification Course
This practicum course is designed to serve as an overview of the major planning components that make up a comprehensive financial plan. It’s intended to serve as the avenue where the culmination of theoretical principles and practical application acquired over the course of the Program are assessed. The students will attend “live” weekly 2-hour courses over a period of 8-weeks reinforcing their level of knowledge in preparation for the comprehensive final exam.
Required Live Online N/A Yes

Required to complete the designation

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