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A Chartered Financial Consultant or ChFC ® is a financial professional who meets the requirements established by The American College.

David Appleby , Bradenton, Sarasota, Financial ManegamentThese include completing a specified program of study, and meeting minimum experience requirements and specific ethical standards.

The ChFC designation has completed the most extensive educational program required for any financial services credential. Each ChFC has taken at least eight college-level courses on all aspects of financial planning from The American College.

Here are just a few of the many areas where a ChFC® can assist you:

• Creating a comprehensive financial approach
• Protecting your assets and managing risk with appropriate levels of insurance
• Managing taxes better for you and your business
• Helping you secure your retirement
• Building an investment approach to help you reach your goals
• Enhancing the value of your estate to take care of your loved ones

What are the requirements?

In order to obtain the ChFC ® designation, a number of requirements must be met. An applicant must:

Educational Requirements - Take nine college-level courses and pass an exam for each course. The average time it takes to attain the credential is 3 – 4 years.

The first six courses are the educational requirements for the CFP (Certified Financial Planner), additional 3 courses are required to attain the ChFC ®

Examination Requirements – Take nine separate exams in nine separate areas that relate to financial planning

Experience - Have at least three years of qualifying full-time work experience in financial planning or a related field

Back Ground Check and Ethics – A background check is completed on each ChFC ® candidate to review any past legal issues related to their financial professional actions and conduct. ChFC ® candidates must Once appointed, a ChFC® must meet continuing education requirements in order to maintain the certification.

Time to Attain Credential: 3 – 4 Years


A Certified Life Underwriter or CLU® is a financial professional who meets the requirements establish by The American College.

These include completing a specified program of study, and meeting minimum experience requirements and specific ethical standards.

The CLU is the premier credential in the insurance profession, representing eight or more comprehensive college level courses, covering all aspects of insurance planning, estate and retirement issues, taxation, business insurance, and risk management.

With the assistance of a Chartered Life Underwriter®, you can:

• Analyze your overall financial situation
• Determine the appropriate level of risk to assume
• Protect your family’s current and future financial needs
• Achieve financial security using a wide range
• of insurance and financial tools
• Better manage taxes for yourself, your business and your estate
• Plan for a secure retirement
• Safeguard your family business

What are the requirements?

In order to obtain the CLU ® designation, a number of requirements must be met. An applicant must:

Educational Requirements - Take nine college-level courses and pass an exam for each course. The average time it takes to attain the credential is 3 – 4 years.

The first six courses are the educational requirements for the CFP (Certified Financial Planner), an additional 3 courses are required to attain the CLU ®

Examination Requirements – Take a minimum of eight separate exams in eight separate areas that relate to finance and insurance

Experience - Have at least three years of qualifying full-time work experience in financial planning or a related field

Back Ground Check and Ethics – A background check is completed on each CLU ® candidate to review any past legal issues related to their financial professional actions and conduct. CLU ® candidates must

Once appointed, a CLU® must meet continuing education requirements in order to maintain the certification.

Time to Attain Credential: 3 – 4 Years


A Certified Senior Advisor (CSA®) is a professional who has completed a rigorous 20 part program proving his expertise in areas concerning the personal and financial issues of seniors.

The course is taught by a nationally recognized panel of experts in social work, law, medicine, gerontology, geriatrics, and financial planning.

Each Certified Senior Advisor must demonstrate an understanding of the following topics:

• Principles of aging
• Social aspects of aging
• Trends in aging
• Social Security & taxes
• Financial & estate planning
• Caregiving
• Health, nutrition & fitness
• Alzheimer’s & dementia
• Chronic illnesses in seniors
• Tax planning
• Medicaid planning
• Ethical marketing to seniors
• Business ethics with seniors
• Senior housing & assisted living
• Long-term care
• Grief & loss
• Advance directives
• Senior spirituality
• Resources & networking
• Funeral planning

To remain in good standing a CSA must adhere to a Code of Professional Responsibility encompassing the following: Competence, Confidentiality, Professionalism, Fairness, Integrity, and Diligence.

Time to Attain Credential: 3 – 6 Months


A Certified Tax Specialist (CTS®) is a financial professional who meets the requirements established by the Institute of Business and Finance.

Well over two million people provide tax advice; less than 1% of them have earned the CTS™ designation. A Certified Tax Specialist™ (CTS™) is an educated, experienced and qualified professional committed to the well being of you, your family and your business. The CTS™ can provide basic and advanced guidance on a wide range of income and taxation topics.

The CTS™ designee’s mission is to gain a complete understanding of your goals and objectives. The CTS™ will help identify and develop the strategies, techniques and vehicles that best meet your needs. The process used by the CTS™ involves data gathering as well as advanced knowledge of income taxes and tax reduction strategies. The CTS™ is also able to aid you and your family in the areas of expensing, tax credits, income splitting, gifting, inheritances, a child’s income, deduction maximization and audit minimization.

