Chartered Healthcare Consultant - The American College
Chartered Healthcare Consultant - The American College
Chartered Healthcare Consultant - The American College
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We understand your unique needs as financial services professionals. Whether you are juststarting out in the financial services industry, focused in a specialized field, or looking toadvance your career, we offer the highest quality education that fits into your busy life andwork schedule. Our courses are researched and written by our own staff — the nation’s topthought leaders in financial services.Our institution is dedicated to offering superb programs that develop and refine your skills asa professional so that you can serve consumers knowledgeably, ethically and professionally.Use the graphic below to determine which designation or program of study is right for you. Ifyou need further guidance, please contact one of our Professional Education counselors at888-263-7265.tmChHC<strong>The</strong> New Worldof <strong>Healthcare</strong><strong>Healthcare</strong> Reform:What you need to know®CLUInsurance SpecialtyDevelop a greater understandingof the insuranceneeds of individuals,business owners andprofessional clients®CLFAgency LeadershipDevelop key organizationaland management techniquesLUTCFInsuranceFundamentalsAcquire essential productknowledge and basicplanning concepts®RHUHealth InsuranceBroaden your expertisein group health insuranceand benefits®REBCEmployee BenefitsGain a competitiveedge in the employeebenefits industry®ChFCAdvanced FinancialPlanningAcquire in-depth knowledge infinancial planning disciplines®CFPFinancial PlanningCertificationFinish your CFP ® Certificationcurriculum with the leading providerof financial education®CASLRetirement CoachingComplete a rigorous programthat prepares you as a“retirement coach” for your clients®CAPPhilanthropyProvide value-added expertise anddevelop confidence in philanthropicplanning and charitable givingFSSFinancial Services BasicsEstablish yourself with practicalsales skills that canhelp increase your productionMSFSMaster’s In Financial ServicesLearn the tools you need to analyze, planand implement financial strategiesMSMMaster's In LeadershipAcquire both strategic and tacticalexecutive-level leadership skillsCertified Financial Planner Board of Standards Inc. owns the certification marks CFP ® CERTIFIED FINANCIAL PLANNER, and CFP (with flame logo) ® in the U.S., which it awards to individuals who successfully complete CFP Board’s initialand ongoing certification requirements.5
How to Earn Your Designation or Master’s Degree1 Determine which designation or degree is right for you. 6<strong>The</strong> <strong>American</strong> <strong>College</strong> offers a continuum of educational programs for professionalsat any stage of their careers. Please call our Professional Education counselors, visitour website or read through the descriptions in this catalog to learn more about ourprograms.Complete the course requirements and pass your courseexamination.For all programs, you must pass the course examination to earn credit for the courseor satisfy transfer of credit requirements. If you are taking LUTCF or FSS courses, youalso must meet classwork, attendance, participation and term grade requirements.2345Determine your program requirements and selectyour course(s).Once you have selected a program, review the requirements and select your courses.Descriptions for all of our courses are provided on pages 54-66 of this catalog.Depending on the program, courses are offered in a variety of formats: self-study,local classes, live online or through our online training center.Complete and submit the appropriate registrationform(s).Course registration forms are located on pages 83-85. Use the fee information foundon page 78 to complete an appropriate course registration form and return it withyour payment. When you register for most Huebner School (HS) and Graduate School(GS) self-study courses, you will receive an exam ticket and instructions on how toschedule your exam.Receive your course materials, plan your study scheduleand study.Depending on the course, various study materials — such as texts, study guides, syllabi,audio reviews and online enhancements — are included with your course tuition. Youcan expect your study materials to arrive 10 business days after we receive your paidregistration and enter it into our system. Since our courses are frequently updated, thesestudy materials are developed to reflect the exam content for a specific period of time.BlackboardOne of the best student resources to utilize is our online learning center, Blackboard.Sponsored by Pacific Life Foundation, this online study tool is customized for eachcourse and serves as a portal to your academic success. Blackboard offers a variety ofservices including practice exams and reading supplements, 24/7 access to coursematerial, key term flashcards, audio reviews and learning aids. This online learningcenter also functions as a communication device to talk to your professors and classmates,and additionally to get late-breaking course updates or to receive course advice.78910Select your next course and continue working towardyour designation or degree.Once you have completed a course, use <strong>The</strong> <strong>American</strong> <strong>College</strong> website to determineyour next course. Under the “Academics” tab, you will find your desired designationalong with information on course requirements and electives. Additionally, <strong>The</strong><strong>American</strong> <strong>College</strong> has professional and friendly counselors to call to help guide youthrough this selection process. For assistance, please contact us at: 888-263-7265Complete the certification process, receive yourdesignation or degree and enjoy the benefits of<strong>The</strong> <strong>American</strong> <strong>College</strong> Alumni Association.<strong>The</strong> Registrar certifies that you have met all designation requirements and notifies youas to when you may start using your new designation and that you may participate in<strong>The</strong> <strong>College</strong>’s commencement exercises at our Knowledge Summit. (See page 73 andthe back cover.)For selected designations, maintain ongoing continuingeducation and ethics requirements and pay applicablerecertification fees.Along with our highly respected designations, Your <strong>College</strong> offers a variety of waysto stay updated on the latest knowledge in the industry by providing CE and ethicsrequirements. Take advantage of these opportunities to stay relevant and secureprinciples in your profession.Continue to grow as a professional by earning anadditional designation or a graduate degree.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 7
Here to ServeWho answers the phone when you call?<strong>The</strong> Professional Education Distribution (PED) Division manages all facets of a student’s experience with <strong>The</strong> <strong>American</strong><strong>College</strong> from initial enrollment through graduation. Our experienced counselors endeavor to provide timely and accurateresponses to all questions and inquiries. We are prepared to offer guidance and advice on our several programs. <strong>The</strong> goal ofour entire team is to assist you in reaching your personal goals through educational opportunities at <strong>The</strong> <strong>American</strong> <strong>College</strong>.In 2011, our PED team will be initiating a number of new processes to make your experience at <strong>The</strong> <strong>College</strong> more efficient.In most cases, we can respond to any question with a single telephone call. In those instances where additional research ismandated, we will promise to return your inquiry with a viable response within two working days.Most of our counselors actually have been tabbed as “go to people” by our customers. That is, because our counselorshave provided exemplary customer care to our students, those same students tend to ask for a specific counselor “byname” when they call in to <strong>The</strong> <strong>College</strong>. Our staff is very proud of the fact that they are “sought out” by students andgraduates. This illustrates the customer care bond that we seek to establish with our clients.Students, graduates and prospective students can reach our trained counselors via phone, e-mail, or conventional mail.While we handle over 130,000 incoming requests for information annually, our response time has been decreasing thanksto our advanced training program and technological support. During the past year, written commendations regardingservice quality have exceeded our benchmarks. Our commitment is to help you satisfy your educational goals while astudent at <strong>The</strong> <strong>American</strong> <strong>College</strong>.Contact us today to see how we can help your career: 888-263-72658
ChHC <strong>Chartered</strong> <strong>Healthcare</strong> <strong>Consultant</strong> Your Competitive Advantage in the New World of <strong>Healthcare</strong>Start with <strong>The</strong> Essentials of <strong>Healthcare</strong> Reform (HS 345)<strong>The</strong> starting point for the ChHC, the first comprehensive academic credential to incorporate all of the new dynamicsaround healthcare reform, is <strong>The</strong> Essentials of <strong>Healthcare</strong> Reform course (HS 345).This 10-week program is delivered in the popular webcast format, with proctored exams in convenient local testingcenters for full college credit.<strong>The</strong> Essentials of <strong>Healthcare</strong> Reform covers such key topic areas as:• Mandated changes and immediate adjustments to social programs• <strong>The</strong> terms and definitions to operate in the new environment• Programs and incentives offered by the government• Effective dates and timelines• Grandfathered plans and employer advantages and disadvantages• State exchanges and the “navigator” role• Medical loss ratios• Internal and external review processes• Early Retiree Reinsurance Program (ERRP)• Impacts to HIPAA, ERISA and the CLASS Act• Effect on FSAs, HSAs and Cafeteria Plans• How advisor business models will be impacted<strong>The</strong> information benefits advisors need now:“<strong>The</strong> ChHC TM (<strong>Chartered</strong> <strong>Healthcare</strong> <strong>Consultant</strong> TM )credential is the most robust, credibledesignation for healthcare consultants. That’sthe way we’re designing the program, andit’s built on real-time information. In fact,students who take <strong>The</strong> Essentials of<strong>Healthcare</strong> Reform course will have access toupdates for a full year to keep them currentas implementation changes are made tohealthcare reform.” — Allen C. McLellan, LUTCF, CLU, ® ChFC, ®CASL, ® CFP ®Associate Dean; Assistant Professor of Insurance<strong>The</strong> <strong>American</strong> <strong>College</strong>10Passage of healthcare reform legislation has brought tremendous change to all areas of the <strong>American</strong> healthcareand insurance industries. Advisors need the relevant, real-time information the ChHC curriculum contains to beable to provide clients with meaningful answers.<strong>The</strong> Essentials of <strong>Healthcare</strong> Reform is just the first of six rigorous courses needed for advisors to complete the<strong>Chartered</strong> <strong>Healthcare</strong> <strong>Consultant</strong> designation, the premier educational program that offers an advanced understandingof the new complexities in healthcare.Professionals pursuing this designation will gain the knowledge, skill, and confidence necessary to counselclients on the full spectrum of health insurance options and to diversify their business models into fee-basedhealthcare consulting.Who should take <strong>The</strong> Essentials of <strong>Healthcare</strong> Reform course?<strong>The</strong>re is so much knowledge here that advisors must have to be effective now, whether they are calling onindividuals or businesses. Even those who don’t routinely work on the healthcare side of benefits will want to knowthe basic terminology and parameters of the new law, because ancillary benefit programs also will be affected.<strong>Healthcare</strong> is what employers and individuals are thinking about, and these courses offer the first in-depth,comprehensive approach to quality education on the issue.
Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/<strong>Healthcare</strong>Self-Study Program Curriculum See the Course Description pages for more details.NEWNEWCourse titleCourse NUMBERRequired Courses (5)<strong>The</strong> Essentials of <strong>Healthcare</strong> Reform (Now Available) HS 345<strong>The</strong> <strong>Healthcare</strong> <strong>Consultant</strong> (Available 4/11) HS 346Individual Health Insurance HS 313Group Benefits HS 325Advanced Topics in Group Benefits HS 340Elective Courses (Select 1)Planning for Retirement Needs HS 326Executive Compensation HS 342Compensation and Personnel Management HS 343Advanced Topics in Managed Care HS 344Health and Long-Term Care for Seniors HS 351How to register for your courses:Register for all programs at <strong>The</strong> <strong>American</strong> <strong>College</strong> inone of three easy ways.• Online: Create your user account and register foryour course at <strong>The</strong><strong>American</strong><strong>College</strong>.edu• Mail or Fax: Complete the course registrationform in this catalog and return via mail or fax.• Phone: Call Professional Education, Monday –Friday, 8 a.m. - 7 p.m. ET at 888-263-7265.See Admission and Registration on page 80 formore details.Learn More:Contact a Professional Education counselor todayto discuss your educational options: 888-263-7265and visit <strong>The</strong><strong>American</strong><strong>College</strong>.edu/<strong>Healthcare</strong>for updates.Additional program requirementsIn addition, designees must adhere to <strong>The</strong> <strong>American</strong> <strong>College</strong> Code of Ethics, have a minimum of three years ofprofessional experience, and comply with <strong>The</strong> <strong>College</strong>’s PACE continuing education and recertification program.Please refer to <strong>The</strong><strong>American</strong><strong>College</strong>.edu/PACE for more information.See Program Completion on pages 70-71 for more details.Earn a Certificate in <strong>Healthcare</strong> Reform Studies!Students completing the first two courses in the ChHC curriculum, <strong>The</strong> Essentials of <strong>Healthcare</strong> Reform and <strong>The</strong><strong>Healthcare</strong> <strong>Consultant</strong>, will earn a special Certificate in <strong>Healthcare</strong> Reform Studies to demonstrate their mastery ofthis knowledge to clients and colleagues.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu11
LUTCFLife Underwriter Training Council FellowFast-Start Sales Training for Insurance ProfessionalsSuccess Skills That Will Help You Move to the Next LevelModerated by experienced financial services leaders, Life Underwriter Training Council Fellow (LUTCF) classes putyou on the fast track for success. By combining essential product knowledge with basic planning concepts, theLUTCF has helped thousands of insurance professionals boost their earnings by as much as 40 percent.We keep classes small, emphasizing individual participation and progress through extensive use of assignments thatrequire you to apply what you learn from the text and in the classroom. CE credit is available for many courses, andthose who decide to complete at least six courses (including FA 290) will earn the respected LUTCF credential.<strong>The</strong> <strong>American</strong> <strong>College</strong> and the National Association of Insurance and Financial Advisors(NAIFA) jointly confer the LUTC Fellow (LUTCF) designation, which has been earned bymore than 68,000 professionals.Program Curriculum See the Course Description pages for more details.Course titleCourse NUMBERSelect Any five Plus FA 290 (required)“LUTCF is the foundation of your insurancebased financial service success. It will placeyou on the fast track of seeing the people,fact finding, and providing the value addedthey are looking for in a financial serviceprofessional. <strong>The</strong> <strong>American</strong> <strong>College</strong> has agreat course. Enroll today.”— Louis P. DiCerbo II, LUTCF, CLU, ® ChFC ®Chairman and CEO,PCP Benefit Plans Ltd.<strong>The</strong> <strong>American</strong> <strong>College</strong>Foundation Board of DirectorsTechniques for Prospecting: Prospect or Perish [1, 2, 3] FA 200Techniques for Exploring Personal Markets [1, 2, 3] FA 201Techniques for Meeting Client Needs [1, 2, 3] FA 202Marketing Financial Services to Women [2] FA 204Essentials of Disability Income Insurance [1, 2, 3] FA 211Essentials of Multiline Insurance Products [1, 2] FA 222Essentials of Business Insurance [1, 2, 3] FA 251Essentials of Long-Term Care Insurance [1, 2, 3] FA 255Essentials of Annuities [1, 2] FA 256Essentials of Life Insurance Products [1, 2, 3] FA 257Foundations of Retirement Planning [1, 2, 3] FA 261Foundations of Investment Planning [1, 2] FA 264Foundations of Estate Planning [1, 2, 3] FA 271Ethics for the Financial Services Professional (Self-Study) FA 290Course formats available: 1. Local class; 2. Live online class; 3. Online Training CenterPlease note: All FA courses, whether in the classroom or online, only qualify for self-study CE. (Texas and Utah studentsshould take special note.)LUTCF only: If you currently hold the FSS designation, you may receive the LUTCF designation upon completion of threeelective courses from the other course offerings, provided that you have not used these elective courses to qualify for yourFSS designation. You cannot receive duplicate credits for the same course or its replacement.12
Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/LUTCFCompletionConvenient Course Formats for Your Busy LifestyleHow to register for your courses:• Live Local Classes – Designed for students who like structure and face-to-face interaction with moderators andRegister for all programs at <strong>The</strong> <strong>American</strong> <strong>College</strong> inpeers. A wide selection of classes is available in hundreds of U.S. cities from coast to coast.one of three easy ways.•• Live Online Classes – Attend live, instructor-led classes from your home or office PC. <strong>The</strong>se interactiveOnline: Create your user account and register forwebinars offer a convenient, time-saving way to participate in classes without needing to travel. All assignmentsyour course at <strong>The</strong><strong>American</strong><strong>College</strong>.eduare submitted online, and the final proctored exam is taken online through <strong>The</strong> <strong>College</strong>’s Online Learning Center• Mail or Fax: Complete the course registration(Blackboard) website. (Students licensed in New York take paper exams.)form in this catalog and return via mail or fax.• Online Training Center (OTC) – Selected courses are offered online through the LUTCF Online Training Center,• Phone: Call Professional Education, Monday –allowing students to interact via online discussion boards on their own schedule. OTC courses capture theFriday, 8 a.m. - 7 p.m. ET at 888-263-7265.essentials of the LUTC experience: quizzes, action and sales planning projects, and interaction with moderatorsSee Admission and Registration on page 80 forand other students. <strong>The</strong> difference is that students learn at a time convenient for them. All assignments aremore details.submitted online, and the final exam is taken online through <strong>The</strong> <strong>College</strong>’s Online Learning Center (Blackboard)website. (Students licensed in New York take pencil and paper exams.)Find a class near you• To search for a moderator and course near you,Additional Program Requirementsvisit <strong>The</strong><strong>American</strong><strong>College</strong>.edu/ClassSearchAfter you have completed your coursework and passed your exams, a few other requirements need to be fulfilled:• To organize a class, find your local NAIFA• NAIFA membership in the year you apply for your designationchairperson at:• Submit a completed LUTCF/FSS designation application, accessible online at:<strong>The</strong><strong>American</strong><strong>College</strong>.edu/NAIFAChairs<strong>The</strong><strong>American</strong><strong>College</strong>.edu/LUTCFCompletion• Take the Professional Ethics PledgeWhy become a moderator?•See Program Completion on pages 70-71 for more details.Give back to the industry that has brought you somuch success.• Help your colleagues who are new to the industry.Moving Your Career Forward ›››• Earn up to $1,000 moderating LUTCF classes openPlan your next designation or program and continue to the next level of your career. Sign up for the FSS, ChFC ®to NAIFA members, depending on class size.or CLU ® designation. <strong>The</strong> LUTCF designation counts as one elective credit towards the CLU ® and ChFC ® .** Accelerated Success program is not eligible.How to become a moderatorIf you have five years’ experience in the financialservices field, we invite you to become one of our live“If you’re in the financial services industry, and you want to attain the highest level of customeror online class moderators. Moderating a class is easyand offers you an opportunity to share your knowledge,network with colleagues and earn coursesatisfaction, the Life Underwriter Training Council Fellow (LUTCF) program is for you. In today’scredit free of charge.global economy and current economic uncertainty, your long-term success is determined bybottom line performance. You will receive constructive feedback and insights from world-classFor additional information:Call 888-263-7265 or send an e-mail to:moderators and receive specific action steps for resolving current and future challenges. YouProfessionalEducation@<strong>The</strong><strong>American</strong><strong>College</strong>.eduYou also may access your moderator application at:will get the results you want.” — Peter J. Coleman, ChFC, ® CLU, ® CFP ® <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Moderators<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu13
