USF Financial Planner Certificate Program


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USF Financial Planner Certificate Program

  1. 1. CONTINUING EDUCATION USF Financial Planner Certificate Program USF’s noncredit For many Americans, the challenge of managing their personal finances is a daunting task. Financial Planner They lack the time, knowledge and resources to accumulate, conserve and transfer wealth, and Certificate Program achieve their financial objectives. Americans frequently turn to financial planners for assistance is registered with in achieving their financial goals. Certified Financial Planner Board of Financial planning is a highly competitive growth industry. Financial planners help clients Standards Inc. Students establish financial goals, design and implement comprehensive plans to achieve these goals, who successfully and periodically re-evaluate plans to adjust for changing needs and circumstances. Financial complete the program planners work in private practice, brokerages, accounting firms, insurance companies, are eligible to banks, employee benefit departments, and other sectors of the industry. Some sell financial apply to sit for the CFP® Certification products; others work on a “fee-for-service” basis. Practitioners help clients develop budgets, Examination. cash management plans, and investment and tax strategies; design retirement and education plans; determine insurance needs; and provide numerous additional services. To obtain CFP Board’s Guide to The CERTIFIED FINANCIAL PLANNER™ Certification CFP® Certification or request The CFP® certification has become the most widely recognized financial planning information, call 303-830-7500 or certification. USF does not certify individuals to use the CFP®, Certified finanCial Planner™, write to: and CFP (with flame logo)® certification marks. CFP® certification is granted only by the Certified Financial Planner Certified Financial Planner Board of Standards Inc., to those persons who, in addition to Board of Standards, Inc. 1670 Broadway, Ste. 600 completing an education requirement such as this CFP Board-Recognized Program, have Denver, CO 80202 met its ethics, experience, and examination requirements. To earn the CFP® certification, Web site: you must: Certified Financial Planner Board  Complete the education requirement of Standards owns the marks  Pass the two-day CFP® Certification Examination CFP®, Certified finanCial Planner™, and CFP (with flame logo)®,  Satisfy a work experience requirement in the personal financial services industry which it awards to individuals (This may be satisfied before or after passing the CFP® Certification Examination who successfully complete but must be completed within ten years prior to or within five years after passing.) initial and ongoing certification  Agree to abide by CFP Board’s Code of Ethics, Professional Responsibility and requirements. Financial Planning Practice Standards  Have a college degree Call 813-974-4985 or e-mail for more information. Code 2095
  2. 2. The USF Financial Planner Certificate Program Income Tax Planning USF’s 21-month, 285-hour noncredit Financial Planner Certificate Provides a comprehensive coverage of federal income taxation and supplies Program is a comprehensive CFP Board Registered Program taught by participants with information and techniques critical for effective tax prominent professionals. The program trains the core financial planning planning. Topics include: ethical issues, tax law research, terminology, tax competencies identified by CFP Board at the prescribed cognitive levels. computations and concepts, hazards, and penalties. Introduces methods of The program is designed to: gathering client information, reviewing clients’ past returns, and minimizing  Qualify and prepare you for the CFP® Certification Examination tax payments legally. Covers tax management techniques, tax implications of divorce, employee benefits and investment, financial planning strategies,  Develop the knowledge and skills needed to provide business structures, sale of personal residence, and passive activity loss comprehensive financial planning services and advice rules. (36 hrs./3.6 CEUs) The Certificate Program consists of six core modules, a comprehensive review for each module, and a final exam review. Module descriptions Investment Planning are provided in this brochure. The program begins in March and Develops skills to effectively evaluate various investment vehicles in October of every year. accordance with client investment objectives. Topics include: regulation of Core modules are graded. Students must complete