Alert: COVID-19 UPDATE – Students should check their student portal for Academic Updates and FAQS regarding exam extensions and testing centers.

ChFC®

Two fathers with their daughter in living room

What is a ChFC®?

Advanced financial planning for every person and every need: that is the credo of the Chartered Financial Consultant® (ChFC®) designation program. ChFC® covers a must-have list of requirements for financial advisors, from knowledge on tax and retirement planning to special needs advising, wealth management, insurance, and more. If you are looking for financial classes online that will give you a stronger baseline understanding of what it takes to be successful as a financial consultant, ChFC® certifications for financial advisors can help open doors and expand your business while putting you in a position to branch out and take your chartered financial practice to the next level.

 

Why You Should Consider the ChFC®

Designed for immediate, real-world application, the financial planning strategies taught in the eight-course ChFC® designation program prepare you as a financial consultant to advise a full range of potential clients on a diverse set of subjects. Mainly delivered through our new Personal Pathway™ learning model, the ChFC® program will deepen your knowledge and broaden your chartered financial practice. Thanks to its flexible learning experience, engaging content, and unmatched support.

Join the more than 40,000 chartered financial professionals who have earned the ChFC® designation and position yourself as a go-to advisor for anyone seeking the latest and most comprehensive financial advice.

Personal Pathway™ courses open the first Thursday of every month. Enroll now for instant access to your digital textbook, syllabus and other learning resources.

HS 333 and HS 347 will maintain their current construction outside the Personal Pathway™ learning model. View all courses to learn more.

What You’ll Learn

The ChFC® designation program covers the top challenges you’ll face as a financial consultant. Through a college-level curriculum focused on practical application and case studies, you’ll gain expertise in the long-standing fundamentals of the field and in today’s most in-demand specialized financial consultant services.

In the eight courses of the ChFC® designation program, you’ll study:

  • The financial planning process, including the role and responsibilities of a financial consultant
  • Risk management strategies, including mitigating the risks associated with insurance, human capital, liability, property, and wealth management
  • Income tax strategies, including planning for deductions, tax credits, capital gains and losses, taxation of life insurance, annuities, and partnerships, LLCs, corporations, and proprietorships
  • Retirement planning strategies, including choosing between and working with SEPs, SIMPLEs, IRAs, Roth IRAs, 403(b), and nonqualified deferred compensation plans
  • Investment strategies, including issues pertaining to return computations, diversification, securities markets, tax issues, portfolio management, and ethical practice
  • Estate and gift-tax planning strategies
  • Personal financial planning strategies
  • Specialized strategies, including aiding divorcees and blended families, financial planning for families with special needs, serving non-traditional families and LGBTQ clients, addressing the unique challenges associated with modern retirement income portfolios, and applying behavioral finance strategies as a chartered financial consultant

Who Should Take the ChFC®

  • Early-career financial professionals seeking a foundational education and a designation that can boost their career. Field leaders are 59% more likely to hold a ChFC® designation
  • Financial consultants seeking to earn the ChFC® and sit for the CFP® exam. The first seven ChFC® designation courses fulfill CFP® Certification Education requirements
  • Financial consultants seeking to earn the ChFC® designation and prepare for future designations. ChFC® graduates need to take only three more courses to earn the CLU®
  • Mid-career professionals who want to augment their CFP® certification with the advanced knowledge of the ChFC® designation program course “Contemporary Applications in Financial Planning” (HS 347). Upon completion of HS 347, CFP® professionals will earn the ChFC® designation, allowing them to elevate their credentials with a single course.
  • CFP® professionals who are seeking CE credit. The ChFC® course “Contemporary Applications in Financial Planning” (HS 347) provides CE credit and earns CFP® professionals the ChFC® designation
  • Insurance professionals, brokers, retirement experts, financial consultants, and both home office and client-facing practitioners who desire a strong, foundational financial education and want to take financial classes online

Program Delivery

Personal Pathway™ puts you in control

Personal Pathway™ combines best-in-practice concepts, rich multimedia, and state-of-the-art technology in a program that meets your professional needs. It puts you on a flexible, yet structured learning path with the tools you need to succeed – for one flat tuition rate.

Personal Pathway™ courses include:

  • Learning options that allow you to follow a structured 14-week path or work at your own pace and finish sooner
  • Digital textbooks equipped with online note-taking and flashcard creation capabilities
  • Rich interactive lesson reviews that incorporate text, graphics, and video elements
  • Weekly webinars available live or on-demand
  • Discussion forums that encourage social learning and facilitate networking opportunities
  • Preparatory quizzes that improve retrieval practices and support better learning outcomes
  • Expanded instructor support

All built on a platform that incorporates student-first technology!