FSSFinancial Services SpecialistPractical Sales Training for Financial Services ProfessionalsGetting Your Start in Financial Services<strong>The</strong> skills you will learn from our distinguished faculty and experienced industry leaders will provide you with thetools to give the best recommendations regarding your clients’ overall financial situations, values and other financialneeds. As a Financial Services Specialist (FSS) student, you will learn about the financial planning environment andprocess. You’ll gain essential product knowledge while learning practical selling and planning skills that have beenshown to boost production by as much as 40 percent.Convenient Course Formats• Live Local Classes – Designed for students who like structure and face-to-face interaction with moderators andpeers. A wide selection of classes is available in hundreds of U.S. cities from coast to coast.• Live Online Classes – Attend live, instructor-led classes from your home or office PC. <strong>The</strong>se interactive webinarsoffer a convenient, time-saving way to participate in classes without needing to travel. All assignments aresubmitted online, and the final exam is taken online through <strong>The</strong> <strong>College</strong>’s Online Learning Center (Blackboard)website. (Students licensed in New York take paper exams.)“<strong>The</strong> FSS program is more than just theory.It is a ‘hands on‘ practical experience thatwill serve you well as the foundation forbecoming a value added, trusted advisor.<strong>The</strong> relationships you form with themembers of your classes will also serve as apersonal ‘advisory board‘ for the earlieryears of your career. As each of you willshare those tips and techniques that workbest for you, you will build your personal‘professional tool kit‘.”• Online Training Center (OTC) – Selected courses are offered online through the Online Training Center, allowingstudents to interact via online discussion boards on their own schedule. OTC courses provide hands-on planningprojects, quizzes and interaction with moderators and other students, along with giving students the ability tocontribute and learn at a time convenient for them. All assignments are submitted online, and the final exam istaken online through <strong>The</strong> <strong>College</strong>’s Online Learning Center (Blackboard) website. (Students licensed in New Yorktake paper exams.)Additional Program RequirementsAfter you have completed your coursework and passed your exams, a few other requirements need to be fulfilled:• NAIFA membership in the year you apply for your designation• Submit a completed LUTCF/FSS designation application, accessible online at:<strong>The</strong><strong>American</strong><strong>College</strong>.edu/FSSCompletion• Take the Professional Ethics PledgeSee Program Completion on pages 70-71 for more details.— Kevin M. Lynch, CFP, ® ChFC, ® CLU, ® RHU, ®REBC, ® CASL, ® CAP, ® CLF, ® LUTCF, FSSAssistant Professor of Insurance<strong>The</strong> <strong>American</strong> <strong>College</strong>14
Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/FSSSelf-Study Program Curriculum See the Course Description pages for more details.Course titleCourse NUMBERRequired Core Courses (3)Foundations of Financial Planning: An Overview [1, 2, 3] FA 262Foundations of Financial Planning: <strong>The</strong> Process [1, 2, 3] FA 263Ethics for the Financial Services Professional (Self-Study) FA 290Elective Courses (Select 3)Techniques for Prospecting: Prospect or Perish [1, 2, 3] FA 200Techniques for Exploring Personal Markets [1, 2, 3] FA 201Techniques for Meeting Client Needs [1, 2, 3] FA 202Marketing Financial Services to Women [1, 2, 3] FA 204Essentials of Disability Income Insurance [1, 2, 3] FA 211Essentials of Multiline Insurance Products [1, 2, 3] FA 222Essentials of Business Insurance [1, 2, 3] FA 251Essentials of Long-Term Care Insurance [1, 2, 3] FA 255Essentials of Annuities [1, 2, 3] FA 256Essentials of Life Insurance Products [1, 2, 3] FA 257Foundations of Retirement Planning [1, 2, 3] FA 261Foundations of Investment Planning [1, 2] FA 264Foundations of Estate Planning [1, 2, 3] FA 271Course formats available: 1. Local class; 2. Live online class; 3. Online Training CenterPlease note: All FA courses, whether in the classroom or online, only qualify for self-study CE.(Texas and Utah students should take special note.)FSS only: If you currently hold the LUTCF designation, you may receive the FSS designation upon completion of FA 262, FA263, FA 290 (or a prior LUTC Ethics course) and one additional moderated course. <strong>The</strong> elective course cannot be a courseyou took to qualify for the LUTCF designation. You cannot receive duplicate credits for the same course or its replacement.How to register for your courses:Register for all programs at <strong>The</strong> <strong>American</strong> <strong>College</strong> inone of three easy ways.• Online: Create your user account and register foryour course at <strong>The</strong><strong>American</strong><strong>College</strong>.edu• Mail or Fax: Complete the course registrationform in this catalog and return via mail or fax.• Phone: Call Professional Education, Monday –Friday, 8 a.m. - 7 p.m. ET at 888-263-7265.See Admission and Registration on page 80 formore details.Moving your career forwardPlan your next designation or program and continueto the next level of your career. Sign up for the CLU ® ,ChFC ® or LUTCF designation.Why become a moderator?• Give back to the industry that has brought you somuch success.• Help your colleagues who are new to the industry.• Earn up to $1,000 moderating FSS classes open toNAIFA members, depending on class size.How to become a moderatorIf you have five years’ experience in the financialservices field, we invite you to become one of our liveor online class moderators. Moderating a class is easyand offers you an opportunity to share your knowledge,network with colleagues and earn coursecredit free of charge.For additional information:Call 888-263-7265 or send an e-mail to:NAIFACare@<strong>The</strong><strong>American</strong><strong>College</strong>.eduYou may also access your moderator application at:<strong>The</strong><strong>American</strong><strong>College</strong>.edu/Moderators<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu15
ChFC ® <strong>Chartered</strong> Financial <strong>Consultant</strong> ®<strong>The</strong> Industry’s Most Complete Financial Planning ProgramReach Your Career Goals with this Program<strong>The</strong> <strong>Chartered</strong> Financial <strong>Consultant</strong> ® (ChFC ® ) program prepares you to meet the advanced financial planning needsof individuals, professionals and small business owners. You’ll gain a sustainable advantage in this competitive fieldwith in-depth coverage of the key financial planning disciplines, including insurance, income taxation, retirementplanning, investments and estate planning.Self-Study Allows You to Earn the ChFC ® Your WaySelf-study gives you total flexibility. <strong>The</strong>re are no scheduled classes at a designated location and no weekly assignments.You can study at your own pace, wherever it is most convenient for you. Complete your program as fast asyou like with leading-edge texts and access to extensive online study aides at no additional charge, including:• Supplemental readings• Online discussion with course professors• Multimedia resources• Practice examsClass and Study Options• Check our website for more information on live review classes and online study options.• Our Horizons program, a DVD lecture series featuring top faculty, offers a convenient and cost-effective way tohost live, weekly ChFC ® classes in your office. Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Horizons• Study at your own pace and choose how long you’ll take to complete your coursework. Access extensive onlinestudy support and practice exams through our Online Learning Center (Blackboard) website, all included in thecost of your tuition.“To become a more proficient financialadvisor, the ChFC ® program is a great stepfor your career. <strong>The</strong> courses are thoroughand address the challenges you will face inthis competitive market. <strong>The</strong> ChFC ®program is proof of why <strong>The</strong> <strong>American</strong><strong>College</strong> is the leader in financial services.”— Gloria La Grassa, CLU, ® ChFC ®<strong>The</strong> <strong>American</strong> <strong>College</strong> Foundation Board ofDirectors — RetiredPast Corporate Secretary, <strong>The</strong> <strong>American</strong><strong>College</strong> Board of TrusteesAccelerated Success Monthly Payment Plan• Easy, low monthly payments are available.• Materials for each course will automatically be shippedto you when you finish the previous one.• Great for independent agents and brokers.It’s the most convenient way to finish your program. Visit<strong>The</strong><strong>American</strong><strong>College</strong>.edu/Success for more details.Moving Your Career ForwardConsider specializing in retirement coaching or philanthropyand earn your CASL ® or CAP ® designation. You also canearn your Master’s degree through <strong>The</strong> <strong>American</strong> <strong>College</strong>.We offer a Master of Science in Management and a Masterof Science in Financial Services. Visit our website formore details.<strong>The</strong> Commitment of a ChFC ®“In all my professional relationships, I pledge myselfto the following rule of ethical conduct: I shall, inlight of all conditions surrounding those I serve,which I shall make every conscientious effort toascertain and understand, render that servicewhich, in the same circumstances, I would applyto myself.”ChFCHighestStandard.com16
Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/ChFCSelf-Study Program Curriculum See the Course Description pages for more details.Course titleRequired Courses (7)Financial Planning: Process and Environment* HS 300Fundamentals of Insurance Planning* HS 311Income Taxation HS 321Planning for Retirement Needs HS 326Investments HS 328Fundamentals of Estate Planning HS 330Financial Planning Applications HS 332Elective Courses (Select 2)<strong>The</strong> Financial System in the Economy HS 322Estate Planning Applications HS 334Executive Compensation HS 342Financial Decisions for Retirement HS 352* Students who have already taken HS 318 cannot take HS 300 or HS 311 for credit toward theChFC ® designation and must take three electives. Students who have taken HS 318 and passed the CFP ®Certification exam may be eligible for a transfer of credit.Students who have matriculated and registered for a course in the ChFC ® before October 1, 2009, aresubject to the eight course curriculum, in which HS 332 is still an elective.If you earn the ChFC ® designation, you also may earn the CLU ® designation by completing a minimumof three additional courses. For the CLU ® , you must complete the remaining core courses and select fromthe electives list for that program if additional courses are still needed; electives in the ChFC ® programmay not be used as electives in the CLU ® program.Recommended Course SequenceCourse NUMBERSeveral courses in this program assume prior knowledge. You are encouraged to take HS 300 first, as it provides anintroduction to this program. You are encouraged to take HS 332 as the last of the core courses.Additional Program RequirementsAfter you have completed your coursework and passed your exams, a few other requirements need to be fulfilled:• Experience requirements• Take the Professional Ethics Pledge• Professional Achievement in Continuing Education (PACE) Recertification Program requirementsSee Program Completion on pages 70-71 for more details.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.eduHow to register for your courses:Register for all programs at <strong>The</strong> <strong>American</strong> <strong>College</strong> inone of three easy ways.• Online: Create your user account and register foryour course at <strong>The</strong><strong>American</strong><strong>College</strong>.edu• Mail or Fax: Complete the course registrationform in this catalog and return via mail or fax.• Phone: Call Professional Education, Monday –Friday, 8 a.m. - 7 p.m. ET at 888-263-7265.See Admission and Registration on page 80 formore details.✔Transfer of CreditYou may be eligible for transfer of credit for priorcoursework or other approved designations. SeeTransfer of Credit on pages 76-77 for details.Please note:Some states waive the Series 65 if the ChFC ® hasbeen earned. Check FINRA.org for details.! Key BenefitEarn Your CFP ® Certification too.After successfully completing six required courses*in the ChFC ® curriculum, you may qualify to sitfor the CFP ® Certification Examination with noadditional coursework.Certified Financial Planner Board of Standards Inc. owns thecertification marks CFP ® , CERTIFIED FINANCIAL PLANNER and CFP(with flame logo) ® in the U.S., which it awards to individuals whosuccessfully complete CFP Board’s initial and ongoing certificationrequirements.* HS 300, HS 311, HS 321, HS 326, HS 328, HS 33017
CFP ® CFP ® Certification ProgramsPractical Financial Planning for Financial Services ProfessionalsYour Ticket To SuccessChoose <strong>The</strong> <strong>American</strong> <strong>College</strong> for an intense, practical financial planning program that prepares you to sit for theCFP ® Certification Examination. <strong>The</strong> <strong>American</strong> <strong>College</strong> is the leading provider of financial education, and our passrates routinely surpass industry averages. You could be prepared to sit for your exam in as little as seven monthsthrough our Financial Planning Express ® program. Plus, you can earn transferable credits that can be used for otherdesignations.Supplementary Study AidsCost-effective supplementary study materials, developed in partnership with Keir Educational Resources, areavailable for all CFP ® Certification curriculum courses. DVD lectures also are available for purchase, so that studentscan enjoy the benefits of classroom instruction in the convenience of their home or office.Our CFP ® Certification ProgramsAt <strong>The</strong> <strong>American</strong> <strong>College</strong>, there are several ways students can prepare for the CFP ® Certification Examination.Class and Study Options for Your Convenience• Check our website for more information on live review classes and online study options.• Our Horizons program, a DVD lecture series featuring top faculty, offers a convenient and cost-effective way tohost live, weekly CFP ® Certification classes in your office. Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Horizons• Study at your own pace and choose how long you’ll take to complete your coursework. Access extensive onlinestudy support and practice exams through our Online Learning Center (Blackboard) website, all included in thecost of your tuition.Required Courses (6)Self-Study Program Curriculum See the Course Description pages for more details.“Earning the CFP ® designation is verychallenging, but the knowledge you willacquire through your coursework and studywill be invaluable through your career. <strong>The</strong><strong>American</strong> <strong>College</strong> offers a contemporarycertified financial planner curriculumtaught by outstanding faculty.”— Craig W. Lemoine, CFP ®Assistant Professor of Financial Planning<strong>The</strong> <strong>American</strong> <strong>College</strong>Course titleCourse NUMBERFinancial Planning: Process and Environment* HS 300Fundamentals of Insurance Planning* HS 311Income Taxation HS 321Planning for Retirement Needs HS 326Investments HS 328Fundamentals of Estate Planning HS 330* You are encouraged to take HS 300 first, as it provides an introduction to this program. Students whohave already taken HS 318 cannot take HS 300 or HS 311 for credit toward the CFP ® Certification.18
Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/CFPFinancial Planning Express ®Combining self-study with live classroom instruction, Financial Planning Express ® not only meets the educationalrequirements to sit for the CFP ® Certification Exam, it also covers all of the exam topics in depth and withunmatched clarity. <strong>The</strong> intensive review classes for each course are the fastest way to prepare you for the exam. Formore information go to <strong>The</strong><strong>American</strong><strong>College</strong>.edu/FinancialPlanningExpressAdditional Program Requirements• Students need to complete the CFP ® Certification curriculum in order to sit for the CFP ® Certification examination.To be awarded the CFP ® Certification, students must possess a Bachelor’s degree, complete ethics and experiencerequirements and pass the CFP ® Certification Exam. Please visit cfp.net for more information.• When you complete <strong>The</strong> <strong>College</strong>’s coursework, you will receive a Certificate of Study Completion from <strong>The</strong><strong>American</strong> <strong>College</strong>.Ethics Webcasts<strong>The</strong> <strong>American</strong> <strong>College</strong> stresses the importance of conducting business in an open and ethical manner. We havedeveloped a series of webcasts that are available for CE credit that discuss Ethics for the CFP ® Professional and Issuesin the Ethics of Financial Services.Each webcast is eligible for CE credit and is aimed to increase awareness of ethical issues and raise the level of ethicalbehavior in the financial services industry. For more information about the webcast offerings and cost, please visit<strong>The</strong><strong>American</strong><strong>College</strong>.edu/EthicsWebcastMoving Your Career ForwardPlan your next designation. Students who complete the program can upgrade their CFP ® Certification to earn theChFC ® Advanced Financial Planning designation by taking three additional courses. You can also earn the CLU ®Insurance Specialty or the CASL ® Retirement Coaching designation by taking three additional courses for each.How to register for your courses:Register for all programs at <strong>The</strong> <strong>American</strong> <strong>College</strong> inone of three easy ways.• Online: Create your user account and register foryour course at <strong>The</strong><strong>American</strong><strong>College</strong>.edu• Mail or Fax: Complete the course registrationform in this catalog and return via mail or fax.• Phone: Call Professional Education, Monday –Friday, 8 a.m. - 7 p.m. ET at 888-263-7265.See Admission and Registration on page 80 formore details.Tuition and FeesYour tuition includes all required study materials,access to convenient online learning tools and yourexamination. See Tuition and Fees on page 78 formore details.Accelerated SuccessMonthly Payment Plan• Easy, low monthly payments are available.• Materials for each course will automatically beshipped to you when you finish the previous one.• Great for independent agents and brokers.It’s the most convenient way to finish your program.See our website, <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Successfor more details.Certified Financial Planner Board of Standards Inc. owns thecertification marks CFP ® , CERTIFIED FINANCIAL PLANNER and CFP(with flame logo) ® in the U.S., which it awards to individuals whosuccessfully complete CFP Board’s initial and ongoing certificationrequirements.<strong>The</strong> <strong>American</strong> <strong>College</strong> does not certify individuals to use the CFP ® ,CERTIFIED FINANCIAL PLANNER and CFP (with flame logo) ®certification marks. CFP ® certification is granted solely by CertifiedFinancial Planner Board of Standards Inc. to individuals who, inaddition to completing an educational requirement such as this CFPBoard-Registered Program, have met ethics, experience, andexamination requirements.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu19
