My Designations
Chartered Life Underwriter (CLU®)
Since 1927, the CLU® has been the respected risk management credential for advisors. Designees
have completed eight or more college-level courses representing an average study time of 400 hours. Topics
for required courses include insurance and financial planning, life insurance law, estate planning, and
planning for business owners and professionals. Elective courses include such advanced topics as income
taxes, group benefits, retirement planning, and health insurance. CLU® designees must meet experience
and continuing education requirements and must adhere to a high ethical standard. The mark is awarded by The
American College, a non-profit educator with the top level of academic accreditation.
Chartered Financial Consultant (ChFC®)
The ChFC® designation has been a mark of excellence for almost thirty years and currently
requires nine college-level courses, the most of any financial planning credential. Average study time to
earn the ChFC®exceeds 450 hours. Required courses cover extensive education and application training in
financial planning, income taxation, investments, and estate and retirement planning. Additional electives
are chosen from such topics as macroeconomics, financial decisions for retirement, and executive
compensation. ChFC® designees must meet experience requirements and adhere to continuing
education and ethical standards. The credential is awarded by The American College, a non-profit educator
founded in 1927 and the highest level of academic accreditation.
Masters of Science in Financial Services (MSFS)
The MSFS degree gives graduates the skills and confidence to implement complex financial strategies. The
training required to obtain the MSFS provides students with tools to analyze, plan and implement integrated
financial and life strategies, which in turn helps improve planning and strategies for their clients.
Accredited Estate Planner (AEP®)
The AEP® designation is a graduate-level specialization in estate planning, obtained in addition to
already recognized professional credentials within the various disciplines of estate planning who support
the team concept of estate planning. It is awarded to estate planning professionals who meet stringent
requirements of experience, knowledge, education, professional reputation, and character.
Chartered Advisor for Senior Living (CASL®)
The CASL® credential provides advisors with in-depth training on issues impacting seniors and
those planning for retirement. The designation incorporates five required, college-level courses that
represent an average total study time of more than 250 hours. Topics include investments, estate planning,
health and long-term care financing, and financial decisions for retirement. CASL® designees
must meet experience, continuing education and ethics requirements. The credential is awarded by The
American College, a non-profit educator founded in 1927 and the top level of academic accreditation.
Chartered Advisor in Philanthropy (CAP®)
The advisor earning the CAP® designation has taken three graduate school courses in
philanthropy including planning for impact in the context of family wealth, charitable strategies, and gift
planning in a nonprofit context. The courses are offered through the Irwin Graduate School of The American
College, a non-profit educator founded in 1927 and the highest level of academic accreditation.
CAP® advisors must meet experience, ethics, and continuing education requirements to use the
credential.
Retirement Income Certified Professional (RICP®)
The RICP® designation teaches advisers techniques and best practices used to create
sustainable streams of retirement income. The education covers retirement income planning, maximizing Social
Security and other income sources, minimizing risks to the plan, and managing portfolios during the asset
distribution phase. The designation includes three required, college-level courses that represent a total
average study time of more than 150 hours. RICP® designees must meet experience, continuing
education and ethics requirements. The credential is awarded by The American College, a non-profit educator
founded in 1927 and the highest form of academic accreditation.
The Chartered Special Needs Consultant (ChSNC®)
The ChSNC® designees are equipped with the specialized skills needed to help parents and caregivers plan for the future with honesty, ethics and compassion. A ChSNC® can navigate the unique considerations, estate planning, special needs trusts, life insurance, tax deductions, healthcare issues, Medicaid complexities, and the emotional aspects of providing for a loved one with a disability. That robust planning foundation is expanded through the specialized content of three courses that narrow and sharpen their focus on the needs of people with disabilities and other special needs
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