What is a Chartered Financial Consultant (ChFC)?

Educated:  Complete a comprehensive curriculum in financial planning
Qualified:  Pass a series of written examinations
Experienced:  Meet specific experience requirements
Ethical:  Maintain ethical standards

A ChFC is an educated, experienced and qualified specialist committed to the financial well being of your family, your business and yourself.  A ChFC can provide expert advice on a broad range of financial planning topics.  With the help and knowledge of a ChFC you can:

Create a sound financial plan:

• Achieve your financial goals
• Analyze your overall financial situation
• Identify your life and health insurance needs
• Identify your personal property and liability risks

Minimize your income taxes:

• Review your current income tax situation
• Develop strategies to minimize and defer your income taxes

Increase your nest egg for retirement

• Prepare a retirement plan that will meet your needs
• Select the best tax-advantaged retirement plan

Maximize your investments:

• Achieve your short-term and long-term financial goals
• Identify appropriate investment opportunities
• Design a portfolio that will accommodate your personal objectives and level of risk tolerance

Enhance the value of your estate:

• Provide for your financial security during retirement
• Enhance your family's security through the accumulation of an estate
• Conserve your existing assets

You and your family deserve the best possible financial planning advice.  A Chartered Financial Consultant (ChFC) is qualified professional who can provide comprehensive financial planning for your financial security.

A ChFC…

Pledges to place your interests above all else when helping to establish financial goals and implement a financial plan

Pledges to follow the latest industry developments and legislative challenges to help you chart a steady course of financial security

Pledges to adhere to a strict code of ethics

Is committed to providing you with superior service

Has successfully completed a comprehensive curriculum of college-level courses from The American College

Has a minimum of three years of qualifying professional experience

Is one of a select group within the financial services field to earn the ChFC designation

The ChFC curriculum is administered by The American College in Bryn Mawr, Pennsylvania.  The required course of study includes insurance and financial planning, income taxation, planning for retirement needs, investments, and estate planning, in addition to a selection of three electives.

The American College is accredited by the Commission on Higher Education of the Middle States Association of Colleges and Schools.  Founded in 1927, The American College is the nation's oldest and largest nontraditional institution for higher learning devoded exclusively to academic studies in life insurance and related financial services.

The pledge is signed by all ChFC designees…

"In all of 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.”