CFP Board Financial Planning Competency Handbook
CFP Board Financial Planning Competency Handbook
- ISBN 13:
9781118470121
- ISBN 10:
1118470125
- Edition: 1st
- Format: Hardcover
- Copyright: 04/01/2013
- Publisher: Wiley
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Summary
Author Biography
Read moreCertified Financial Planner Board of Standards, Inc., is a nonprofit organization acting in the public interest by fostering professional standards in personal financial planning. The CFP Board sets and enforces the standards for CFP® certification, the recognized standard of excellence for personal financial planning. Individuals who successfully complete the CFP Board's initial and ongoing certification requirementsincluding requirements related to education, examination, experience, and ethicsare awarded the right to use the CFP® certification marks. CFP® certification identifies financial planners who are true professionals in one of the fastest growing and exciting careers today, allowing the public to find professionals qualified to provide competent and ethical financial planning services delivered with a fiduciary standard of care, putting the client's best interests first. They are located in Washington, D.C.
Table of Contents
Read morePart One
Chapter 1 Theory and Practice
Connections Diagram
Chapter Introduction
Student-Centered Learning Objectives based upon CFP Board Principal Topics
In Class
Professional Practice Capabilities
In Practice
Part Two Personal Financial Planner
Chapter 2 Financial Planning Process (John E. Grable, Ph.D., CFP® & Ronald A. Sages, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class7
V. Professional Practice Capabilities
VI. In Practice
Prospective Client
Kariga
Chapter 3 Financial Statements (Thomas Warschauer, Ph.D., CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Patricia
Chapter 4 Cash Flow Management (Martie Gillen, Ph.D. & Michael Gutter, Ph.D.)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. Practice Vignettes
Thomas
Joseph
Chapter 5 Financing Strategies (Kenneth Wynn, Martie Gillen, Ph.D., Michael Gutter, Ph.D. & Jorge Ruiz Menjivar)
I. Connections Diagram
II. Introduction
III. Learning Objective
IV. In Class
V. Professional Practice Capabilities
VI. Practice Vignettes
Clarence and Robin
Stanley and Simone
Chapter 6 Function, Purpose, and Regulation of Financial Institutions (John E. Grable, Ph.D., CFP® & Sonya L. Britt, Ph.D., CFP®)
Connections Diagram
Introduction
Learning Objectives
In Class
Professional Practice Capabilities
In Practice
Rebecca
Janie
Chapter 7 Education Planning Michael Gutter, Ph.D. & Martie Gillen, Ph.D.)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Jack and Luisa
Margaret
Marcus and Stacey
Chapter 8 Financial Planning for Special Circumstances (Sharon A. Burns, Ph.D., CPA (Inactive))
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Susan and Ed
Tom and Gayle
Chapter 9 Economic Concepts (Dave Yeske, DBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Outcomes
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Pema
Chapter 10 Time Value of Money (Jorge Ruiz-Menjivar, Martie Gillen, Ph.D., Michael Gutter, Ph.D. & Kenneth Wynn)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. Practice Vignettes
Pablo and Whitney
Alba and Douglas
David
Chapter 11 Financial Services Regulations and Requirements (John E. Grable, Ph.D., CFP® & Sonya L. Britt, Ph.D., CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Shaylea
Bill
Chapter 12 Business Law (Thomas Warschauer, Ph.D., CFP® & Don L. Harrington, J.D.)
