A.1 Code of Ethics and Standards of ConductA.1.1 The Six Ethical PrinciplesA.2 Procedural Rules and DisciplineA.2.1 Fitness Standards for CandidatesA.3 Financial Institutions OverviewA.3.1 Broker-Dealers vs. RIAsA.4 SEC and Securities RegulationA.4.1 FINRA and Broker-Dealer RegulationA.4.2 State Securities RegulationA.5 Consumer Protection LawsA.5.1 Privacy and Confidentiality RequirementsA.6 Fiduciary Duty and Application
B.7 The Financial Planning ProcessB.7.1 Establishing the Client RelationshipB.7.2 Gathering Client Data and GoalsB.8 Personal Financial StatementsB.8.1 Key Financial RatiosB.9 Cash Flow ManagementB.9.1 Emergency Fund PlanningB.10 Debt Management StrategiesB.10.1 Mortgage and Home FinancingB.11 Economic ConceptsB.11.1 Planning for InflationB.12 Time Value of Money ConceptsB.12.1 TVM Calculations and ApplicationsB.12.2 Loan AmortizationB.13 Education Needs AnalysisB.14 Education Savings VehiclesB.14.1 529 Plans In-DepthB.15 Education Funding StrategiesB.16 Gift/Income Tax Strategies
C.17 Principles of Risk and InsuranceC.17.1 Risk Management ProcessC.18 Analysis of Risk ExposuresC.19 Health Insurance FundamentalsC.19.1 Types of Health Insurance PlansC.20 Disability Income InsuranceC.20.1 Disability Policy FeaturesC.21 Long-Term Care InsuranceC.22 Annuities OverviewC.22.1 Fixed vs. Variable AnnuitiesC.23 Life Insurance FundamentalsC.23.1 Types of Life InsuranceC.24 Business Owner Insurance SolutionsC.25 Insurance Needs AnalysisC.26 Insurance Policy and Company Selection
D.27 Equity SecuritiesD.27.1 Fixed Income SecuritiesD.27.2 Mutual Funds and ETFsD.27.3 Taxation of Investment VehiclesD.28 Systematic RiskD.28.1 Unsystematic RiskD.29 Economic and Market CyclesD.30 Measures of Risk and ReturnD.30.1 Investment Performance MeasuresD.31 Asset Allocation StrategiesD.31.1 Portfolio DiversificationD.32 Bond and Stock ValuationD.32.1 Stock Valuation ModelsD.33 Investment Policy StatementD.33.1 Modern Portfolio TheoryD.34 Active vs. Passive InvestingD.34.1 Common Investment StrategiesD.35 Alternative InvestmentsD.35.1 Options and Derivatives
E.36 Income Tax FundamentalsE.36.1 Filing Status and Tax BracketsE.37 Types of IncomeE.37.1 Deductions and CreditsE.37.2 Capital Gains and LossesE.38 Business Entity TaxationE.38.1 Self-Employment TaxE.39 Taxation of Trusts and EstatesE.40 Tax Reduction StrategiesE.40.1 Retirement Account Tax StrategiesE.41 Property TransactionsE.41.1 Basis Rules for Acquired PropertyE.42 AMT and NIITE.42.1 Special Tax SituationsE.43 Charitable Giving Strategies
F.44 Retirement Needs AnalysisF.44.1 Sources of Retirement IncomeF.45 Social Security BenefitsF.45.1 Social Security Claiming StrategiesF.45.2 Medicare PlanningF.46 Eldercare and Special Needs PlanningF.47 Qualified Plan OverviewF.47.1 Defined Benefit Pension PlansF.47.2 Defined Contribution PlansF.48 Eligibility and VestingF.48.1 Coverage and Discrimination TestingF.48.2 Contribution and Benefit LimitsF.48.3 401(k) Plan FeaturesF.49 Non-Qualified Deferred CompensationF.49.1 Executive Compensation PlansF.50 Retirement Plan Selection for BusinessesF.50.1 Individual Retirement AccountsF.51 Distribution RulesF.51.1 Required Minimum DistributionsF.52 Retirement Income StrategiesF.52.1 Tax-Efficient Withdrawal StrategiesF.53 Business Succession Planning