each of the six markets, investment vehicles, investment theory, real estate investment, core modules with a passing score to earn the USF Financial Planner international investment, analysis of risk and return, financial markets, and certificate and to qualify to sit for the CFP® Certification Examination. modern portfolio theory. Prepares students to work with clients to structure To complete a module successfully, you must have an 80% in course an investment portfolio reflecting the client’s life circumstances and attendance and a 70% in course work. You must complete the program objectives. (36 hrs./3.6 CEUs) in a three-year period. Retirement Planning Attend a Free Orientation Session and Employee Benefits USF Continuing Education offers free orientations to discuss the Provides a comprehensive study of personal and employer-sponsored components of our Financial Planner Certificate Program and the retirement plans and familiarizes students with methods of gathering requirements to sit for the CFP® Certification Examination. Call information and selecting appropriate options to achieve client retirement 813-974-2403, option 1, or visit our web site at www.conted.usf. goals. Topics include: ethical issues in retirement planning and employee edu/finance for the latest schedule. benefits, IRAs, the role of Social Security and Medicare Benefits, tax-sheltered annuities, qualified retirement plans, distributions and distribution options, taxation of benefits, group insurance, and factor analysis. (36 hrs./3.6 CEUs) Estate Planning Module Descriptions Provides an overview of estate planning and knowledge of the various Fundamentals of Financial Planning methods, tools and techniques necessary to develop effective estate plans. Topics include: federal and estate gift taxation, gift and estate planning Comprehensive overview of financial planning fundamentals. Topics include: techniques, trusts, life insurance as an estate planning tool, intra-family financial planning functions; the legal and economic environment; methods business and property transfers, charitable transfers, planning for incapacity, of gathering client data; time value of money; ethical and professional and divorce planning. Also covers wills, trusts, powers of attorney and considerations; financial analysis; and understanding, implementing, probate. (36 hrs./3.6 CEUs) monitoring and reviewing a comprehensive financial plan. Students develop proficiency using the Hewlett Packard 12C Financial Calculator. Participants Comprehensive and Final Exam Reviews gain experience constructing personal financial statements, understanding business structures for clients, budgeting, and dealing with regulatory Thorough, timely review and application of all material covered in the six requirements. (33 hrs./3.3 CEUs) core courses through complex, broadly based case studies and practical application of critical knowledge, skills and concepts to develop sound Insurance Planning financial plans and advice in preparation for the CFP® Certification Examination. Prepares students to analyze complex situations, practice Familiarizes students with the principles of insurance and provides the application at the evaluation level of cognitive ability, update their knowledge background, skills and technical ability to analyze and evaluate aspects of regarding new legislation or regulations affecting the financial planning field, risk and exposure. Topics include: identifying risk exposures, legal aspects of and develop sound plans in response to realistic situations. (75 hrs./7.5 CEUs) insurance, property and liability policy analysis, employee benefits and social insurance. Prepares students to work effectively with clients by teaching Events, activities, programs and facilities of the University of South Florida are available methods of gathering client information, identifying risk exposure, and to all without regard to race, color, marital status, sex, religion, national origin, disability, selecting the best option to protect clients against loss. Provides practical age, Vietnam or disabled veteran status as provided by law and in accordance with the knowledge of the types of life insurance policies; life insurance needs University’s respect for personal dignity. Persons with a documented disability requesting reasonable accommodations should contact the ADA Coordinator at 813-974-2403 at least analysis; medical, disability and casualty insurance; and Social Security ten working days in advance of the event. Persons with speech or hearing impairments benefits. (33 hrs./3.3 CEUs) should call 800-955-8770 (voice) or 800-955-8771 (TDD).
