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Curriculum costs will increase for each course the student wants physically shipped to them and for any supplementary study materials they select. It’s that the education Tasha received made her a better financial advisor, capable of not merely assisting a client on a financial concern but serving as the center of their financial lives. They must also adhere to a code of professional ethics that places the client’s interests above their own. It’s empowering. You may file a complaint in writing to: The Registrar; The American College; 270 S. Bryn Mawr Ave; Bryn Mawr, PA, 19010 or by emailing Registrar@TheAmericanCollege.edu. He is also an avid KU basketball fan and model train enthusiast, and is now taking classes to learn how to trade stocks and derivatives effectively. The American College states that CLUs earn about one-third more than their non-credentialed colleagues. As a foundational designation in both the life insurance and financial services fields, the CLU® gives you the skills to advise clients on the full range of life insurance products and strategies. “Especially as a woman in the financial industry,” she says. select CFP coursework may transfer over). The College has a full-time faculty of industry experts and is the leading educator of financial professionals in the United States. After 15 years of working as a financial advisor, Tasha thoroughly loves what she does. The American College, an accredited non-profit educational institution with an 84-year heritage, confers the CLU®. Instead of paying for each course up front, professional students may enroll in a 3 year track and pay $135 on a monthly basis. Alternatively, the American College offers a “monthly pay” arrangement. The CLU® will significantly boost your skills and amplify your earning potential. He has written numerous articles for several financial websites such as Investopedia and Bankaholic, and is one of the featured authors for the Money and Personal Finance section of eHow. No additional fees or hidden costs. “The American College has the best content that's most relevant to what we do with our clients every day,” she says. Note: The American College is providing this information as a public service. For more information on Chartered Life Underwriters and how to become one, visit the CLU section of the American College website.window.googletag = window.googletag || {cmd: []}; We may have financial relationships with some of the companies mentioned on this website. Plus, with your existing, certification, you only need to complete three courses to earn the CLU®. But a happy accident, for sure. Start offering clients the life insurance expertise they need. By earning the CLU… In that sense, it may be somewhat easier to achieve than its counterpart. The Chartered Life Underwriter (CLU) designation is the oldest financial credential in existence. To earn the CLU ®, you must complete five foundational courses and three specialized courses of your choice. Life insurance is a vital part of any financial plan—and it is essential for high net worth clients and business owners. How does a career in sports management become a career in financial services? The Chartered Life Underwriter. And as of July 2, 2020, you will receive pre-recorded webinars for required courses HS 323, HS 324, and HS 331 at no additional cost. If you’re early in your career, the eight-course program is the launching pad you need. googletag.enableServices(); The CLU certification … The Chartered Life Underwriter (CLU ®) certification provides the education needed to differentiate your practice in complex wealth transfer and estate planning.It’s considered an elite certification and is widely respected in the financial services industry. In his spare time, Mark enjoys surfing the net, cooking, movies and tv, church activities and playing ultimate frisbee with friends. “I always encourage my younger peers who are getting into the industry to pursue a designation.”Even if they entered the field by accident. Over 94,000 agents carry this designation for every major insurance carrier in the U.S. Any life insurance agent, broker, or wholesaler who decides to make a career out of selling life products should seriously consider becoming a CLU. In particular, earning The College’s prestigious Chartered Life Underwriter® (CLU®) designation has helped her get ahead. © 2020 Money Crashers, LLC. Benefits include digital textbooks, weekly webinars available live or on-demand, rich media lesson reviews, discussion forums, and expanded instructor support — all included in your tuition. If you already hold ChFC ® or CFP ® certification, the CLU … It represents a thorough understanding of a broad array of … MoneyCrashers.com does not include all banks, credit card companies or all available credit card offers, although best efforts are made to include a comprehensive list of offers regardless of compensation. The American College for Financial Planning in Bryn Mawr, Pennsylvania created it specifically for life insurance agents in 1927, and it’s been carried by insurance professionals ever since. By accident, according to Tasha Williams. He is now a full-time financial author when he is not on rotation doing financial planning for the military. It’s more than comprehensive. ** Indicates courses available under the Personal Pathway™ learning model as of July 2, 2020, HS 311 Fundamentals of Insurance Planning*, HS 331 Planning for the Business Owner and Professional, HS 300 Financial Planning: Process and Environment*, HS 375 Introduction to Disabilities and Lifetime Planning, HS 376 Legal and Financial Issues for Special Needs Families. 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, 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, 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, Demonstrate an understanding of the fundamental principles and concepts of federal income taxation, Compare and contrast the taxation of income generated from personal and investment activities, Explain the taxation of income and expenses generated from employment and profit-motivated activities, Understand and apply the fundamentals of deductions against adjusted gross income with emphasis on itemized deductions, Identify different types of tax credits and compare and contrast tax credits with tax deductions, Demonstrate an understanding of how basis is determined for purposes of determining taxable gains and losses, and also explain the purpose of cost recovery through various depreciation methods, Identify the tax advantages that certain types of business assets receive when compared to assets used for nonbusiness purposes, Explain how provisions in the tax code allow for tax avoidance and tax deferral through certain property exchanges, Explain the complexities of the passive activity loss rules along with the purpose of the alternative minimum tax system, Compare and contrast the tax consequences of distributions from business entities, such as partnerships, S corporations, and C corporations, to their respective owners, 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, 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.

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