Connections Diagram
Introduction
Learning Objectives
In Class
Professional Practice Capabilities
In Practice
John
Chapter 13 Consumer Protection Laws (John E. Grable, Ph.D., CFP® & Sonya L. Britt, Ph.D., CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Sarah
Wilma
Chapter 14 Principles of Risk and Insurance (Dave Yeske, DBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Marilyn and Jonathan
Skyla and Brent
Nancy
Chapter 15 Analysis and Evaluation of Risk Exposures (Dave Yeske, DBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Marie and George
Franklin
Chapter 16 Health Insurance and Health Care Cost Management (Sharon A. Burns, Ph.D., CPA (Inactive))
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Jacob
Arethra
Chapter 17 Disability Income Insurance (individual) (Dave Yeske, DBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Patricia
William
Chapter 18 Long-Term Care Insurance (Sharon A. Burns, Ph.D., CPA (Inactive))
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Madeline
Emma and Donald
Chapter 19 Life Insurance (individual) (Dave Yeske, DBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Miriam
Georgette and Willem
Chapter 20 Income Taxation of Life Insurance (Martin C. Seay, Ph.D. & Lance Palmer, Ph.D., CPA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
V. Professional Practice Capabilities
VI. In Practice
Juan and Maria
Penny
Chapter 21 Business Uses of Life Insurance (John Gilliam, Ph.D.)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. Business Uses of Life Insurance: In Class
Business Transfer and Key Person Protection
Non-Qualified Benefits
V. Professional Practice Capabilities
Business Transfer
Non-Qualified Benefits
VI. Business Uses of Life Insurance: In Practice
Rebecca
Zhang and Li
Rafael and Angela
Dan, Cindy, and Sean
Jim
Chapter 22 Insurance Needs Analysis (Thomas Warschauer, Ph.D., CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Marie and Steve
Chapter 23 Insurance Policy and Company Selection (Thomas Warschauer, Ph.D., CFP® & Andrew Head, MA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Stuart and Liza
Chapter 24 Annuities (John Gilliam, PhD & Andrew Head, MA, CFP®)
I. Connection Diagram
II. Introduction
Frequency of Contributions
Distribution Alternatives
Distribution Options
Investment Options
Taxation of Annuities
During Accumulation
During Distribution
Fees and Charges in Annuities
The Pension Protection Act of 2006
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Ann
Daniel and Naomi
Dafari and Bahati
Chapter 25 Characteristics, uses and taxation of investment vehicles (Swarn Chatterjee, Ph.D. & Lance Palmer, Ph.D., CPA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Rebecca
Mike
Chapter 26 Types of Investment Risk (Thomas Warschauer, Ph.D., CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Rosemary and James
Chapter 27 Quantitative Investments Concepts (Thomas Warschauer, Ph.D., CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Rodolfo and Henrietta
Chapter 28 Measures of Investment Returns (Thomas Warschauer, Ph.D., CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Robert and Mary
Chapter 29 Bond and Stock Valuation Concepts (Dave Yeske, DBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Georgette
Tobe and Steve
Chapter 30 Portfolio Development and Analysis (Thomas Warschauer, Ph.D., CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Robert and April
Chapter 31 Investment Strategies (Dave Yeske, DBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
George
Kenneth
Chapter 32 Asset Allocation and Portfolio Diversification (Dave Yeske, DBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Harry
Missy
Chapter 33 Income Tax Law Fundamentals (Lance Palmer, Ph.D., CPA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
John and Susan
Jose and Alexandra
Gloria
Chapter 34 Tax Compliance (Sharon A. Burns, Ph.D., CPA (Inactive))
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Horatio
Harlan
Chapter 35 Income Tax Fundamentals and Calculations (Lance Palmer, Ph.D., CFP®, CPA)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Rose
Chapter 36 Characteristics and Income Taxation of Business Entities (Webster Hewitt, CPA, CFP® & Lance Palmer, Ph.D., CPA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Antwan
Peter
Homer
Chapter 37 Income Taxation of Trusts and Estates (Martin C. Seay, Ph.D. & Lance Palmer, Ph.D., CPA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
John
Steve and Martha
Chapter 38 Basis (Sharon A. Burns, Ph.D., CPA (Inactive))
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Rich
Lucy and Norah
Chapter 39 Tax Consequences of the Disposition of Property (Lance Palmer, Ph.D., CPA, CFP® & Martin C. Seay, Ph.D.)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Paula
Francisco
Chapter 40 Alternative Minimum Tax (AMT) (Webster Hewitt, CPA, CFP® & Lance Palmer, Ph.D., CPA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities:
VI. In Practice
Martin
Mandy
Mary
Chapter 41 Tax Reduction and Management Techniques (Lance Palmer, Ph.D., CPA, CFP®)
Connections Diagram
Introduction
Learning Objectives
In Class
Professional Practice Capabilities:
In Practice
Bartolo and Marissa
Frank and Jan
Chapter 42 Passive Activity and At-risk Rules (Lance Palmer, Ph.D., CFP®, CPA)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Javier
Chapter 43 Tax Implications of Special Circumstances (Lance Palmer, Ph.D., CPA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Jack and Deborah
Donald and Victoria
Chapter 44 Charitable Contributions and Deductions (Webster Hewitt, CPA, CFP® & Lance Palmer, Ph.D., CPA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities:
VI. In Practice
Rick
Adrian
Montgomery
Chapter 45 Retirement Needs Analysis (Sharon A. Burns, Ph.D., CPA (Inactive))