CLU ® <strong>Chartered</strong> Life Underwriter ®Advanced Insurance SpecializationHow This Program Can Advance Your Career<strong>The</strong> Commitment of a CLU ®<strong>The</strong> <strong>Chartered</strong> Life Underwriter ® (CLU ® ) is the world’s most respected designation of insurance expertise, helpingyou gain a significant advantage in a competitive market. This prestigious course of study helps advance your careerby providing in-depth knowledge on the insurance needs of individuals, business owners and professional clients.Earn the CLU ® Your Way through Self-Study<strong>The</strong> comprehensive core of CLU ® knowledge is supplemented by a broad selection of elective courses, allowing youto customize the program to the dynamics of your individual practice.Complete your program as fast as you like with leading-edge texts and access to extensive online study aids at noadditional charge, including:• Supplemental readings• Online discussion with course professors• Multimedia resources• Practice examsClass and Study Options for Your Convenience• Check our website for more information on live review classes and online study options.• Our Horizons program, a DVD lecture series featuring top faculty, offers a convenient and cost-effective way to hostlive, weekly CLU ® classes in your office. Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Horizons• Study at your own pace and choose how long you’ll take to complete your coursework. Access extensive onlinestudy support and practice exams through our Online Learning Center (Blackboard) website, all included in thecost of your tuition.Accelerated Success: Monthly Payment Plan• Easy, low monthly payments are available.• Materials for each course will automatically be shipped to you when you finish the previous one.• Great for independent agents and brokers.It’s the most convenient way to finish your program. See our website, <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Success for more details.“Getting my CLU ® helped me develop astrong foundation in the insurance industry.<strong>The</strong> robust knowledge covered in the CLU ®has been invaluable in my extensive careerand has exceeded my expectations.”— Kevin Baldwin, CLU, ® ChFC ®Regional Rep of OneAmerica SecuritiesManaging DirectorB & L Financial Architects20CLUHighestStandard.com“In all my professional relationships, I pledge myself tothe following rule of ethical conduct: I shall, in light of allconditions surrounding those I serve, which I shall makeevery conscientious effort to ascertain and understand,render that service which, in the same circumstances,I would apply to myself.”
Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/CLUSelf-Study Program Curriculum See the Course Description pages for more details.Course titleCourse NUMBERRequired Courses (5)Fundamentals of Insurance Planning* HS 311Individual Life Insurance HS 323Life Insurance Law HS 324Fundamentals of Estate Planning HS 330Planning for Business Owners and Professionals HS 331Elective Courses (Select 3)Financial Planning: Process and Environment* HS 300Individual Health Insurance HS 313Income Taxation HS 321Group Benefits HS 325Planning for Retirement Needs HS 326Investments HS 328Estate Planning Applications HS 334* Students who have already taken HS 318 may not take HS 300 or HS 311 for credit toward the CLU ® designation. HS330 should precede HS 334.If you earn the CLU ® designation, you can also earn the ChFC ® designation by completing a minimum of four additionalcourses. For the ChFC ® , you must complete the remaining core courses and select from the electives list for that programif additional courses are still needed; electives in the CLU ® program may not be used as electives in the ChFC ® program.How to register for your courses:Register for all programs at <strong>The</strong> <strong>American</strong> <strong>College</strong> inone of three easy ways.• Online: Create your user account and register foryour course at <strong>The</strong><strong>American</strong><strong>College</strong>.edu• Mail or Fax: Complete the course registrationform in this catalog and return via mail or fax.• Phone: Call Professional Education, Monday –Friday, 8 a.m. - 7 p.m. ET at 888-263-7265.See Admission and Registration on page 80 formore details.✔Transfer of CreditYou may be eligible for transfer of credit for priorcoursework or other approved designations. SeeTransfer of Credit on pages 76-77 for details.Tuition and FeesYour tuition includes all required study materials,access to convenient online learning tools and yourexamination. See Tuition and Fees on page 78 formore details.Recommended Course SequenceSeveral courses in this program assume prior knowledge. You are encouraged to take HS 330 before taking HS 334.Additional Program RequirementsAfter you have completed your coursework and passed your exams, a few other requirements need to be fulfilled:• Experience requirements• Take the Professional Ethics Pledge• Professional Achievement in Continuing Education (PACE) Recertification Program requirementsSee Program Completion on pages 70-71 for more details.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu21
Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/CASLSelf-Study Program Curriculum See the Course Description pages for more details.Course titleCourse NUMBERRequired Courses (5)Investments HS 328Fundamentals of Estate Planning HS 330Understanding the Older Client HS 350Health and Long-Term Care Financing for Seniors HS 351Financial Decisions for Retirement HS 352How to register for your courses:Register for all programs at <strong>The</strong> <strong>American</strong> <strong>College</strong> inone of three easy ways.• Online: Create your user account and register foryour course at <strong>The</strong><strong>American</strong><strong>College</strong>.edu• Mail or Fax: Complete the course registrationform in this catalog and return via mail or fax.• Phone: Call Professional Education, Monday –Friday, 8 a.m. - 7 p.m. ET at 888-263-7265.See Admission and Registration on page 80 formore details.Additional Program RequirementsAfter you have completed your coursework and passed your exams, a few other requirements need to be fulfilled:• Experience requirements• Take the Professional Ethics Pledge• Professional Achievement in Continuing Education (PACE) Recertification Program requirementsSee Program Completion on pages 70-71 for more details.“<strong>The</strong> CASL ® designation focuses on the issues facing your clients, who are planning for or areliving in retirement. This five-course curriculum was designed to be the most comprehensivedesignation of its kind and will definitely help you meet the needs of your older clients.” — David A. Littell, JD, ChFC ® , CFP ®Joseph E. Boettner Chair in Researchand Professor of Taxation,<strong>The</strong> <strong>American</strong> <strong>College</strong>CommencementYou’ve worked hard. Now celebrate your accomplishmentby participating in commencementexercises at our Knowledge Summit.Accelerated SuccessMonthly Payment Plan• Easy, low monthly payments are available.• Materials for each course will automatically beshipped to you when you finish the previous one.• Great for independent agents and brokers.It’s the most convenient way to finish your program.See our website, <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Successfor more details.Moving Your Career ForwardEarn your Master’s degree through <strong>The</strong> <strong>American</strong><strong>College</strong>. We offer a Master of Science inManagement and a Master of Science in FinancialServices. Check our website or learn more on pages30-33.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu23
REBC ®Registered Employee Benefits <strong>Consultant</strong> ®Become An Employee Benefits SpecialistEarning the Registered Employee Benefits <strong>Consultant</strong> ® (REBC ® ) designation enhances your competitive edge in thedynamic field of employee benefits. You’ll gain deep, practical knowledge on pensions and retirement plan funding,installation and administration. <strong>The</strong> program also covers group medical plans, long-term care, executive compensation,personnel management and much more. Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/REBCProgram Curriculum See the Course Description pages for more details.Course titleCourse NUMBERRequired Courses (3)Group Benefits HS 325Planning for Retirement Needs HS 326Advanced Topics in Group Benefits HS 340Elective Courses (Select 2)Executive Compensation HS 342Compensation and Personnel Management HS 343Advanced Topics in Managed Care HS 344Qualified Retirement Plans GS 814Recommended Course SequenceSeveral courses in this program assume prior knowledge. You should take HS 325 prior to taking HS 340, and youshould take HS 340 prior to electing HS 344. HS 326 should precede GS 814 if you plan to take GS 814 as an elective.If either or both HS 342 and HS 343 are selected, they should conclude the REBC ® studies.“Being credible is one of the most prizedcharacteristics of an advisor. <strong>The</strong> REBC ®program has helped me to reach this goalby making me extremely knowledgeable inEmployee Benefits Consulting, and has hada lasting impact in my profession.”— Lee V. Bethel, CLU, ® ChFC, ® REBC, ® RHU ®PresidentComprehensive Benefit Services, Inc.Additional Program RequirementsAfter you have completed your coursework and passed your exams, a few other requirements need to be fulfilled:• Experience requirements• Take the Professional Ethics Pledge• Professional Achievement in Continuing Education (PACE) Recertification Program requirementsSee Program Completion on pages 70-71 for more details.Tuition and FeesYour tuition includes all required study materials, access to convenient online learning tools and your examination.See Tuition and Fees on page 78 for more details.24
