HS330
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The American College Certification Testing
The American College offers exams for candidates pursuing certification in the Financial Consulting and Insurance industries. Certifications include Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) programs.
The American College is a non-profit educational institution with the highest level of academic accreditation dedicated to leadership in innovative training and development for financial services professionals.
The College is distinguished by resources of the highest quality, innovation in program delivery and design and results that create sustainable advantages for our customers.
Serving as a valued business partner to banks, brokerage firms, insurance companies and others for 80 years, The American College has assembled a faculty of the foremost thought leaders in the industry to help companies and their employees succeed.
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Program Completion Requirements
To receive these designations (CLU®/ChFC®/RHU®/REBC®/CLF®), you must successfully complete all courses in your selected program, meet experience requirements and ethics standards, and agree to comply with The American College Code of Ethics and Procedures.
Experience
Three years of full-time business experience is required for all Huebner School designations. The three-year period must be within the five years preceding the date of the award. An undergraduate or graduate degree from an accredited educational institution qualifies as one year of business experience. Part-time qualifying business experience is credited toward the three-year requirement on an hourly basis, with 2,000 hours representing the equivalent of one year full-time experience. The following activities meet the required business experience qualifications included in the CLU®/ChFC®/RHU®/http://www.theamericancollege.edu/CLF® certification process.
Insurance and health care
Field underwriting and management, including sales and service activities, supervision and management of persons involved in sales or services, or staff support of persons in these activities.
Company management and operations in positions involving substantial responsibility.
Financial services and employee benefits
Client service and related management, including direct contact with clients, supervision and management of persons involved directly in the process of providing financial services or employee benefits, or staff support of persons in these activities.
Financial institution management and operations in positions involving substantial responsibility.
Other
University or college teaching of subjects related to the Huebner School curriculum on a full-time basis at an accredited institution of higher education.
Government regulatory service in a responsible administrative, supervisory, or operational capacity.
Activities directly or indirectly related to the protection, accumulation, conservation, or distribution of the economic value of human life; these include the work of actuaries, attorneys, CPAs, investment advisers, real estate investment advisers, stockbrokers, trust officers, or persons in other similar occupations.
Code of Ethics
To underscore the importance of ethics standards for Huebner School designations, the Board of Trustees adopted a Code of Ethics in 1984. Embodied in the Code are the Professional Pledge and eight Canons.
The Professional Pledge
“In all 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.”
The Canons
I. Conduct yourself at all times with honor and dignity.
II. Avoid practices that would bring dishonor upon your profession or The American College.
III. Publicize your achievements in ways that enhance the integrity of your profession.
IV. Continue your studies throughout your working life so as to maintain a high level of professional competence.
V. Do your utmost to attain a distinguished record of professional service.
VI. Support the established institutions and organizations concerned with the integrity of your profession.
VII. Participate in building your profession by encouraging and providing appropriate assistance to qualified persons pursuing professional studies.
VIII. Comply with all laws and regulations, particularly as they relate to professional and business activities.
Continuing Education
All CLU®s and ChFC®s who matriculated after June 30, 1989, and all RHU®s, http://www.theamericancollege.edus, and CLF®s are subject to the PACE Recertification Program. If you are a CLU®, ChFC®, RHU®, http://www.theamericancollege.edu, or CLF® who falls into any of the following specified categories, you are required to earn 30 hours of CE credit every two years:
Licensed insurance agent/broker/consultant
Licensed security representative/registered investment advisor
Financial consultant, attorney, accountant, employee benefits specialist, and any other individual who provides insurance, employee benefits, financial planning, or estate planning advice and counsel to the public
If you have earned all 30 CE credits through The American College, you do not have to sign and file a statement of compliance. The College will record CE credits you earned at The College and notify you when you have met the requirements.
If you are a CLU®, ChFC®, RHU®, http://www.theamericancollege.edu, or CLF® subject to PACE but do not fall into one of the above categories, you are exempt from the CE requirements. You will be required to notify the College of your exempt status every reporting period, as long as the exemption applies.
Download the 2008 Course Registration Form.
Click here to read more about PACE requirements.
Download the PACE Recertification Form.
Other Graduate Programs
Start with a Course….
All distance courses in the Irwin Graduate School are open to students who wish to pursue course work in particular subjects but have not been admitted to a master’s degree program. Certificates are awarded to those who complete three related courses in specific subject areas, such as charitable giving or other areas, outlined below. Completion of the programs may qualify a student for up to nine credits towards an MSFS degree if the student is subsequently admitted to the master’s program.
Certificates are designed for students who have not yet been admitted to the master’s program. Once admitted to the master’s degree program, the student is not eligible to commence work on a new certificate, but will be allowed to complete work on any one certificate already in progress.
