Fundamentals of Financial Planning: Fundamentals is the introductory course. Its basic purpose is to explain the process of financial planning and the function of the financial planner. The course covers financial planning tools and techniques, including financial statement analysis, basic economics, funding for education needs, and dealing with clients. The HP12C financial calculator is used to analyze time value of money problems. The regulation of financial planners is explained, as well as the ethical standards to which Certified Financial Planner™ certificants are held.
Insurance Planning and Risk Management: This course demonstrates how insurance planning is a vital and integral part of the client's comprehensive financial plan. It identifies and explains risks which can be insured by the client: property and casualty risks, personal ad professional liability risks, medical risks, disability risks, and the risk of premature death. Non-insurance risk management techniques are explained, as well as the regulation of the insurance industry. The application of annuities to planning situations is set forth. Advanced uses of life insurance are demonstrated.
Income Tax Planning: This is an introductory course in the concepts and applications of tax law and practices. The primary focus of this course includes how to determine tax liabilities and tax rates. The components of income, deductions, and property transactions are covered in detail.
Investment Planning: This course is an introductory course in investments. The course covers: investment alternatives, securities markets and trading, risk and return concepts, discussion and analysis of stock and bond valuation, portfolio management, options and futures, fundamental and technical analysis.
Retirement Planning: This course is an introduction to the many savings vehicles available to help an individual achieve his or her retirement goals. Some of these vehicles are personal savings arrangements, while others take the form of employee benefit plans. In this course, we will provide a comprehensive overview of the various types of individual retirement arrangements that may be started by an individual independent of employer sponsorship. We will then discuss their detailed compliance and distribution requirements.
Estate Planning: This course deals with the efficient accumulation, conservation and distribution of a client's acquired property. The course deals with the estate planning techniques which may be used during a client's life as well as at death, to meet stated objectives. The identification and use of appropriate forms of wills and trusts is set forth. Techniques for reducing, freezing, or eliminating the Unified Transfer Tax are explained and applied to client situations. Finally, post-mortem planning techniques are identified and explained.
Capstone/ Case Study: This course gives a student the opportunity to apply the knowledge gained in the six academic courses, by working through three major case studies that take a couple and trace their financial plan through three crucial phases of their life. You will also be exposed to three methods of working through a case study to help prepare you for the CFP® Certificate Examination.
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