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The letters ChFC stand for Chartered Financial Consultant, a professional designation which indicates that an individual has prepared extensively for counseling clients on financial planning. A ChFC (r) serves as an advisor, guiding you in establishing and implementing your financial goals. Through the ChFC’s experience, you can chart a profitable course for your future security.

In order to earn the designation, a ChFC (r) must pass a rigorous curriculum of ten college-level courses. The designation which typically takes four to five years to complete, equips the ChFC (r) with the skills needed to offer you professional financial guidance. The ChFC (r) candidate must also have a minimum of three years experience in the financial industry. In receiving the designation, the ChFC (r) makes a pledge to high ethical standards designed to maintain the integrity of the profession.

The ChFC (r) stays abreast of new developments and changes in the industry through membership in the American Society of CLU & ChFC (r). The Society provides its members with a broad spectrum of continuing education programs and services, including seminars, journals, teleconferences, and other reference materials produced by experts in the industry. These resources allow the ChFC (r) to keep in touch with the rapidly changing financial climate and help you accumulate and preserve your assets.

The ChFC (r) designation is conferred by The American College, an independent academic institution accredited by the Middle Atlantic Association of Colleges and Schools.


The three letters stand for Chartered Life Underwriter, a prestigious designation awarded to professionals in the insurance and financial services industry. CLU’s are highly qualified experts who can assist you with individual and business financial planning concerns, such as choosing life and health insurance, estate planning, and retirement planning. Because they have earned this designation through meeting extensive educational, experience, and ethical requirements, CLU’s have the knowledge it takes to guide you in making sound financial decisions.

CLU’s are the cream of the crop in the insurance and financial services industry. Only a select group -- fewer than five percent (5%) of those employed in the field – have qualified to earn this designation.

The requirements for becoming a CLU are stringent. In order to be fully prepared to advise clients on insurance and financial services, each CLU candidate must pass a comprehensive curriculum of ten college-level courses. Professionals who achieve the CLU designation must also have a minimum of three years experience in the industry. And, to preserve the integrity of the designation, all CLU’s must subscribe to a strict code of professional ethics. Failure to do so can result in revocation of the designation.

CLU’s also have access to an extensive network of continuing education programs through membership in the American Society of CLU & ChFC.

Don’t leave your future to chance. Take advantage of the CLU’s education and expertise when you need counsel on your insurance and financial concerns. A CLU can provide professional guidance, supplemented with timely, accurate information that will help you make wise decisions for your family and your business. When your financial security is involved, you want the best. Call a CLU – your partner in financial planning.