Graduate Financial Planning Track
Through a program registered with Certified Financial Planner Board of Standards, students who successfully complete the following seven courses may sit for the CFP® Certification Examination, administered by CFP Board:
GS 811 Security Analysis and Portfolio Management
GS 814 Qualified Retirement Plans
GS 815 Advanced Estate Planning I
GS 817 Personal Tax Planning
GS 842 Executive Compensation
PLUS
HS 300 Financial Planning: Process and Environment*
AND
HS 311 Fundamentals of Insurance Planning*
Course Format and Study Materials
The above courses are self-study.
For GS courses, for your tuition, you receive a study guide and, for applicable courses, online enhancements; the cost of textbooks is additional. Tuition for HS 300 and HS 311 covers the course text(s), student syllabus, audio review, and online enhancements.
Program Completion and Continuing Education
Each course concludes with a two-hour exam, administered at more than 3,000 exam centers around the country. You must take the CFP® Certification Examination and complete additional requirements to earn CFP® Certification.
CFP® Certification Curriculum and Graduate Financial Planning Track
Once you complete either of these programs, you must apply to Certified Financial Planner Board of Standards (CFP Board) to sit for the CFP® Certification Examination, supplying a transcript or grade reports from The American College verifying completion of the necessary course work. The CFP® Certification Examination is a comprehensive, challenging test of financial planning knowledge. Structured review programs are one of the most effective ways of boosting your chance of success on this exam. Please contact the Office of Professional Education for more information on review programs.
The American College does not certify individuals to use the CFP®, CERTIFIED FINANCIAL PLANNER™, and federally registered CFP (with flame logo)® marks. CFP® certification is granted only by CFP® Board to individuals who, in addition to completing educational requirements such as this CFP® Board-registered program, have met its ethics, experience, and examination requirements.
For more on CFP® certification, including upcoming exam dates and other requirements, see Guide to CFP® Certification, available from CFP Board, 1670 Broadway, Suite 600, Denver CO 80202-4809; 888-CFP-MARK (237-6275); mail@CFP-Board.org; www.cfp.net.
Graduate Certificates
You may take any self-study course in the Irwin Graduate School even if you have not been admitted to the master’s degree program. Certificate programs, outlined below, are designed for students not yet admitted to the degree program.
Completion of any of these programs may qualify you for up to nine credits toward the MSFS degree if you are subsequently admitted to the degree program. Once admitted to the MSFS program, you are not eligible to commence work on a new certificate, but may complete work on any one certificate in progress.
For the Graduate School Course List and Study Materials Click Here
Business Succession Planning
GS 812 Business Valuation
GS 836 Business Succession Planning I
GS 838 Business Succession Planning II
Customized Asset Management Program
GS 810 Financial Institutions
GS 811 Security Analysis and Portfolio Management
GS 819 Mutual Funds: Analysis, Allocation, and Performance Evaluation
Estate Planning and Taxation
GS 815 Advanced Estate Planning I
GS 816 Advanced Estate Planning II
GS 817 Personal Tax Planning
Charitable Planning
GS 839 Charitable Giving
GS 849 Charitable Giving Applications
GS 859 Charitable Giving: Managing the Tools, the Applications, and the Relationships
Accredited Estate Planner Designation Credits
Applicants for the AEP designation, granted by the National Association of Estate Planners & Councils, must successfully complete two graduate courses through The American College, as follows:
Required Course:
GS 815 Advanced Estate Planning I
Elective Courses, select 1:
GS 812 Business Valuation
GS 816 Advanced Estate Planning II
GS 836 Business Succession Planning I
GS 839 Charitable Giving
GS 842 Executive Compensation
ChFC® Advanced Financial Planning
The Industry’s Most Complete Financial Planning Program
The ChFC® (Chartered Financial Consultant) Designation can be earned by completing 6 required courses HS 300, HS 311, HS 321, HS 326, HS 328, and HS 330, and 2 elective courses from the following group: HS 322, HS 334 and HS 352.
Further your knowledge with advanced planning applications
The ChFC® prepares you to meet the advanced financial planning needs of individuals, professionals and small-business owners. You’ll gain a sustainable advantage in this competitive field with in-depth coverage of the key financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning. In fact, ChFC® designees average up to 51% higher income than their peers.
Earn the ChFC® Your Way
The comprehensive core of ChFC® knowledge is supplemented by a broad selection of elective courses, allowing you to customize your program with practical planning applications. Complete your program as fast as you like with leading edge texts and access to extensive online study aides at no additional charge, including:
supplemental readings
online discussion with course professors
sample questions
practice exams.
After successfully completing the six “core” courses in the ChFC® curriculum, you may qualify to sit for CFP® Certification Examination with no additional course work.