Read more about Personal Pathway™ and our Frequently Asked Questions

Tuition & Fees

Personal Pathway™ courses combine engaging live and self-study learning options — and no webinar fees — for one flat tuition rate. Whether you prefer self-paced or structured, your tuition is the same.

  • Individual course: $810
  • Case-study course (HS 333): $1,010
  • Contemporary Applications in Financial Planning (HS 347): $1,490

8-Course Package Promotion - Save $2,965! Enroll by 7/31*

Includes: Full 8-course program, digital textbooks with online note-taking and flashcard creation, prep quizzes modeled on exams, live and on-demand webinars, student/faculty discussion forums, and more.

Promo Code: PP720

  Tuition Promotional Tuition Savings
8-Course Package $7,360 $4,395 $2,965

3-Course Package Savings**

**HS 333 and HS 347 excluded from 3-Course Package.

  Tuition Package Tuition Savings
3-Course Package $2,430 $2,150 $280

*Promotion code PP720 is only eligible for the designation programs listed above. Promotion can only be applied on a 8-course ChFC® package. Promotion cannot be applied on single courses and cannot be combined with any other promotion, company savings, company direct payments, or applied to previous purchases.

COURSES

* Indicates courses available under the Personal Pathway™ learning model

Required ChFC® courses:

  • HS 300 Financial Planning: Process and Environment*
  • HS 311 Fundamentals of Insurance Planning*
  • HS 321 Income Taxation*
  • HS 326 Planning for Retirement Needs*
  • HS 328 Investments*
  • HS 330 Fundamentals of Estate Planning*
  • HS 333 Personal Financial Planning: Comp. Case Analysis
    • Webinar-based course
    • Project-based grade (no exam)
    • Student will submit a Comprehensive Financial Plan to a grading instructor
  • HS 347 Contemporary Applications in Financial Planning
    • Self-study course with no webinar component
    • Current month+9 format
    • Includes final exam
Details

Required ChFC® Courses:

HS 300 Financial Planning: Process and Environment:
This course provides an overview of the financial planning process, including the role and responsibilities of a financial planner along with analytical tools to aid in financial decision-making. Topics include:

  • Communication techniques
  • Ethics
  • Education planning and funding
  • Time-value-of-money concepts
  • Financial planning applications
  • Regulatory issues
  • Legal and economic environment for financial planning

 

HS 311 Fundamentals of Insurance Planning:
This course focuses on the role of planning for risk management needs. The topics covered include:

  • Fundamental principles of risk management
  • Principles of insurance
  • Human capital risk
  • Liability risk
  • Property risk
  • Financial wealth risk

 

HS 321 Income Taxation:
The course examines the federal income tax system with particular reference to the taxation of individuals. Concepts covered include:

  • Gross income, exclusions from gross income
  • Deductions
  • Tax credits
  • Capital gains and losses
  • Taxation of life insurance
  • Taxation of annuities
  • Entity taxation of partnerships, LLCs, corporations, and proprietorships


HS 326 Planning for Retirement Needs:
This course focuses on selecting the right retirement plan for the business and on individual retirement planning. Covers:

  • Qualified plans, SEPs, SIMPLEs and 403(b) plans
  • Nonqualified deferred compensation plans
  • 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
  • Individual retirement planning including IRAs and Roth IRAs, Social Security benefits, saving for retirement and planning for retirement plan distributions


HS 328 Investments:
This course covers various aspects of the principles of investments and their application to financial planning. Topics include:

  • Risk analysis, risk and return computations
  • Risk reduction through diversification
  • Expected returns of various investments
  • Nature of securities markets and investment companies
  • Tax issues in investing
  • Issues in the practice of portfolio management
  • Examples of ethical and practical investment considerations


HS 330 Fundamentals of Estate Planning:
This course provides a basic understanding of the estate and gift tax system, including strategies of estate planning. Covers various aspects of estate and gift tax planning, including:

  • Nature, valuation transfer, administration, and taxation of property
  • Gratuitous transfers of property outright or with trusts, wills and powers of appointment
  • Use of the marital deduction
  • Valuation of assets
  • Buy-sell agreements
  • Client interview/fact finding
  • Ethical standards
  • Development of personal estate plans

 

HS 333 Personal Financial Planning: Comp. Case Analysis:
This course applies students' knowledge and skill set in personal financial planning techniques to a comprehensive case study. Students will integrate into a prioritized comprehensive financial plan core financial planning disciplines of:

  • Retirement
  • Investment
  • Risk management
  • Income tax
  • Employee benefits
  • General principles

* Students are eligible to enroll in the capstone course (HS 333) after completing the first 6 courses of the curriculum in both the CFP and ChFC programs (HS 300, HS 311, HS 321, HS 326, HS 328, HS 330). HS 333 is a course designed to bring together elements from all of the previous foundation courses, and prepares students to synthesize and apply their knowledge of the financial planning process, insurance, taxation, investments, retirement, and estate planning through the delivery of a comprehensive financial plan.