I. Connections Diagram
II. Introduction
III. Learning Objectives.
IV. In Class
V. Levels of Practice Capability
VI. In Practice
Golden and Norwin
Mary Jane
Chapter 46 Social Security (Old Age, Survivor, and Disability Insurance, OASDI) (Thomas Warschauer, Ph.D., CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
John and Mary
Chapter 47 Types of Retirement Plans (John E. Grable, Ph.D., CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Small Business Owner
Kristy’s Client
Chapter 48 Qualified Plan Rules and Options (Sharon A. Burns, Ph.D., CPA (Inactive))
Connections Diagram
Introduction
Learning Objectives
In Class
Professional Practice Capabilities
In Practice
JP and Max
Emma
Chapter 49 Other Tax Advantaged Plans (Sharon A. Burns, Ph.D., CPA (Inactive))
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
JP and Tammy
Rachel
Chapter 50 Regulatory Considerations (Sharon A. Burns, Ph.D., CPA (Inactive))
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Jim
Georgeann
Chapter 51 Key Factors Affecting Plan Selection for Business (Sharon A. Burns, Ph.D., CPA (Inactive))
I. Connections Diagram
II. Introduction
III. Learning Objectives.
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Eugene and Edumund
Charlita
Chapter 52 Investment Considerations for Retirement Plans (Dave Yeske, DBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class1
V. Professional Practice Capabilities
VI. In Practice
Louise and Jonathan
Acme Giant Rubber Band Company
Chapter 53 Distribution Rules, Alternatives and Taxation (Sharon A. Burns, Ph.D., CPA (Inactive))
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
LaTasha
Charles
Chapter 54 Characteristics and Consequences of Property Titling (Sharon A. Burns, Ph.D., CPA (Inactive))
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Shelley and Mark
Margie
Chapter 55 Methods of Property Transfer at Death (Sharon A. Burns, Ph.D., CPA (Inactive))
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Mary and Rosa
Tim
Chapter 56 Estate Planning Documents (Sharon A. Burns, Ph.D., CPA (Inactive))
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Angie and Ralph
Jaques
Chapter 57 Gifting Strategies (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class 3
V. Professional Practice Capabilities
VI. In Practice
The Smiths and the Jones
Pat and Sam
Mary and Rosa
Chapter 58 Gift Tax Compliance and Tax Calculation (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Stephen and Susan
William
Oliver and Sharon
Chapter 59 Incapacity Planning (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Kyle
Jenny and Jeff
Susan
Chapter 60 Estate tax compliance and tax calculation (Elissa Buie, MBA, CFP®)
Connections Diagram
Introduction
Learning Objectives
In Class
Professional Practice Capabilities
In Practice
Todd
Chapter 61 Sources for Estate Liquidity (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class1
V. Professional Practice Capabilities
VI. In Practice
Anne and George
Robin and Allison
William
Chapter 62 Powers of Appointment (Sharon A. Burns, Ph.D., CPA (Inactive))
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Mabel
Meghan
Chapter 63 Types, Features and Taxation of Trusts (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Barat and Bavani
Latesha and Juan
Chapter 64 Qualified Interest Trusts (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Outcomes
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Rosemary and Stormy
Padma and Sam
Bill and Sharon
Chapter 65 Charitable Transfers (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Tom and Jody
Susan and Samantha
Chapter 66 Use of Life Insurance in Estate Planning (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Outcomes
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Jimmy and Amy
John
Barney and Jim
Chapter 67 Marital Deduction (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Outcomes
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Bill and Beatrix
Tom and Jason
Kevin
Chapter 68 Deferral and Minimization of Estate Tax (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Outcomes
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
The Hishidas
Amy
Chapter 69 Intra-Family and Other Business Transfer Techniques (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Outcomes
IV. Bloom’s Taxonomy
V. Professional Practice Capabilities
VI. Vignettes
Ann
Donald
Sherrell
Chapter 70 Generation Skipping Transfer Tax (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
James
Forrest and Amanda
Chapter 71 Fiduciaries (Martie Gillen, Ph.D.)
