• Read more about HS 324 Legal Aspects of Life Insurance

Examines legal rights and obligations of the policy owner and the insurance company, the way disputes between the insured and insurers are resolved and general principles of the judicial process. Covers legal aspects of life insurance, including basic principles of contract law; policy provisions and the incontestable clause; assignments, ownership rights and creditor rights; beneficiary designations and disposition of proceeds; the law of agency; and advertising and privacy issues. 000014 CLU^® Single Course 2 1.00 Insurance and Risk Management Professional Designations & Certifications Early Career Professional Mid Career Professional Yes Yes 0000141 AL AL AR AR AZ AZ CA CA CO CO CT CT DE DE GA GA HI HI IA IA ID ID IN IN KS KS KY KY LA LA MA MA MD MD ME ME MI MI MO MO MS MS MT MT NC NC NE NE NE NE NH NH NJ NJ NM NM NV NV NY NY OK OK OR OR PA PA PR PR RI RI SC SC SD SD TN TN UT UT VA VA VT VT WI WI WV WV WY WY MN TX FL IL OH ND WA 28G

• Read more about HS 323 The Tools and Techniques of Life Insurance Planning

Focuses on life insurance policies and annuities available for the personal needs of individuals and their use in financial planning. Covers individual insurance products, insurance reserves regulation, and the organization, operations, and investments of insurance companies. 000011 CLU^® FSCP^® Single Course 7 1.00 Insurance and Risk Management Practice Management Professional Designations & Certifications Early Career Professional Mid Career Professional Yes Yes 0000111 AL AL AR AR AZ AZ CA CA CO CO CT CT DE DE GA GA HI HI IA IA ID ID IN IN KS KS KY KY LA LA MA MA MD MD ME ME MI MI MS MS MT MT NC NC NE NE NH NH NJ NJ NM NM NV NV NY NY OK OK OR OR PA PA PR PR RI RI SC SC SD SD TN TN TX TX UT UT VA VA VT VT WI WI WV WV WY WY MN MO FL WA IL OH ND 28G

• Read more about HS 376 Legal and Financial Issues for Special Needs Families

This course covers unique legal techniques and tools that apply to special needs planning. Of particular importance are third-party funded special needs trusts created as part of an estate plan, wills, powers-of-attorney, guardianships, ABLE accounts, and self-settled special needs trusts established under federal and state law. The applicable issues surrounding Social Security and Medicaid are covered. In addition, special income tax topics enable financial advisors to understand and identify tax deductions and/or credits that may be available to families with special needs children and adults. It addresses some unique aspects of the medical expense deduction, the child and dependent care credit, the adoption credit, and the dependency exemption rules define a dependent for families of individuals with special needs. The student will examine some potential alternative minimum tax traps that may affect some of these families. This course builds upon Introduction to Disability (HS 375) by providing the detailed legal and financial considerations crucial to the special needs environment. 000270 ChSNC^® Single Course 2 1.00 Special Needs Planning Professional Designations & Certifications Advanced Career Professional Mid Career Professional Yes Yes 0002701 AL AL AR AR AZ AZ DE DE GA GA HI HI IA IA KS KS KY KY MD MD ME ME MI MI MN MN MO MO MT MT NC NC NE NE NH NH NJ NJ NM NM NV NV NY NY OR OR PA PA RI RI SC SC SD SD TN TN UT UT WV WV CA CO CT ID IN LA MA MS PR TX VA VT WI WY FL WA IL OH ND 10G

• Read more about HS 375 Introduction to Disability and Lifetime Planning

This course introduces students to the field of disability and provides an orientation to working with individuals with disabilities and their families. Coursework covers special education basics, relevant disability legislation, disability etiquette, collaboration with families, and lifetime planning. Topics addressed in HS375 include the various categories of disabilities (e.g., intellectual disabilities, autism spectrum disorders, and intellectual disabilities) as well as lifetime planning considerations, such as: employment, housing, state waivers, social security benefits, and more. Required course for the ChSNC designation program, this is an introductory course and can be used as an elective in other programs. This introductory course equips advisors with the foundational tools necessary to be successful in HS376 and HS377. 000269 ChSNC^® Single Course 1 1.00 Special Needs Planning Professional Designations & Certifications Advanced Career Professional Mid Career Professional Yes Yes 0002691 AL AL AR AR AZ AZ CA CA CO CO DE DE GA GA HI HI IA IA IN IN KS KS LA LA MD MD ME ME MN MN MO MO NE NE NH NH NJ NJ NM NM NV NV NY NY OK OK OR OR PR PR RI RI SC SC SD SD TN TN TX UT UT WI WI WY WY MS VA FL IL ND 10G