G.54 Property Titling and Beneficiary DesignationsG.54.1 Beneficiary DesignationsG.55 Strategies to Transfer PropertyG.55.1 Lifetime Gifting StrategiesG.56 Wills and Estate DocumentsG.56.1 Powers of AttorneyG.56.2 Advance Directives and Healthcare DocumentsG.57 Federal Gift TaxG.57.1 Federal Estate TaxG.57.2 Generation-Skipping Transfer TaxG.58 Sources for Estate LiquidityG.58.1 Life Insurance for Estate LiquidityG.59 Trust FundamentalsG.59.1 Revocable Living TrustsG.59.2 Irrevocable TrustsG.59.3 Trust Income TaxationG.60 Marital Deduction PlanningG.60.1 QTIP TrustsG.60.2 Portability of Estate Tax ExemptionG.61 Intra-family and Business Transfer TechniquesG.61.1 Family Limited PartnershipsG.61.2 GRATs and IDGTsG.62 Postmortem Estate Planning TechniquesG.62.1 Disclaimer PlanningG.62.2 Estate Tax ElectionsG.63 Planning for Divorce and Unmarried CouplesG.63.1 Estate Planning for Unmarried CouplesG.63.2 Planning for Blended FamiliesG.64 Planning for Special Needs and CircumstancesG.64.1 Special Needs TrustsG.64.2 ABLE Accounts
H.65 Client and Planner Attitudes, Values, BiasesH.65.1 Money Scripts and Money AttitudesH.65.2 Planner Self-AwarenessH.66 Behavioral FinanceH.66.1 Cognitive BiasesH.66.2 Emotional BiasesH.66.3 Heuristics and Mental AccountingH.67 Sources of Money ConflictH.67.1 Couples and Money ConflictH.67.2 Family and Intergenerational Money ConflictH.68 Principles of CounselingH.68.1 Therapeutic Techniques in Financial PlanningH.68.2 Professional Boundaries and ReferralsH.69 General Principles of Effective CommunicationH.69.1 Listening and Questioning SkillsH.69.2 Managing Difficult ConversationsH.69.3 Non-Verbal CommunicationH.70 Crisis Events with Severe ConsequencesH.70.1 Death and DivorceH.70.2 Job Loss and Health CrisisH.70.3 Sudden Wealth and Sudden LossH.70.4 Natural Disasters and Traumatic Events
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CFP Exam Details
Certified Financial Planner
Administered by CFP Board
Scaled score (varies)
Passing Score
170
Questions
6
Hours
$925
Exam Fee
Study time: 250-300 hours
Prerequisites: Bachelor's degree, education requirement, experience requirement
Exam Content Breakdown
Based on the official CFP Board content outline
Professional Conduct & Regulation12%
Ethics, fiduciary duty, practice standards
General Financial Planning Principles15%
Financial statements, TVM, education planning
Risk Management & Insurance11%
Life, health, disability, property insurance
Investment Planning17%
Securities, portfolio theory, asset allocation
Tax Planning14%
Income tax, deductions, entity taxation
Retirement Savings & Income Planning18%
Qualified plans, Social Security, distributions
Estate Planning12%
Trusts, transfer taxes, estate administration
Psychology of Financial Planning7%
Behavioral finance, client communication
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What's Next After the CFP?
After passing the CFP, you can pursue these career paths
CFA
Chartered Financial Analyst
ChFC
Chartered Financial Consultant
CLU
Chartered Life Underwriter
CFP Exam FAQ
Course Content
1
A. Professional Conduct and Regulation
12 sections
2
B. General Principles of Financial Planning
19 sections
3
C. Risk Management and Insurance Planning
15 sections
4
D. Investment Planning
19 sections
5
E. Tax Planning
15 sections
6
F. Retirement Savings and Income Planning
22 sections
7
G. Estate Planning
31 sections
8
H. Psychology of Financial Planning
22 sections
Official CFP Board Resources
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