HS 347 Contemporary Applications in Financial Planning
This premium course examines contemporary financial planning challenges through a series of modern case studies, including:

  • Aiding divorcees and blended families
  • Financial planning for families with special needs
  • Serving non-traditional families and LGBT clients
  • Unique challenges associated with modern retirement income portfolios
  • Hands-on application of behavioral finance, ethics, and estate planning

 

*The course HS 347 is replacing HS 314 and HS 319 on Dec. 31, 2019. If you enrolled prior to July 1, 2018 and wish to complete the ChFC® program with HS 314 and HS 319, you must complete these two courses prior to Dec. 31, 2019. If HS 314 and HS 319 are not completed prior to Dec. 31, 2019 you will be required to do HS 347.

To receive a Huebner School designation (including ChFC®, CLF®, CLU®, RICP®, and WMCP®), you must successfully complete all courses in your selected program, meet experience requirements and ethics standards, and agree to comply with The American College Code of Ethics and Procedures. 

Experience

Three years of full-time business experience is required for all Huebner School designations. The three-year period must be within the five years preceding the date of the award. An undergraduate or graduate degree from an accredited educational institution qualifies as one year of business experience. Part-time qualifying business experience is credited toward the three-year requirement on an hourly basis, with 2,000 hours representing the equivalent of one year full-time experience. The following activities meet the required business experience qualifications included in the certification process.

       Insurance and health care

  • Field underwriting and management, including sales and service activities, supervision and management of persons involved in sales or services, or staff support of persons in these activities.
  • Company management and operations in positions involving substantial responsibility.

       Financial services and employee benefits

  • Client service and related management, including direct contact with clients, supervision and management of persons involved directly in the process of providing financial services or employee benefits, or staff support of persons in these activities.
  • Financial institution management and operations in positions involving substantial responsibility.

       Other

  • University or college teaching of subjects related to the Huebner School curriculum on a full-time basis at an accredited institution of higher education.
  • Government regulatory service in a responsible administrative, supervisory, or operational capacity.
  • Activities directly or indirectly related to the protection, accumulation, conservation, or distribution of the economic value of human life; these include the work of actuaries, attorneys, CPAs, investment advisers, real estate investment advisers, stockbrokers, trust officers, or persons in other similar occupations.

Enhanced Online Learning: Webinar Classes Available

For select courses, a webinar study option is available for those who want a more familiar classroom feel as part of their student experience. Attend weekly classes online and ask questions in real-time. Many of these webinar classes come complete with smartphone- and tablet-ready material. 

HS 333 Personal Financial Planning: Comprehensive Case Analysis
April 06 - May 11, 2020
Monday 5:30pm - 7:30pm EST
HS 333 Personal Financial Planning: Comprehensive Case Analysis
April 06 - May 11, 2020
Monday 11:00am - 1:00pm EST
HS 333 Personal Financial Planning: Comprehensive Case Analysis
July 06 - August 10, 2020
Monday 11:00am - 2:00pm EST
HS 333 Personal Financial Planning: Comprehensive Case Analysis
July 06 - August 10, 2020
Monday 5:30pm - 7:30pm EST

See the Student Resources and Policies page for comprehensive details on refund policies, learning policies, recertification information, and more.

Because the ChFC® certification shares common courses with the CLU® and CFP® designations, you have the option to work towards multiple designations at once. View this chart to see how these courses overlap — and how you can earn multiple designations faster.

Program Faculty

Ross Riskin
Ross A. Riskin

Associate Professor of Taxation

Director, CFP® and ChFC® Education Programs

Chair of the NextGen Advisory Task Force

Matt Goren
Matt Goren

Assistant Professor of Financial Planning 

Michale Finke Chief Academic Officer
Michael Finke

Professor of Wealth Management

WMCP® Program Director

Director for the Granum Center for Financial Security

Frank M. Engle Distinguished Chair in Economic Security

Adjunct Professor Steve Parrish
Steve Parrish

Adjunct Professor of Advanced Planning

Co-Director of the New York Life Center for Retirement Income

Professor Kevin Lynch
Kevin M. Lynch

Instructor of Insurance

Clark/Bardes Endowed Chair in Retirement Planning and Non-Qualified Deferred Compensation

Thomas M. Brinker, Jr.

Adjunct Professor of Taxation and Special Needs Planning

Director, ChSNC® Education Program

Director of the MassMutual Center for Special Needs

Professor Sophia Duffy, Associate Dean
Sophia Duffy

Assistant Professor of Business Planning

Professor Gerald Herbison
Gerald J. Herbison

Adjunct Professor of Leadership and Practice Management