The nine-course Programme leading to the award of the ChFC®/S professional designation offers financial advisory professionals comprehensive financial planning knowledge to better assist their clients in this increasingly competitive field.In particular, candidates will have opportunities to explore in-depth practical applications of financial planning, estate planning, and retirement planning concepts, including planning for business owners, professionals and wealthy clients. This is a self-study programme, except for ChFC08 and ChFC09 in which candidates must attend a 14-hour and 2-hour tutorials before attempting the examination.

  • "Thank you so much IFPAS & SCI for organizing the ChFC course and all the practitioners for guiding us through the whole course and share with us useful tips!

    It help me to complete the whole picture of the financial planning and understanding in deeper level, and of course help me to become more knowledgeable and confident in our business, furthermore help with my personal grow in my sale too! Big Thank You!

    I encourage my fellow practitioners to take up this course and for sure your business will benefit!"

    Cody Chen Haojin - GEL

  • I am very happy to be able to complete my ChFC/S & CLU/S within a year.

    Through the ChFC/S course, I have gained new knowledge and skills for my practice, and reinforced and strengthened certain processes & things in conducting my business. With these, it allows me to value to add to my associates & clients. I have also made new friends in the industry through this course.

    Not forgetting the helpful IFPAS secretariat team consisting of Desiree, Shantelle, Sheetal & team, they helped me along with the administration, registration & WDA subsidy for the course, as well as the knowledgeable lecturers that were lecturing & preparing us for the ChFC exams. A big thank you to all!

    Tan Seng Chuan - PRU

  • ChFC is an intensive and wholesome course which has increased my knowledge and hence confidence in holistic financial planning. Having accomplished this coveted certification of ChFC opens new horizons and makes me more prepared in changing phase of financial industry.

    My ChFC journey started as I realized that I was advising my client’s only on insurance needs while they had many more areas of concerns like - investments, educational goals, retirement needs, business succession planning, wills, trusts, etc. The need to have one trustworthy person who can understand the clients’ current position, uncover other relevant aspects and address the needs well and only then draw a full financial road map for them; encouraged me to look for a course which could broaden and deepen my knowledge. ChFC course has enabled me to plan comprehensive and advise holistically so that people can achieve their financial objectives and come closer to their goals.

    IFPAS mentors and staff have been really supportive and eager to help. Concepts were explained well and teachers were ever ready to impart their knowledge and expertise. A special mention to SCI as they were always helpful in providing any clarifications whenever I approached them, especially when it was closer to exam.

    Anima Jaiswal- INCOME

ChFC01

ChFC01: Financial Planning: Process and Environment

Provides an overview of the financial planning process, including communication techniques, ethics, risk tolerance, time-value-of-money concepts and financial planning applications.

ChFC02: Risk Management, Insurance and Retirement Planning

ChFC02: Risk Management, Insurance and Retirement Planning

Focuses on the use of risk management techniques in treating the risks faced by individuals.It also provides an outline of the basic insurance principles, as well as

ChFC03: Tax, Estate Planning and Legal Aspects of Financial Planning

ChFC03: Tax, Estate Planning and Legal Aspects of Financial Planning

Examines income tax laws relating to the transactions of individuals, as well as planning for minimisation and deferral of taxation for the clients. It also reviews cases

ChFC04

ChFC04: Investments

Covers the different risks and returns from the various forms of investments, as well as the types of investment strategies that can be taken, given the increasingly challenging investment environment.

ChFC05

ChFC05: Plan Construction, Practice Standards and Ethics

Complements the theoretical aspects of financial planning by addressing key practice and plan construction issues. It outlines the essential skills needed to formulate

ChFC06

ChFC06: Planning for Business Owners and Professionals

Focuses on the various forms of business structures, and highlights the risks and returns involved in a business investment. It also provides insights on buy-sell agreements

ChFC07

ChFC07: Wealth Management and Financial Planning

Examines the importance of creating and protecting wealth as it has a great impact on clients’ current and future lifestyles. It also outlines the proper wealth management techniques and strategies

ChFC08

ChFC08: Financial Planning Applications

Presents a capstone to the ChFC programme by encompassing and encapsulating holistic knowledge that the student has gained from ChFC01 to ChFC07 studies. Case studies and analyses are used to integrate the various

ChFC09

ChFC09: Ethics for the Financial Services Professional

Provides a practical framework for making ethical business decisions in the financial services industry. It covers the importance of ethics as a subject, the eight-step model of ethical decision making framework and the