With the help and knowledge of a CTS™, you can:

Calculate & Understand Income Tax Liability

• Filing Status and tax formula
• Personal and dependency exemptions
• Itemizing vs. standard deduction
• Limitations on deductions
• Estimated payments and electronic filing

Ways to Reduce Taxes

• Gross income and exclusions
• Business expenses
• Retirement plans
• Self-employed and employee expenses
• Medical costs
• Educational incentives
• Planning strategies

Credits and Special Taxes

• Child and dependent care
• Energy and automobiles
• Income of a minor
• Alternative minimum tax
• Depreciation

Capital Gains and Losses

• Holding periods and calculations
• Section 1231 property
• Depreciation recapture
• Installment and like-kind exchanges

What are the requirements?

In order to obtain the CTS ® designation, a number of requirements must be must. An applicant must:

Educational Requirements - CTS™ candidates must complete a comprehensive advanced program designed to educate the advisor on every aspect of income taxes.

Examination Requirements – Each advisor must pass a series of exams and a written case study.

Back Ground Check and Ethics – A background check is completed on each CTS ® candidate to review any past legal issues related to their financial professional actions and conduct. CTS ® candidates must Once appointed, a CTS® must meet continuing education requirements in order to maintain the certification.

Time to Attain Credential: 6 months - 1 Year


A Qualified Financial Planner or QFP® is a financial professional who has separated general financial planners from individuals who have met the standards of education, examination, experience, and ethics to become a credentialed “Financial Planner”.

Since there isn’t one designation that controls the use of the term Financial Planner there is much confusion that exists as who is a legitimate Financial Planner.

Many who claim to be a "Financial Planner" are not actually trained or educated in the discipline and methodology of Financial Planning. IAQFP (International Association of Qualified Financial Planners) has made available through their website the ability to confirm those who representing themselves as financial planners the ability to confirm that they have met the standards to do so, this will help the public in easily identifying those professionals who have distinguished themselves with the education and training in the discipline & profession of Financial Planning, from the more generalized field of financial services.

A QFP only recognizes certain specific designations as the meeting the qualifications for the designation. Less than one percent of all financial designations qualify a person to meet the criteria of IAQFP to call themselves a “QFP®.

Advisors must also pass an examination, and agree to adhere to a code of ethics. Thirty hours of continued education must be completed every 2 years.

What are the requirements?

In order to obtain the QFP ® designation, a number of requirements must be must. An applicant must:

Educational Requirements - Take nine college-level courses and pass an exam for each course. The average time it takes to attain the credential is 3 – 4 years. The first six courses are the educational requirements for the CFP (Certified Financial Planner), additional 3 courses are required to attain the QFP ®

Examination Requirements – Advisors must pass an examination

Experience - Have at least three years of qualifying full-time work experience in financial planning or a related field

Back Ground Check and Ethics – A background check is completed on each QFP ® candidate to review any past legal issues related to their financial professional actions and conduct.

Once appointed, a QFP® must meet continuing education requirements in order to maintain the certification.

Time to Attain Credential: Is earned based on previous credentials and education


A Chartered Advisor for Senior Living or CASL® is a financial professional who meets the requirements established by the American College.

These include completing a specified program of study, and meeting minimum experience requirements and specific ethical standards.

The CASL designee is a financial expert who has dedicated him or herself to helping their clients prepare for retirement. Having completed an advanced five-course academic curriculum and met the experience and ethics requirements as set forth by The American College.

What can a CASL ® do for you?

People are living longer than ever before. A CASL ® is educated to lead clients from middle age through retirement and assist them with the management, preservation and transfer of wealth which includes...

  • Savings for retirement
  • Structuring distributions
  • Planning for health and long-term needs
  • Developing effective estate planning strategies

What are the requirements?

In order to obtain the CASL ® designation, a number of requirements must be met. An applicant must:

Educational requirements - Recipients have completed an advanced five-course academic curriculum. The average time it takes to attain the credential is 2 – 3 years.

Examination Requirements - Take 5 college level courses that focus on financial planning for seniors and retirees.

Experience – Have at least three years of qualifying full-time work experience in financial planning or a related field.

Back Ground Check and Ethics – A background check is completed on each CASL ® candidate to review any past legal issues related to their financial professional actions and conduct. CASL® candidates must once appointed must meet continuing education requirements in order to maintain the certification.

Time to Attain Credential: 2 – 3 years


A Registered Financial Consultant (RFC®) is a professional who meet and document seven stringent requirements of education, experience, examination integrity, licensing, ethics and significant amount of continuing professional education.

What are the requirements?

Candidates must pass an examination, and must complete 40 hours of continuing education per year.

Time to Attain Credential: Is earned based on previous credentials and education

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