Registered Health Underwriter ®RHU ®Premier Credential in the Health Insurance Market<strong>The</strong> respected Registered Health Underwriter ® (RHU ® ) designation is the premier credential in the health insurancemarket. Broaden your knowledge with the most comprehensive information available on group insurance benefitsand health insurance for individuals and families. <strong>The</strong> program also helps you stay current with the major benefitprotection laws, including COBRA, ERISA and HIPAA. Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/RHUProgram Curriculum See the Course Description pages for more details.Course titleCourse NUMBERRequired Core Courses (2)Group Benefits HS 325Advanced Topics in Group Benefits HS 340Elective Courses (Select 1)Individual Health Insurance HS 313Advanced Topics in Managed Care HS 344Recommended Course SequenceSeveral courses in the program assume prior knowledge of the subject. If you plan to take HS 344 as your elective,you should take HS 325, then HS 340 and conclude with HS 344. If you plan to take HS 313 as your elective, youshould take HS 325 and HS 313 prior to taking HS 340.How to register for your REBC ® and RHU ® courses:Register for all programs at <strong>The</strong> <strong>American</strong> <strong>College</strong> in one of three easy ways.• Online: Create your user account and register for your course at <strong>The</strong><strong>American</strong><strong>College</strong>.edu• Mail or Fax: Complete the course registration form in this catalog and return via mail or fax.• Phone: Call Professional Education, Monday – Friday, 8 a.m. – 7 p.m. ET at 888-263-7265.See Admission and Registration on page 80 for more details.Check out page 10 for our new healthcare certificate and designation program.ChHC <strong>Chartered</strong> <strong>Healthcare</strong> <strong>Consultant</strong> Your Competitive Advantage in the New World of <strong>Healthcare</strong>“<strong>The</strong> RHU ® courses helped to propel myinsurance career. In addition to increasedproduction and confidence, I knew morethan my competition because of the broadknowledge base covered in the RHU. ® ”— Thomas Petersen, RHU ®Senior PartnerPetersen International Underwriters<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu25
CLF ®<strong>Chartered</strong> Leadership Fellow ®Enhance Your Managerial Leadership SkillsProviding You with the Knowledge and Skills to Move Into a Leadership PositionAre you ready to become a leader? <strong>The</strong> <strong>Chartered</strong> Leadership Fellow ® (CLF ® ) program provides financial servicesmanagers with the knowledge and tools they need to achieve key organizational goals, such as:• Recruiting and retaining top performers • Setting performance objectives• Developing effective business plans • Improving managerial skillsCLF ® courses feature an effective mix of relevant business curriculum, including three parts practical field applicationsand three parts education, to prepare individuals for the challenge of leading today’s agencies.Office TrackWho is the office track designed for?<strong>The</strong> CLF ® office program is designed for financial professionals with the following level of experience andresponsibilities:• Home office supervisors or managers with three to five years of experience.• Agency office managers who seek more in-depth managerial and leadership knowledge and skills.Individuals who pursue the office CLF ® track will learn theory and best practices for: leadership development,interpersonal relationships, problem solving, human resource management, employee recruitment and currentissues within the insurance and financial services profession. <strong>The</strong> courses will help you create a culture of success inyour business.Required Courses See the Course Description pages for more details.<strong>The</strong>re are a total of six courses in the program. <strong>The</strong> first five courses can be taken in any order. <strong>The</strong> capstone course(HS 388) must be taken last. If you have completed all but your last self-study course and are enrolled in that course,you may enroll for and attend the capstone course.“Earning my CLF ® helped me to achieve newgoals by enhancing my leadership skills. Ilearned how to refine my performancegoals and develop more effective businessplans. Both the education and relationshipsI’ve formed through <strong>The</strong> <strong>American</strong> <strong>College</strong>have been extremely valuable to my career.”— Debra Boblitt, CLF ®Senior Vice President, Mid-America ZoneState Farm InsuranceCourse titleCourse NUMBERLeadership in a Changing World HS 382Interpersonal Relationships in the Workplace - Self-Study HS 383Creative Problem-Solving and the Strategic Planning Process - Self-Study HS 384Marketing Management of Financial Services HS 387Human Resource Management HS 389Capstone: Leading in the Office Environment HS 38826
Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/CLFField TrackWho is the field track designed for?<strong>The</strong> CLF ® field manager’s program is designed for financial services professionals with three years of experience inmanagerial roles, such as:• Regional Vice Presidents • Managing Partners • Regional and District Managers• Field Managers • Managing Directors • Sales ManagersThis CLF ® field track is focused on delivering proven methods and practical applications for field leaders. You willexplore the best practices for recruiting and retaining performers, developing effective business plans, settingperformance expectations/objectives and improving firm performance. Not only will you increase your own success,you also will be armed with the knowledge needed to create a culture of success within your organization.How to register for your courses:Register for all programs at <strong>The</strong> <strong>American</strong> <strong>College</strong> inone of three easy ways.• Online: Create your user account and register foryour course at <strong>The</strong><strong>American</strong><strong>College</strong>.edu• Mail or Fax: Complete the course registrationform in this catalog and return via mail or fax.• Phone: Call Professional Education, Monday –Friday, 8 a.m. - 7 p.m. ET at 888-263-7265.See Admission and Registration on page 80 formore details.Required Courses See the Course Description pages for more details.<strong>The</strong>re are a total of seven courses in the program, and the courses can be taken in any order, with the exception ofHS 385, which must be taken last.Course titleCourse NUMBERIntegrated Leadership Practices - Live, Online by <strong>The</strong> <strong>American</strong> <strong>College</strong> HS 381orEssentials of Management Development - Local Delivery by GAMA HS 371orProfessional Patterns of Management - Local Delivery by Kinder Brothers HS 381Leading Practices Seminar - Local Delivery by GAMA HS 372orPractice Management Concepts for Agency Managers - Self-Study HS 373Leadership in a Changing World - Self-Study HS 382Interpersonal Relationships in the Workplace - Self-Study HS 383Creative Problem-Solving and the Strategic Planning Process - Self-Study HS 384Capstone: Leading the Marketing Organization of the Future - Residency HS 385Field Management Seminar (FMS) - 2 DVD Webcasts HS 386*IMPORTANT NOTE: HS 371, HS 372, HS 381, HS 385 and HS 386 have special tuition and other costs and course deliverylocations. For more information on HS 371 and HS 372, contact GAMA International at 800-345-2687.Additional Program RequirementsAfter you have completed your coursework andpassed your exams, a few other requirements needto be fulfilled:• Experience requirements• Take the Professional Ethics Pledge• Professional Achievement in ContinuingEducation (PACE) Recertification ProgramrequirementsSee Program Completion on pages 70-71 formore details.Moving Your Career ForwardEarn your Master’s degree through <strong>The</strong> <strong>American</strong><strong>College</strong>. We offer a Master of Science inManagement with an emphasis in leadership. Checkour website or turn to page 30 for more details.Those students who have completed GS 930, Classic andContemporary Leadership Studies and GS 960, Leading StrategyDevelopment will receive a reverse transfer of credit for HS 382,Leadership in a Changing World and HS 384, Creative Problem-Solving and the Strategic Planning Process.Students who have earned an MBA degree within the past sevenyears of applying for a transfer of credit will receive a transfer ofcredit for HS 384, Creative Problem-Solving and the StrategicPlanning Process.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu27