  3. 3. Program Information Application for Admission Payment To enroll in the USF Financial Planner Certificate Program, you must Application and program fees may be paid by Visa, MasterCard, American first apply and be admitted to the program. A college degree is required. Express, Discover Card, or company-approved purchase order. A To apply, complete both sides of the attached Financial Planner Program nonrefundable fee of $100 must be paid with application. Our office will Application and send or fax it to the address/fax number listed below. A $100 contact you after the application has been reviewed. If you are accepted into nonrefundable application fee** (see payment methods in next column) the program, you may register by paying the program fees in full or by electing must accompany this form. Submit your application at least two weeks prior our no-interest deferred payment plan. The payment plan requires an initial to the course start date to ensure adequate time for processing. payment of $2,495; the remaining balance is paid in two installments of Continuing Education - Registration Services $750. Payment for parking fees may also be made by installments. University of South Florida Discounts 4202 E. Fowler Avenue, NEC116 When three or more individuals from the same company register simultane- Tampa, FL 33620-6758 ously, each individual receives a 5% discount on the program fee. There is FAX: 813-974-5732 a 10% discount for four or more simultaneous registrations from the same Registration company. Discounts will be honored once all simultaneous registrants from If you are admitted to the program, you will receive a formal letter of the same company complete the program. If a company pays the program fee, acceptance (usually within two weeks) containing an invoice for the course the discount amount will be refunded to the company once all simultaneous fee. The $3,995 course fee or an initial $2,495 payment must be submitted registrants from that company complete the program. prior to the program start date to complete the registration process. Refund/Cancellation Fees The application fee is nonrefundable if you are accepted for the program. Application Fee: $100 No refunds or transfers after program start date. Requests for Program Fee: ** $3,995* withdrawals, refunds, or transfers must be in writing. If you withdraw more Parking: $300 than five days prior to the program start date, you will receive a refund of Estimated Materials Cost: $950 the registration fee. The parking permit fee will be refunded if the permit Estimated Total: $5,345 is returned. If you withdraw one to five days prior to the program start *The CFP® Certification Examination (approximately $600) is not date, you will be charged an administrative fee of $200 and refunded the included. Supplemental instructional costs may be incurred as needed remainder of the registration fee. USF reserves the right to cancel any throughout the program. program, in which case a full refund of fees is automatic. Allow 5-7 working **Please register early. An additional $100 late application fee and a $400 late days for credit card refunds, 6-8 weeks for check refunds. See complete registration fee are effective Friday, Feb. 12, 2010. information and policies at Schedule Attendance, Homework and Tests The 21-month USF Financial Planner Certificate program begins in March The Financial Planner Certificate Program is academically challenging. You and October of each year. The scheduled classes meet on weekday evenings, must commit to attending classes regularly, completing homework and 6:30-9:30 p.m. and on occasional Saturdays 9 a.m.-12 p.m. If classes are preparing for tests/quizzes. To complete a module successfully, you must rescheduled to accommodate emergencies or instructor availability, make- have an 80% in course attendance and a 70% in course work. You must up classes will meet on Saturday mornings. complete the program in a three-year period. Breaks are scheduled in conjunction with major holidays and school Attendance is critical. If you need to make up a class meeting within a vacations. module to meet the attendance requirement, you may do so for a re-sitting Our programs are scheduled to allow you to complete the program and sit fee of $45. If you need to retake an entire module, you may do so, on a for the next CFP® Certification Examination. space available basis, the next time the module is offered for a retake fee of $75. A transfer fee of $25 per module also applies. For a detailed schedule, visit our web site at Homework assignments/projects are given for each program module. We Continuing Education Credits anticipate a minimum of 8-12 hrs. of homework to prepare for each class Certain modules are approved for professional CEUs in Insurance and CPA meeting. We encourage students to form study groups outside of class. Time licensure. CEU availability will be announced at the beginning of the module. required for class preparation will vary depending on the specific module content and the extent of your individual background and experience. When registering with USF Continuing Education, Final exams are given for each program module. If you do not pass a you agree to our registration policies for module’s final exam, you have one opportunity to take a make-up exam withdrawals, refunds, transfers and stated fees. in the Continuing Education office for a fee of $75. If you do not pass the For complete information and policies, visit make-up exam, you must retake the specific program module for the retake fee of $75.