Additional Study Support
Cost-effective supplementary study materials, developed in partnership with Kier Educational Resources, are also available for select CFP Certification Curriculum courses. Click here for information on the supplemental study materials.
Live Classes
Find out more about our Horizons program, offering a convenient and cost effective way to host live, weekly ChFC® classes in your office. Learn more here.
ChFC® Curriculum
The ChFC® (Chartered Financial Consultant) Designation can be earned by completing 6 required courses HS 300, HS 311, HS 321, HS 326, HS 328, and HS 330, and 2 elective courses from the following group: HS 322, HS 334 and HS 352.
(Get course descriptions here.)
Required Courses:
HS 300 Financial Planning: Process and Environment*
HS 311 Fundamentals of Insurance Planning
HS 321 Income Taxation
HS 326 Planning for Retirement Needs
HS 328 Investments
HS 330 Fundamentals of Estate Planning
Elective Courses (Choose Two)
HS 322 The Financial System in the Economy
HS 334 Estate Planning Applications
HS 352 Financial Decisions for Retirement
* Students who have already taken HS 318 may not take HS 300 or HS 311 for credit toward the ChFC® designation, and must take three electives.
Click Here for Additional ChFC® Program Requirements
Tuition and Fees
Your tuition includes all required study materials, access to convenient online learning tools and your examination. Supplementary study materials are also available for an additional cost.
Admission Fee (one-time, non-refundable fee for new enrollees at The College): $125.00
Course Tuition: $550.00
Shipping and Handling: $15.00 (per course)
*New Accelerated Success Program!
With low monthly payments and no interest charges!
This Course Subject to The PACE Recertification Program
Click Here For More Information
***Textbooks are regularly revised to reflect recent tax code changes, new legislation and industry trends so you can stay current. Revised textbooks are shipped to students on the first day of the month of your selected testing quarter. Textbooks that are not under revision are shipped as soon as the registration is processed. Please contact a Professional Education counselor if you have questions about textbook revisions.***
For the Huebner School Course Revisions Grid Click Here
Three Easy Ways to Register
Online
Create your user account and register for your course here.
Mail or Fax
Download the course registration (pdf) form here and return via mail or fax
Phone
Call a Professional Education counselor (Monday-Friday 8:00am - 6:00pm, EST)
1-888-263-7265
All requests for refunds must be made in writing to the Office of Professional Education, The American College, 270 S. Bryn Mawr Ave., Bryn Mawr, PA 19010. We will refund your course tuition less a $150.00 cancellation fee for 30 days into the quarter for which you are registered. Textbooks do not need to be returned and no refund will be given for these textbooks.
CASL® Retirement Coaching
Become a Financial Coach for Life’s Second Half
The CASL® (Chartered Advisor for Senior Living®) Designation can be earned by completing 5 required courses, HS 350, HS 351, HS 352, HS 328 and HS 330.
Click here to download our CASL® Retirement Coaching brochure.
With more than 76 million baby boomers now moving toward retirement, prepare to help them with all that lies ahead by signing up for the Chartered Advisor for Senior Living®(CASL®) self-study program. CASL® courses deliver practical education that can expand your business and provide lifelong benefits to your clients.
With five in-depth courses, CASL® is the most robust designation available in this specialized field. Completing the program prepares you to lead clients from middle age
through retirement and wealth management and transfer.
Earn the CASL® Your Way
Complete each course as quickly as you like with leading edge texts and access to extensive online resources at no additional charge, including:
supplemental readings
online discussion with course professors
sample questions
practice exams.
Aditional Study Support
Cost-effective supplemental study materials, developed in partnership with Keir Educational Resources, are also available for select courses at an additional cost.
Click here to learn more.
CASL® Curriculum (Get course descriptions here.)
Five Required Courses
HS 328 Investments
HS 330 Fundamentals of Estate Planning
HS 350 Understanding the Older Client
HS 351 Health and Long-Term Care Financing for Seniors
HS 352 Financial Decisions for Retirement
Click Here for CASL® Program Completion Requirements
Click Here for CLU®/ChFC®/RHU®/REBC®/CLF®Program Completion Requirements
Click Here for Additional CASL® Program Requirements
Tuition and Fees
Your tuition includes all required study materials, access to convenient online learning tools and your examination. Supplementary study materials are also available for an additional cost. Click here for information on the supplemental study materials.
Admission Fee (one-time, non-refundable fee for new enrollees at The College): $125.00
Course Tuition: $550.00
Shipping and Handling: $15.00 (per course)
*New Accelerated Success Program!
With low monthly payments and no interest charges!