CAP ®<strong>Chartered</strong> Advisor in Philanthropy ®Specialized Training in PhilanthropyBecome an Expert in Charitable Giving <strong>The</strong> <strong>Chartered</strong> Advisor in Philanthropy ® (CAP ® ) provides you with theknowledge and tools you need to help clients reach their philanthropic goals while also meeting their noncharitableestate planning and wealth management needs. <strong>The</strong> credential helps to:• Boost your confidence.• Add credibility when you’re working with clients and other professional advisors.• Add value to the services you provide to your clients.<strong>The</strong>se are graduate-level courses, and, in the process, you can earn credit toward a Master of Science in FinancialServices degree.<strong>The</strong> CAP ® program is designed for self-study, leading to an objective exam in a local exam center. In addition, weeklywebinars are offered to bring CAP ® students into conversation with each other about how the material can be usedto help clients, donors, and our communities.Is the CAP ® Program Right for You?<strong>The</strong> CAP ® program is designed to assist anyone who advises clients about long-term planning for financial assets, including:• Attorneys • Development officers • Financial planners/wealth advisors• CPAs • Planned giving officers • Insurance professionals“I decided to enroll in the CAP ® designationto further my personal philanthropic goalsas well as to better understand the motivationsand perspectives of the high networth client. I was blown away by howmuch I learned on both fronts and havealready incorporated those learnings intohow I approach both our clients as well asmy own philanthropic endeavors. I wouldhighly recommend the program to advisorsas well as non-profit professionals.”— Christopher O. Blunt, ChFC, ® CAP ®Executive Vice President, New York Life<strong>The</strong> <strong>American</strong> <strong>College</strong> Board of TrusteesCourse Delivery That is Designed for YouOur self-study format lets you earn the CAP ® designation your way. Your course tuition includes a study guide witha sample exam and access to special online study tools and textbooks if applicable. Each course concludes with atwo-hour exam, administered at more than 4,000 exam centers around the country. See pages 68-69 for details.Program Curriculum See the Course Description pages for more details.Course titleCourse NUMBERRequired Core Courses (3)Planning for Philanthropic Impact in the Context of Family Wealth GS 839Charitable Strategies GS 849Gift Planning in a Nonprofit Context GS 85928
MSMMaster of Science in ManagementManagement with an Emphasis in LeadershipLeading Your Organization to New Levels of SuccessIf you are a mid- to senior-level executive seeking relevant leadership skills and strategies to take your organization tothe next level, the Master of Science in Management (MSM) with an emphasis in leadership may be the rightprogram for you. With a dynamic curriculum and an online learning environment promoting problem-solvingtechniques through peer and instructor interaction, you will gain valuable insight and maximum return on your timeand resources invested.<strong>The</strong> MSM is an accredited Master’s degree program. Developed by a team of academic and practitioner experts at<strong>The</strong> <strong>American</strong> <strong>College</strong>, with the guidance of an advisory committee including representatives from Ernst & Young,Merrill Lynch, MetLife, Morgan Stanley, New York Life, Wells Fargo and other organizations, the MSM programdelivers results.<strong>The</strong> MSM is fast-paced, compelling and challenging, but still allows for work and family integration. Ourcost-effective, one-year program provides executives with essential leadership skills in such areas as:• Managing group behavior and conflict• Driving organizational and crisis leadership plans• Respecting ethics and social responsibility• Understanding business law and HR• Strengthening strategic leadership and influence• Leading organizational change• Planning succession<strong>The</strong> program emphasizes leading theories taught in our nation’s top business universities, as well as best businesspractices. Those who complete the program will not only gain a broader understanding of managerial leadership butalso will develop performance improvement techniques that positively influence organizational cultures and results.“I considered other Master’s programs but <strong>The</strong> <strong>American</strong> <strong>College</strong> MSM program was much morerelevant to the direction I was looking to take my career in. I was able to immediately apply theleadership skills I learned in my day-to-day professional career and to use those skills to help“<strong>The</strong> <strong>American</strong> <strong>College</strong>’s MSM programis practical learning. <strong>The</strong>re is very littletheory — all that I learned can be appliedto the workplace.”develop others on my team to think more strategically. <strong>The</strong> relationships that I was able tocultivate with the other students in the program have proven to be invaluable. <strong>The</strong> MSM— Russell Figueira, MSMVice President, Professional EducationRegistrar/Certification Officer<strong>The</strong> <strong>American</strong> <strong>College</strong>program exceeded my expectations and I recommend it to anyone who is committed to developingtheir leadership skills.— Scott Polter, MSMDirector of OperationsHornor, Townsend & Kent, Inc.30
Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/MSMProgram Delivery<strong>The</strong> program begins and concludes with one-week residential sessions located at <strong>The</strong> <strong>American</strong> <strong>College</strong>, allowingfor valuable face-to-face interaction with faculty and other students. <strong>The</strong> rest of the program is completed through aseries of five convenient self-study and online courses. Call MSM Graduate Administration today at 610-526-1451to learn about our next session.Program Curriculum See the Course Description pages for more details.Course titleLeading the Organization• Communications and Leadership GS 900• Classic and Contemporary Leadership Studies GS 930• Leading Strategy Development GS 960• Management by Leadership GS 990Driving Managerial Processes and SystemsCourse NUMBER• Leadership Development Experience GS 910• Dynamic Organizational Leadership GS 940• Law, Compliance, Benefits and Social Responsibility GS 950To apply or request additional information:Mail or FaxComplete the Graduate/Master’s Programapplication form in the back of this catalog andreturn via mail or fax. Our fax number is610-526-1359.PhoneCall MSM Graduate Administration at610-526-1451.E-mailMSM@<strong>The</strong><strong>American</strong><strong>College</strong>.eduTuition and Fees*Program fees cover tuition, textbooks and otherstudy materials. You are responsible for transportation,residency lodging and a laptop computer.MSM Admission Fee (nonrefundable) $350MSM Program Tuition $29,000* Please contact MSM Graduate Administration at 610-526-1451for the current payment schedule or to make paymentarrangements.Leader Development• Personal and Interpersonal Leadership Skills GS 920• Decision Making Leadership Skills GS 970• Ethics in Leadership GS 980Getting StartedTo begin your MSM studies, you first must be formally admitted to the program. Applicants are selected on the basisof academic and professional criteria. To be admitted into the program, you must have a Bachelor’s degree from anaccredited college or university, pay the required application fee and submit an official transcript from the collegeawarding your Bachelor’s degree. GMAT exam not required to apply.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu! <strong>The</strong> <strong>American</strong> <strong>College</strong> anticipates an announcement fromits accreditation agency in 2011, with impetus from the U.S.and Pennsylvania Departments of Education, that degreegrantingprograms must increase their contact hours for coursecrediting in the future. Such changes, when implemented, willdirectly affect our graduate programs. <strong>The</strong> <strong>American</strong> <strong>College</strong>will be in the forefront of compliance with these regulations toensure our advanced degrees retain their preeminence infinancial and leadership education.31
MSFSMaster of Science in Financial ServicesGain Skill and Confidence in Implementing Complex Financial StrategiesToday’s wealthy clients are seeking increasingly complex solutions to meet their financial needs. <strong>The</strong> Master of Sciencein Financial Services (MSFS) provides you with the tools you need to analyze, plan and implement integrated financialand life strategies, helping you grow your business in affluent markets.Practical Education for Advanced Markets<strong>The</strong> MSFS program includes practical case studies and client/practitioner scenarios so that you can immediatelyaddress your clients’ needs with expertise and confidence. With the convenience of distance learning, combinedwith indispensable faculty and peer interaction, the MSFS program also helps you gain entry to advanced markets,corporate clients and larger cases.Who Should Apply?<strong>The</strong> MSFS is designed to advance the careers of a wide range of planning professionals including:• Financial planners • Trust officers • Investment consultants• Life insurance specialists • CPAs • AttorneysGetting StartedApplicants are selected on the basis of academic and professional criteria. To be admitted into the program, youmust submit an official transcript from the accredited college or university that awarded your Bachelor’s degree andpay the required application fee. Gmats are not required. To apply or request additional information:Mail or Fax: Complete the Graduate/Master’s Program application form in the back of this catalog and return viamail or fax. Our fax number is 610-526-1359.“Being an MSFS has enhanced my professionalismand the value I can deliver to myclients. Between the experienced professors,the high level of peer interaction, androbust knowledge base, the MSFS programhas been a difference maker in my career. Iwould recommend this program to anyonelooking to move to the next level.”— Anthony J. Domino, Jr.,MSFS, ChFC, ® CLU, ® CAP ®PresidentAssociated Benefit <strong>Consultant</strong>s, LLC.32Phone: Call MSFS Graduate Administration at 610-526-1385. Monday – Friday, 8 a.m. – 5 p.m. ET.E-mail: MSFS@<strong>The</strong><strong>American</strong><strong>College</strong>.eduSelf-Study Courses and the Residency Program<strong>The</strong> MSFS program is comprised of self-study coursework and live online classes*, along with a four-day residencysession. It is recommended that you complete the required courses before enrolling in the residency session. See page69 for more details. *Live online courses are only available for courses with an enrollment of 20 or more students.“I am grateful that <strong>The</strong> <strong>American</strong> <strong>College</strong> provides such a degree. It is very practical knowledgethat I can put to use in my practice. I found it to be by far the best learning experience I havehad in my 24 years in the business. I would recommend it to any professional advisor. <strong>The</strong>faculty is outstanding.” — Charles E. “Gene” Roe, MSFS, CLU ® , ChFC ® , CLF ®Chief Executive Officer, Planto Roe Financial Services
