QF 401

FUNDAMENTAL CONSIDERATIONS IN THE WEALTH MANAGEMENT PROCESS:
Reviews the relevant principles to consider in the asset allocation process; investment strategies; explanations and examples of basic time value of money computations; basic tax implications; retirement and estate planning.

QF 402

TIME VALUE OF MONEY PRINCIPLES:
Introduces present and future value applications and how they relate to the financial planning practice; use of the financial function calculator; loan, mortgage, and lease payment calculations.

QF 403

MEASUREMENT OF RISK AND RETURN:
Analyzes the risk/return relationship of investments; statistical measurements of a portfolio's risk and performance; explains selected portfolio management techniques.

QF 404

THE ASSET ALLOCATION PROCESS:
Examines returns of various asset classes over specified time horizons; discusses practical approaches to asset allocation; evaluates various situations to determine optimal asset allocation strategies.

QF 405

INVESTMENT STRATEGIES:
Examines various types of investment strategies; calculates historical returns of equity and fixed income investments; assesses the performance of assets within a portfolio; and discusses the use of selected portfolio management techniques, value investing, and growth stock investing.

QF 406

TAX IMPLICATIONS AND STRATEGIES IN THE FINANCIAL PLANNING PROCESS:
Examines the tax consequences of individual stocks, bonds, insurance-based products, real estate ownership, and derivatives; identifies tax opportunities and strategies based on client profiles; also looks at income tax systems, tax filing statuses, AMT (alternative minimum tax), and other tax calculations.

QF 407

CREDIT AND LENDING:
Provides an overview of credit and debt and presents issues to consider when selecting and securing a mortgage. Collateralized loans, loan options for education expenses and financing options available to affluent investors are also discussed.

QF 408

INSURANCE PRODUCTS IN WEALTH MANAGEMENT:
Explains the concepts used in an insurance needs analysis. Personal and business uses of insurance are also discussed, as well as types of insurance available to clients, long-term care insurance, liability policies, and annuity contracts.

QF 409

EDUCATION FUNDING:
Discusses the various planning techniques available to meet education costs. Education funding vehicles, such as the American Opportunity Tax Credit, the Lifetime Learning Credit, and Section 529 plans are also presented.

QF 410

BUSINESS OWNERSHIP AND PLANNING:
Examines characteristics of the types of business entities for various circumstances, as well as the financing, operation and disposition of closely held corporations.

QF 411

RETIREMENT PLANNING CONSIDERATIONS:
Describes the basic steps in the retirement planning process and identifies possible sources of retirement income; discusses the basic provisions of employer-sponsored retirement plans and Social Security, and the use of traditional and Roth IRAs in retirement planning.

QF 412

EQUITY COMPENSATION:
Explains incentive stock options, non-qualified stock options, and the tax consequences of each; restricted stock, stock appreciation rights (SARs) and employee stock purchase plans; purpose and benefits of nonqualified deferred compensation plans.

QF 413

ESTATE PLANNING:
Presents the most important reasons for estate planning, with descriptions of the various tools used to meet the estate wishes of clients. Includes a discussion of tax consequences of charitable deductions, trusts, asset titling, and tax credits.