• Read more about HS 347 Contemporary Applications in Financial Planning

This course examines the unique challenges associated with estate planning; special needs; divorce; business succession; behavioral finance; financial plan development; and retirement planning. Up-to-date content and compelling case studies provide students with a complex yet comprehensive understanding of financial planning in these important areas. 000335 ChFC^® Single Course 10 2.00 Financial Planning Professional Designations & Certifications Early Career Professional Mid Career Professional Yes Yes 0003351 AL AR AR AZ AZ CA CA CO CO CT CT DE DE GA GA HI HI IA IA IN IN KS KS KY KY LA LA MA MA ME ME MI MN MN MO MO MS MT MT NC NC NE NE NH NH NJ NJ NM NM NV NV NY NY OR PA PA PR PR RI RI SC SC SD SD TN TN UT UT VT VT WI WI WV WV WY WY ID MD TX FL WA IL OH ND 15G

• Read more about HS 311 Fundamentals of Insurance Planning

This course focuses on the role of planning for risk management needs. The topics covered in this course include fundamental principles and characteristics of risk management, credit risk and protection, and the concepts and applications of health insurance, life insurance, disability and long-term care insurance, annuities, property, liability insurance, and social insurance (Social Security).

Learning Objectives
Upon completion of this course, the student will be able to:

• Demonstrate an understanding of the basic concepts and principles of risk management
  
• Compare and contrast the different health insurance options available to clients in the individual and group marketplaces
  
• Differentiate among the various types of life insurance, including term and permanent insurance
  
• Discuss principles of disability income insurance and its place in insurance planning
  
• Discuss the principles of long-term care insurance and its place in insurance planning
  
• Demonstrate an understanding of the different types and proper use of annuities in insurance planning
  
• Identify the sources and uses of homeowners, property, and liability insurance for both personal and business uses
  
• Identify the sources of identity theft, review a consumers credit report, and utilize debt management techniques
  
• Demonstrate an understanding of social insurance programs such as the Social Security benefits system

000068 CFP^® ChFC^® CLU^® FSCP^® Single Course 6 1.00 Financial Planning Insurance and Risk Management Practice Management Professional Designations & Certifications Early Career Professional Mid Career Professional Yes Yes 0000681 AL AL AR AR CO CO DE DE GA GA HI HI KS KS KY KY LA LA ME ME MS MS MS NC NC NE NE NH NH NJ NJ NV NV NY NY OK OK SC SC TN TN UT UT AZ CA CT IA ID IN MA MD MI MN MO MT NM OR PA PR RI SD TX VA VT WI WV WY FL IL OH ND WA 28G

• Read more about HS 300 Fundamentals of Financial Planning

This course provides an overview of the financial planning process, including communication techniques, behavioral finance, financial planning approaches and applications, financial statement preparation and analysis, time value of money concepts and applications, education planning and funding, economics and the external environment, and ethics and standards of conduct. Additionally, the course offers a deeper understanding of the role and responsibilities of a financial planner, along with some analytical skills to aid in the financial decision-making process.

Learning Objectives
Upon completion of this course, the student will be able to:

• Demonstrate an understanding of and apply the steps of the financial planning process
  
• Differentiate between various communication techniques used by advisors and understand how behavioral finance concepts can be used to improve client-advisor communications
  
• Utilize the various financial planning approaches to quantify goals and provide actionable recommendations
  
• Review personal financial statements, calculate financial ratios, and perform financial statement analysis
  
• Build a foundation in quantitative techniques needed to calculate the present value and future value amounts, and solve for other relevant financial variables
  
• Apply education planning and funding techniques to help clients achieve their goals
  
• Build a foundation in basic economic concepts and understand how external factors may impact the financial planning process
  
• Review and apply the ethics of personal financial planning within CFP Board, American College, and SEC frameworks

000066 CFP^® ChFC^® CLU^® FSCP^® Single Course 6 1.00 Financial Planning Insurance and Risk Management Practice Management Professional Designations & Certifications Early Career Professional Mid Career Professional Yes Yes 0000661 AL AL AR AR CO CO DE DE GA GA HI HI KS KS KY KY LA LA ME ME NC NC NE NE NH NH NJ NJ NV NV NY NY OK OK PR PR SC SC TN TN UT UT AZ CA CT IA ID IN MA MD MI MN MO MS MT NM OR PA RI SD TX VA VT WI WV WY FL WA IL OH ND 28G

• Read more about HS 330 Fundamentals of Estate Planning

This course covers various aspects of estate and gift tax planning, including the probate process, an overview of basic estate planning documents, types of property interests, transfer strategies during life and at death, the use of trusts, generation-skipping transfers, charitable giving, the use of life insurance in estate planning, special elections, and other post-mortem planning strategies.