  4. 4. USF Financial Planner Program Application Registered with the CFP Board Personal Information Name_______________________________________________________________________________________________________ Address _____________________________________________________________________________________________________ City ____________________________________________________ State ____________________ Zip _________________________ Email Address _________________________________________________________________________________________________ Phone (Day) ___________________ (Evening) ___________________ (Fax) _______________________________________________ Last four digits of your Social Security # ___________________________ Date of Birth___________________________________________ Employment Employer/Business Name _________________________________________________________________________________________ Business Address _______________________________________________________________________________________________ Position _____________________________________________________________________________________________________ Education (Mandatory: A college degree is required.) College/University Location Major Degree Dates ________________________ ________________________ __________________ ________________ _____________ ________________________ ________________________ __________________ ________________ _____________ ________________________ ________________________ __________________ ________________ _____________ Professional Designations _____________________________________ Licenses/Registrations ________________________________ Referral Source (please specify how you heard about this program)  Newspaper Ad  Brochure  Colleague  Professional Assoc.  CFP Board  Word of Mouth  Employer Other (Specify) ________________________________________________________________________________________________ Method of Payment ($100* nonrefundable application fee must accompany this form.)  Visa  Mastercard  American Express  Discover Card  Company-Approved Purchase Order The program fee of $3,995 and/or parking Make purchase orders payable to University of South Florida. Checks or cash are not accepted. fees may be paid in full or you may arrange an extended payment plan. Call for details.  P enclosed in the amount of $100.  Please charge my credit card in the amount of $100. .O. Credit Card # _____________________________________________________________________ Expiration Date _________________ Print Name as it appears on credit card ____________________________________________________ Signature ________________________________________________________________________ Date ________________________ Do you need accommodation of a disability?  No  Yes, Accommodation required: _______________________________________________ Do you need a parking permit?  No  Yes Note: USF policy requires parking permits for all vehicles parked on campus. USF staff/students should use their own permits. *An additional $100 late application fee and a $400 late registration fee are effective Friday, February 12, 2010. Mail to: Continuing Education - Registration Services Please note: Telephone and online registration University of South Florida are not available for this program. 4202 E. Fowler Ave., NEC116 Tampa, FL 33620-6758 Fax to: 813-974-5732 with credit card information (Please follow up your fax application by mailing the original form to the address above.) Please answer the questions on the reverse; they will be used to evaluate your application. Office Use Only: Program#__________________ Code 2095 Receipt #: __________ Date:________ Fee paid by _______________________
  5. 5. USF Financial Planner Program Application Please list your objectives in taking the USF Financial Planner Certificate Program: ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ Briefly describe your experience and educational background in financial planning, financial services, investments, accounting, economics, insurance, law, retirement planning, banking, benefits, psychology, or individual counseling: ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________ Instructors A. Perry Hubbs, II, MBA, Indiana University, is a CFP® professional with expertise in asset allocation, estate and pension planning. He is past president of the Tampa Bay Society of Certified Financial Planners. He has been selected as one of the Top Financial Planners of 2009 by Consumers Research Council of America. Joseph Lopez, BA, CPA, CFP® Registered Representative, is with Lopez and Lopez, PA. Bret Smith, BA, CLU, ChFC, CFP®, USF, is a Registered Principal. He is owner and manager of the West Coast Financial Group, a life insurance and retirement planning agency. Kumar Amar, MD, CFP®, maintained a private internal medicine practice for 23 years and then transitioned into financial planning.
  6. 6. CONTINUING EDUCATION USF Financial Planner Certificate Program CFP Board-Recognized Program Qualify for the CFP® Certification Examination Visit our web site at Certified Financial Planner Board of Standards owns the marks CFP®, Certified finanCial Planner™, and CFP (with flame logo)®, which it awards to individuals who successfully complete initial and ongoing certification requirements. Additional Programs Offered: Bookkeeping • CIA® Exam Prep • CMA® Exam Prep • HR Management • PHR/SPHR Business Communication • Marketing and Public Relations • Nonprofit Management Management and Supervision • Meeting and Event Planning • Project Management Foreign Languages • English Language Skills for Non-Native Speakers Microsoft Office • Web Design and Development • Desktop Publishing and Graphics Professional and Workforce Development Continuing Education University of South Florida 4202 East Fowler Avenue, NEC116 Tampa, FL 33620-6758 USF Financial Planner Certificate Program Qualify to sit for the CFP® Certification Examination Registered with CFP Board