Which CFP® Program is Right for You?

财务规划基础是在线CFP®财务规划澳门威利斯亚洲官网教育计划的入门课程.

本课程概述财务规划的基础知识和财务规划师的职能. 作为该计划其他课程的先决条件, it covers financial planning tools and techniques, including financial statement analysis, basic economics, funding for education needs, and dealing with clients. HP-12C或HP-10bII计算器都可以用来分析金钱问题的时间价值.

Key Topics:

• The Personal Financial Planning Process
• Economic Concepts and Consumer Protection Laws
• Personal Financial Statements
• Managing Cash Flow and Debt
• Using the HP-12C Calculator
• Using the HP-10bII Calculator
• Educational Savings Techniques
• Educational Aid and Funding Calculation
• Regulation of Financial Planners
• CFP Board Regulatory Requirements

保险策划是在线CFP®澳门威利斯亚洲官网教育计划的第二门课程.

本课程提供保险产品和保险计划的深入概述. 本课程涵盖私营和公共部门形式的保险.

Key Topics:

• Principles of Risk and Insurance
• Fundamentals of Insurance
• Property and Liability Insurance Fundamentals
• Homeowners Insurance
• Personal Auto and Umbrella Liability Policies
• Commercial Property and Liability Insurance
• Individual Medical Expense Insurance
• Group Medical Expense Insurance
• Disability Income and Long-Term Care Insurance
• Social Security
• 计算人寿保险作为风险管理工具的使用
• Types of Life Insurance
• Life Insurance Policy Provisions and Conditions
• Purchasing and Pricing Life Insurance
• Income Taxation of Life Insurance
• The Irrevocable Life Insurance Trust
• Business Uses of Life and Disability Insurance
• 递延年金-递延税收积累工具
• 即时年金-一个税收优惠的收入规划工具

投资规划是在线CFP®理财规划师澳门威利斯亚洲官网教育计划的第三门课程.

本课程涵盖投资工具(股票、债券、共同基金等).) and investment analysis/management approaches, 从而为有效的投资规划提供坚实的基础.

Key Topics:

• Key Principles of Investing
• Securities Markets, The SEC and The Fed
• Equity Securities
• International Equity Securities
• Fundamental Equity Analysis
• Technical Equity Analysis
• Equity Investment Strategies
• Pooled Investments
• Fixed Income Securities
• Fixed Income Securities Analysis
• Fixed Income Investment Strategies
• Developing an Investment Policy Statement
• Asset Allocation
• Evaluating Portfolio Performance
• Fundamentals of Derivatives – Futures and Options
• Insurance and Real Estate Investments

所得税规划是在线CFP®财务规划澳门威利斯亚洲官网教育计划的第四门课程.

本课程涵盖个人所得税和企业所得税, 为有效的税务规划提供最新的信息和技术.

Key Topics:

• Introduction to Taxation
• Fundamentals of Tax Returns
• Accounting of Total Income
• Calculating Total Income
• Total Income Exclusions
• Employer-Sponsored Total Income Exclusions
• Arriving at Adjusted Gross Income
• Arriving at Taxable Income
• Tax Implications of Business Structures
• Recognition of Expenses, Losses, and Deductions
• Depreciation, Amortization, and Depletion
• Unreimbursed Employee Expenses
• Passive Activities and the AMT
• Tax Credits, Payments, and Forms
• Property Transactions
• 未确认损益的财产交易

退休计划是在线CFP理财规划师澳门威利斯亚洲官网教育项目的第五门课程.

本课程是对个人和员工退休计划的全面研究, 让参与者熟悉收集信息的方法，并选择合适的方案来实现客户的退休目标.

Key Topics:

• 使用个人退休账户建立和分配更多的退休收入
• 合格计划对员工的利弊 & Business Owners
• 合格计划中的雇员保护和雇主责任
• Understanding Types of Qualified Plans
• 利用不合格计划为小企业和非营利雇员 & Owners
• 将企业主的需求与合适的合格计划相匹配
• Income Distribution Planning for Qualified Plans
• 将递延薪酬纳入退休计划
• 通过最大化福利来积累退休财富
• Fundamentals of Social Security and Medicare

遗产规划是在线CFP®财务规划澳门威利斯亚洲官网教育计划的第六门课程.

This course covers the property ownership issues, taxation issues, planning documents, 以及包括有效遗产规划在内的实施策略.

Key Topics:

• Property Ownership
• Wills, Estates, and the Probate Process
• Understanding Trusts and Trust Documents
• Common Elements of Estate and Gift Taxes
• Transfers at Death
• Lifetime Transfers
• Generation Skipping Transfers
• Gift and Estate Valuation
• Income Taxation of Trusts and Estates
• Application of Estate Planning Concepts
• Charitable Gifting Techniques
• 评估冻结技术以减少遗产税责任

制定财务计划是在线CFP®财务规划澳门威利斯亚洲官网教育计划的顶点课程.

本课程将教学生制定财务计划的步骤, 确保计划满足客户需求和目标所必需的要素, 并要求学生准备一份基于案例研究的书面评分计划, 然后通过视频会议向我们的一位老师口头介绍这个计划.