This Course Subject to The PACE Recertification Program
Click Here For More Information
***Textbooks are regularly revised to reflect recent tax code changes, new legislation and industry trends so you can stay current. Revised textbooks are shipped to students on the first day of the month of your selected testing quarter. Textbooks that are not under revision are shipped as soon as the registration is processed. Please contact a Professional Education counselor if you have questions about textbook revisions.***
For the Huebner School Course Revisions Grid Click Here
Three Easy Ways to Register
Online
Create your user account and register for your course here.
Mail or Fax
Download the course registration (pdf) form here and return via mail or fax
Phone
Call a Professional Education counselor (Monday-Friday 8 a.m. – 6 p.m., EST)
1-888-263-7265
All requests for refunds must be made in writing to the Office of Professional Education, The American College, 270 S. Bryn Mawr Ave., Bryn Mawr, PA 19010. We will refund your course tuition less a $150.00 cancellation fee for 30 days into the quarter for which you are registered. Textbooks do not need to be returned and no refund will be given for these textbooks.
Request Additional Information
For additional information on the CASL® program:
Send an email, including your full mailing address to Info@TheAmericanCollege.edu
Call a Professional Education counselor at 888-263-7265
(8:00 a.m to 6:00 p.m. EST)
CASL® Program Courses
HS 328 Investments
Covers various aspects of the principles of investments and their application to financial planning. Discusses risk analysis and risk and return computations. Looks at stocks, bonds, investment companies, options, and futures contracts. Includes an extended discussion of tax issues in investing, as well as of issues in the practice of portfolio management, including strategic and tactical asset allocation. Provides many examples of ethical and practical issues in managing a client’s portfolio.
HS 330 Fundamentals of Estate Planning
Covers various aspects of estate and gift tax planning, including the nature, valuation, transfer, administration, and taxation of property. Provides a basic understanding of the estate and gift tax system, including strategies of estate planning. Discusses gratuitous transfers of property outright or with trusts, wills, and powers of appointment; use of the marital deduction; valuation of assets; and buy-sell agreements. Covers the client interview, fact-finding, ethical standards, and development of personal estate plans.
HS 350 Understanding the Older Client
Focuses on the important changes clients face as they age, to enable financial advisors to better serve their needs. Presents the demographics of aging, as well as economic, historical, biological, psychological, and political perspectives. Deals with social aspects-life course transitions, family relationships and social support systems, living arrangements, as well as work and retirement. Covers care issues, including health and health care, caring for the elderly and dying, death, and bereavement. Also addresses practical considerations involved in communicating effectively with seniors.
HS 351 Health and Long-Term Care Financing for Seniors
Provides a thorough analysis of the alternatives available for senior clients to finance medical and long-term care, including private resources, government programs, and private insurance. Emphasizes the need for care, the settings in which health care services are provided, and the types of resources available to finance them.
HS 352 Financial Decisions for Retirement
Focuses on financial decisions clients face as they approach, reach, and pass retirement age and on the tools and techniques financial advisers may employ to assist their clients with these decisions. The course covers source of income, retirement calculations, investment considerations, annuities, housing decisions, insurance needs of the older client, and estate planning concerns. Especially valuable for practitioners who advise retirees in decisions on rolling over lump-sum pension distributions to IRAs. Provides extensive perspectives on dealing with aging and retired clients and their families.
The Certification Board for Nutrition Specialists (CBNS)
The Certification Board for Nutrition Specialists (CBNS) was founded in 1993 by the American College of Nutrition (ACN) to help meet the growing demand for knowledgeable, responsible professional nutritionists. The CBNS was created as a national certifying body in response to the many advanced degree nutritionists (master’s and doctoral level) from regionally accredited institutions that seek more formal recognition of their knowledge, skills and experience.
——————————————————————————–
WHAT IS A CERTIFIED NUTRITION SPECIALIST (CNS)?
——————————————————————————–
A CNS has an advanced degree (master’s, doctoral, or professional level), in nutrition or closely allied subject, and has additionally met the stringent requirements of the American College of Nutrition (ACN)’s certifying arm, the Certification Board for Nutrition Specialists (CBNS). Since 1995, this has included successful performance on a rigorous written examination covering the broad science of nutrition, ranging from basic aspects through clinical and research applications. CNS’s are required to maintain their certification by earning extensive continuing nutrition education (CNE) credits, generally through attendance at educational programs in nutrition, such as ACN’s annual scientific/clinical meetings. CNS’s are urged to be active members of ACN.
——————————————————————————–
WHAT IS A NUTRITIONIST?
——————————————————————————–
A nutritionist is a health specialist who devotes his/her professional activity exclusively to food/nutrition science, preventive nutrition, diseases related to nutrient deficiencies, and the use of nutrient manipulation to enhance the clinical response to human diseases.