Connections Diagram
Introduction
Primary learning objective:
In Class
Professional Practice Capabilities:
In Practice
Susan
Chapter 72 Income in Respect of a Decedent (IRD) (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Outcomes
IV. Bloom’s Taxonomy
V. Professional Practice Capabilities
VI. Vignettes
Sarafina
Jazzy and Biyanka
Jerry
Chapter 73 Postmortem Estate Planning Techniques (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Outcomes
IV. Bloom’s Taxonomy
V. Professional Practice Capabilities
VI. Vignettes
Paul
Lau Chun
Chapter 74 Estate Planning for Non-Traditional Relationships (Elissa Buie, MBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Outcomes
IV. Bloom’s Taxonomy
V. Professional Practice Capabilities
VI. Vignettes
Chris and Dave
Katie
Chapter 75 Client and Planner Attitudes, Values, Biases and Behavioral Characteristics and the Impact on Financial Planning (Dave Yeske, DBA, CFP®)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class4
V. Professional Practice Capabilities
VI. In Practice
Myra
Myra’s Learning Style
Chapter 76: Principles of Communication and Counseling (John E. Grable, Ph.D., CFP® & Kristy L. Archuleta, Ph.D., LMFT)
I. Connections Diagram
II. Introduction
III. Learning Objectives
IV. In Class
V. Professional Practice Capabilities
VI. In Practice
Haley
Mr. and Mrs. Jones
Chapter 77 Standards of Professional Conduct (Jorge Ruiz-Menjivar & Martie Gillen, Ph.D.)
Connections Diagram
Introduction
Learning Objectives
In Class
Professional Practice Capabilities
In Practice
Brent
Chapter 78 Establishing and Defining the Client-Planner Relationship (Elissa Buie, CFP® & Dave Yeske, DBA, CFP®)
Introduction
Seek first to understand
Then to be understood
Techniques
In Practice
Chapter 79 Gathering Information Necessary to Fulfill the Engagement
In Practice
Elsa
Pat and Tony
Chapter 80 Analyzing and Evaluating the Client’s Current Financial Status (Thomas Warschauer, Ph.D., CFP®, Vickie Hampton, Ph.D., CFP®, & Andrew Head, MA, CFP®)
Definition
Purpose
Techniques
In Practice
The Insurance Agent
The Financial Advisor
The Financial Planner
Chapter 81 Developing the Recommendation(s) (John E. Grable, Ph.D., CFP® & Lance Palmer, Ph.D., CPA)
Defining a Recommendation
The Process of Recommendation Development
Systematic Approach
Evaluating Recommendations
Formalizing Recommendations
In Practice
Teddy
Chapter 83 Implementing the Financial Planning Recommendations (Deena Katz, Ph.D., CFP® & Vickie Hampton, Ph.D., CFP®)
Definition
In Practice
Purpose
Techniques
In Practice
Chapter 84 Monitoring the Recommendation(s) (Thomas Warschauer, Ph.D., CFP® & Sharon A. Burns, Ph.D., CPA (Inactive))
Purpose
Definition
Techniques
In Practice
Chapter 85 Moving Forward (Lance Palmer, Ph.D., CPA, CFP® & Charles R. Chaffin, Ed.D)
Development of a Profession
Career Path
Demographics
Age
Gender
Income, Wealth and Employment
Education
Ethnicity/Race
Research in Financial Planning
Focus on Planning
Supplemental Materials
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