Learning Objectives
Upon completion of this course, the student will be able to:

• Identify the steps in the estate planning and probate processes
  
• Identify and describe the basic estate planning documents along with the advantages and limitations of each
  
• Compare and contrast the most common types of property titling along with the advantages and limitations of each
  
• Understand and apply the fundaments of the gift tax system and respective planning strategies
  
• Identify and classify different trust arrangements and explain the advantages and limitations of each
  
• Compare and contrast advanced strategies that can be used either during the life or upon death of the client
  
• Understand and apply the fundamentals of the generation-skipping transfer tax system and respective planning strategies
  
• Compare and contrast advanced charitable planning strategies along with the advantages and limitations of each
  
• Understand and apply the fundamentals of the estate tax and respective planning strategies, and explain the benefits of the unlimited marital deduction
  
• Demonstrate the advantages of using life insurance in estate planning and explain the benefits of various post-mortem planning strategies

000024 CFP^® ChFC^® CLU^® Single Course 3 1.00 Financial Planning Insurance and Risk Management Professional Designations & Certifications Early Career Professional Mid Career Professional Yes Yes 0000241 AL AL AR AR CA CA CO CO DE DE GA GA HI HI KS KS KY KY LA LA MA MA ME ME NC NC NE NE NH NH NJ NJ NV NV NY NY OK OK PA PA PR PR SC SC TN TN UT UT AZ CT IA ID IN MD MI MN MO MS MT NM OR RI SD TX VA VT WI WV WY FL IL OH ND WA 28G

• Read more about HS 328 Investments

In this course, students learn about the principles of investments and their application to financial planning. The topics covered in this course include an overview of securities laws and market structure, asset classifications, the taxation of investments, risk and return, portfolio theory, investment decisions and attributions analysis, market efficiency and behavioral finance, fixed income security analysis, equity security analysis and valuation, alternative investments, investment companies, and derivative securities.

Learning Objectives
Upon completion of this course, the student will be able to:

• Understand the institutional framework surrounding investments, categorize investments by asset class, and evaluate the impact of taxation
  
• Measure investment returns using various methodologies and quantify risk within a statistical framework
  
• Apply the modern portfolio theory framework to the task of assembling portfolios and evaluating their performance
  
• Evaluate portfolio performance using attribution and ratio analysis, and identify cognitive and emotional biases exhibited by investors along with their consequences
  
• Understand how fixed income securities function and explain their role in structuring a well-diversified investment portfolio
  
• Compare and contrast the various types of equity securities and the different ways to invest in these securities
  
• Evaluate the factors that can affect the performance expectations of equity securities
  
• Identify the features of valuing securities using absolute and relative valuation models, and identify different types of alternative investments, including the risks and benefits associated with this asset class
  
• Identify the features of investment companies and evaluate fund selection techniques
  
• Compare and contrast the features of derivative securities including forwards, futures, and options contracts

000023 CFP^® ChFC^® CLU^® Single Course 9 1.00 Financial Planning Insurance and Risk Management Professional Designations & Certifications Early Career Professional Mid Career Professional Yes Yes 0000231 AL AL AR AR CA CA DE DE GA GA HI HI KS KS KY KY LA LA MA MA ME ME NC NC NC NE NE NJ NJ NY NY SC SC TN TN UT UT AZ CT IA ID IN MD MI MN MS MT NH NM OK OR PA PR RI SD VT WI WV WY FL IL OH ND 28G

• Read more about HS 326 Planning for Retirement Needs

This course focuses on helping businesses and individuals plan for retirement. The topics covered in this course include asset accumulation and distribution planning, qualified pension plans, qualified plan setup, administration, and termination, profit sharing plans, stock bonus and employee stock ownership plans, IRAs, SEPS, SIMPLEs, 403(b) and 457 plans, deferred compensation and nonqualified plans, Social Security benefits, and employee benefits.

Learning Objectives
Upon completion of this course, the student will be able to:

• Analyze the factors affecting retirement planning, such as determining the remaining work life expectancy, retirement life expectancy, annual savings needed, and understanding investment considerations
  
• Understand the fundamental principles of qualified plans
  
• Compare and contrast the various types of qualified pension plans and determine which is the most appropriate given the needs and goals of an employer
  
• Compare and contrast profit sharing plans, stock bonus plans, and ESOPs along with the advantages and limitations of each
  
• Understand the tax treatment of distributions from qualified plans
  
• Describe the steps involved to install a qualified plan, requirements needed to administer a plan, and what events would call for the termination of a plan
  
• Discuss the advantages, limitations, and taxation of IRAs and SEPs
  
• Compare and contrast SIMPLE, 403(b), and 457 retirement plans along with the advantages and limitations of each
  
• Discuss the taxation of nonqualified plans and compare and contrast Social Security claiming strategies given the impact of taxation and other limitations that may apply
  
• Compare and contrast employee fringe and group benefits along with the advantages and limitations of each

000020 CFP^® ChFC^® CLU^® Single Course 8 1.00 Financial Planning Insurance and Risk Management Professional Designations & Certifications Early Career Professional Mid Career Professional Yes Yes 0000201 AL AL AR AR CA CA CO CO DE DE GA GA HI HI KS KS KY KY LA LA MA MA ME ME NC NC NE NE NH NH NJ NJ NV NV NY NY PA PA PR PR SC SC TN TN UT UT AZ CT IA ID IN MD MI MN MO MS MT NM OR RI SD TX VA VT WI WV WY FL IL OH ND WA 28G