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The ChFC® is a comprehensive financial planning credential offered by The American College of Financial Services. It covers the same core curriculum as the CFP® but often includes additional coursework in insurance and practical applications.
ChFC® holders have completed extensive education in financial planning. They are well-equipped to handle complex cases involving insurance, estate planning, and practical wealth management solutions.
Verification: Verify designation status at YourAdvisorGuide.com (The American College).
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A ChFC® has undergone rigorous training and testing to demonstrate expertise in their field. Hiring a ChFC® ensures you are working with a committed professional who adheres to high ethical standards.
You can verify a ChFC® status on the issuing organization's official website. AdvisorList also vets credentials to ensure the professionals on our platform are accurately represented.
For many clients, the expertise of a ChFC® pays for itself through tax savings, better investment returns, and avoidance of costly financial mistakes.
Look for an advisor who is a fiduciary, meaning they are legally required to act in your best interest. Consider their fee structure (fee-only is often preferred), credentials (like CFP®), and experience with clients in your specific financial situation.
These terms are often used interchangeably, but 'Financial Planner' often implies a focus on comprehensive long-term planning (retirement, estate, tax), whereas 'Financial Advisor' may focus more on investment management. Look for the CFP® designation for rigorous planning expertise.
Costs vary. Fee-only advisors typically charge a percentage of assets under management (often ~1%), an hourly rate ($200-$400/hr), or a flat annual fee. Always ask for a clear explanation of all fees in writing.
Finding the right financial advisor is crucial for achieving your financial goals. Browse 2 qualified advisors and find the perfect match for your financial planning needs.