| CHARTERED FINANCIAL CONSULTANT |
What is the ChFC?
The ChFC program focuses on the comprehensive financial planning process as
an organized way to collect and analyze information on a client's total financial
situation; to identify and establish specific financial goals; and to formulate,
implement, and monitor a comprehensive plan to achieve those goals. The ChFC
program provides financial planners and others in the financial services industry
with in-depth knowledge of the skills needed to perform comprehensive financial
planning for their clients. Since its inception in 1982, more than 40,000 men and
women have met the educational, experience, and ethics mandates needed to
earn the ChFC designation.
Earning a ChFC
The designation requires eight courses - five which are required and three
electives. Students also must meet specified experience requirements, maintain
ethical standards, and agree to comply with both The American College's Code of
Ethics and Procedures and applicable continuing education requirements.
Experience Requirements
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.
The following activities meet the required business experience
qualifications included in the ChFC 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.
Ethics Standards
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 the eight Canons.
The Professional Pledge
"In all my professional relationships, I pledge myself to the following rule of ethical
conduct: I shall, in light of all conditions surrounding those I serve, which I shall
make every conscientious effort to ascertain and understand, render that service
which, in the same circumstances, I would apply to myself."
The Canons
I Conduct yourself at all times with honor and dignity.
II Avoid practices that would bring dishonor upon your profession or
The American College.
III Publicize your achievements in ways that enhance the integrity of
your profession.
IV Continue your studies throughout your working life so as to maintain
a high level of professional competence.
V Do your utmost to attain a distinguished record of professional
service.
VI Support the established institutions and organizations concerned
with the integrity of your profession.
VII Participate in building your profession by encouraging and providing
appropriate assistance to qualified persons pursuing professional
studies.
VII Comply with all laws and regulations, particularly as they relate to
professional and business activities.
The ChFC program focuses on the comprehensive financial planning process as
an organized way to collect and analyze information on a client's total financial
situation; to identify and establish specific financial goals; and to formulate,
implement, and monitor a comprehensive plan to achieve those goals. The ChFC
program provides financial planners and others in the financial services industry
with in-depth knowledge of the skills needed to perform comprehensive financial
planning for their clients. Since its inception in 1982, more than 40,000 men and
women have met the educational, experience, and ethics mandates needed to
earn the ChFC designation.
Earning a ChFC
The designation requires eight courses - five which are required and three
electives. Students also must meet specified experience requirements, maintain
ethical standards, and agree to comply with both The American College's Code of
Ethics and Procedures and applicable continuing education requirements.
Experience Requirements
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.
The following activities meet the required business experience
qualifications included in the ChFC 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.
Ethics Standards
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 the eight Canons.
The Professional Pledge
"In all my professional relationships, I pledge myself to the following rule of ethical
conduct: I shall, in light of all conditions surrounding those I serve, which I shall
make every conscientious effort to ascertain and understand, render that service
which, in the same circumstances, I would apply to myself."
The Canons
I Conduct yourself at all times with honor and dignity.
II Avoid practices that would bring dishonor upon your profession or
The American College.
III Publicize your achievements in ways that enhance the integrity of
your profession.
IV Continue your studies throughout your working life so as to maintain
a high level of professional competence.
V Do your utmost to attain a distinguished record of professional
service.
VI Support the established institutions and organizations concerned
with the integrity of your profession.
VII Participate in building your profession by encouraging and providing
appropriate assistance to qualified persons pursuing professional
studies.
VII Comply with all laws and regulations, particularly as they relate to
professional and business activities.
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Alpha Planning
and Financial Services, Inc.
and Financial Services, Inc.