Learn more at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/MSFSProgram Curriculum See the Course Description pages for more details.<strong>The</strong> MSFS degree requires the completion of 36 course credits (6 credits from the residency session and 30 creditsfrom self-study and live online courses).Course titleCourse NUMBERRequired Self-Study Courses (24 Credits Total)Each course earns 3 credits.• Financial Statements and Business Valuation Analysis GS 803• MSFS Case Study Project GS 807• Security Analysis and Portfolio Management GS 811• Qualified Retirement Plans GS 814• Advanced Estate Planning I GS 815• Personal Tax Planning GS 817• Mutual Funds: Analysis, Allocation and Performance Evaluation GS 819• Executive Compensation GS 842Tuition and Fees• MSFS Admission Fee: $350 (refundable if admission tothe MSFS program is denied)• GS Course Tuition: $1,150 per course (self-study orlive online courses)• GS Residency Tuition: $2,050 per session• GS Textbook Packages: <strong>The</strong> price of textbooks isincluded in the cost of tuition• Shipping and Handling: $25 per shipmentE-mail all requests for refunds toProfessionalEducation@<strong>The</strong><strong>American</strong><strong>College</strong>.eduFor self-study graduate courses, we will refund yourcourse tuition less a $160 cancellation fee if less than30 days into the quarter for which you are registered.Elective Self-Study Courses (2 Courses Required – 6 Credits Total)Each course earns 3 credits.NEW• Advanced Estate Planning II* GS 816• Business Succession Planning I GS 836• Business Succession Planning II GS 838• Building & Managing Financial Advisory Practice GS 840• Planning for Philanthropic Impact in the Context of Family Wealth GS 839• Charitable Strategies GS 849• Gift Planning in a Nonprofit Context GS 859• Financial Decisions for Retirement HS 352• Interpersonal Relationships in the Workplace HS 383Required Residency Courses (6 Credits Total)• Communications and Research (3 credits) GS 804• Ethics and Human Values (3 credits) GS 831*Students who have already taken GS 836 (Business Succession Planning I) may substitute this for GS 815 as a required course. GS 816is available as an elective only for students taking GS 815, and GS 838 is available as an elective only for students taking GS 836.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.eduEarn the CAP ® designation with thesecourses.! <strong>The</strong> <strong>American</strong> <strong>College</strong> anticipates an announcement fromits accreditation agency in 2011, with impetus from the U.S.and Pennsylvania Departments of Education, that degreegrantingprograms must increase their contact hours for coursecrediting in the future. Such changes, when implemented, willdirectly affect our graduate programs. <strong>The</strong> <strong>American</strong> <strong>College</strong>will be in the forefront of compliance with these regulations toensure our advanced degrees retain their preeminence infinancial and leadership education.33
Graduate CertificatesYou may take any self-study course in the Irwin Graduate School even if you have not been admitted to a Master’s degreeprogram. Certificate programs, outlined below, are designed for students not yet admitted to a degree program.Completion of any of these programs may qualify you for up to nine credits toward the MSFS degree if you aresubsequently admitted to the degree program.Course titleCourse NUMBERBusiness Succession Planning• Business Succession Planning I GS 836• Business Succession Planning II GS 838• Financial Statements and Business Valuation Analysis GS 803Customized Asset Management Program• Financial Institutions GS 810• Security Analysis and Portfolio Management GS 811• Mutual Funds: Analysis, Allocation and Performance Evaluation GS 819Estate Planning and Taxation• Advanced Estate Planning I GS 815• Advanced Estate Planning II GS 816• Personal Tax Planning GS 817Charitable Planning• Planning for Philanthropic Impact in the Context of Family Wealth GS 839• Charitable Strategies GS 849• Gift Planning in a Nonprofit Context GS 859Accredited Estate Planner (AEP) Designation CreditsApplicants for the AEP designation, granted by the National Association of Estate Planners and Councils,must successfully complete two graduate courses through <strong>The</strong> <strong>American</strong> <strong>College</strong>, as follows:Required Course• Advanced Estate Planning I GS 815Elective Course (Select 1)• Advanced Estate Planning II GS 816• Business Succession Planning I GS 836• Planning for Philanthropic Impact in the Context of Family Wealth GS 839• Executive Compensation GS 842To apply or request additional information:Phone:Graduate AdministrationMSM: 610-526-1451MSFS: 610-526-1385E-mail:MSM@<strong>The</strong><strong>American</strong><strong>College</strong>.eduMSFS@<strong>The</strong><strong>American</strong><strong>College</strong>.eduEarn the CAP ® designation with thesecourses.<strong>The</strong> <strong>American</strong> <strong>College</strong> does not certify individuals to use the CFP ® ,CERTIFIED FINANCIAL PLANNER and CFP (with flame logo) ®marks. CFP ® Certification is granted solely by CFP Board toindividuals who, in addition to completing educational requirementssuch as this CFP Board-registered program, have met its ethics,experience, and examination requirements. For more on CFP ®Certification, including upcoming exam dates and other requirements,see Guide to CFP ® Certification, available from CFP Board.Visit their website, cfp.net.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu35
Bachelor’s and MBADegreesDegrees with an Emphasis in Financial PlanningBachelor’s Degree with Webster UniversityCourses completed at <strong>The</strong> <strong>American</strong> <strong>College</strong> are recognized for credit toward a Bachelor’s degree at WebsterUniversity. <strong>The</strong> number of credits each individual can apply toward a Bachelor’s degree will depend on the specific<strong>American</strong> <strong>College</strong> courses that have been completed and the Bachelor’s degree program being pursued. Individualsinterested in this opportunity should contact Webster University directly to discuss their individual academic recordsand their degree programs of interest. Some undergraduate classes are available online. More information can befound at webster.eduMBA with an Emphasis in Financial Planning (FP)<strong>The</strong> <strong>American</strong> <strong>College</strong> has partnered with Webster University to offer the MBA/FP program, featuring a uniquecombination of graduate-level business administration and financial planning courses. Individuals who wish to earnthis MBA degree, granted by Webster University, must be admitted to Webster and meet all of its admissionrequirements. Visit webster.edu for more details.Students in the program will complete <strong>The</strong> <strong>American</strong> <strong>College</strong> Graduate CFP ® Financial Planning Track, plus ninecourses from the Webster University MBA core curriculum:• Marketing • Advanced Corporate Finance • Operations Management• Organizational Behavior • Applied Business Statistics • Managerial Economics• Finance • Management Accounting • Strategy and CompetitionUpon completion of the program, the student will be awarded an MBA degree and be qualified to sit for the CFP ®Certification Examination.Bachelor’s Degree with Thomas Edison State <strong>College</strong><strong>The</strong> <strong>College</strong> has an Articulation Agreement with Thomas Edison State <strong>College</strong> that will provide students witha substantial number of credit hours toward a TESC Bachelor’s degree. <strong>The</strong> number of credit hours taken andaccepted will depend upon a variety of factors, but any student who would like to complete a Bachelor’s degree,and has successfully completed courses at <strong>The</strong> <strong>American</strong> <strong>College</strong>, should contact TESC directly for details of thisprogram. <strong>The</strong> TESC program may be completed entirely online at tesc.edu“Anyone who has earned a designationthrough <strong>The</strong> <strong>American</strong> <strong>College</strong> should beproud of his/her accomplishment. Eachdesignation from <strong>The</strong> <strong>College</strong> representsthe hard work, dedication and desire aperson has to succeed in the financialservices and insurance industries.”To apply or request additional information:Phone: Graduate Administration E-mail:MSM: 610-526-1451MSM@<strong>The</strong><strong>American</strong><strong>College</strong>.eduMSFS: 610-526-1385MSFS@<strong>The</strong><strong>American</strong><strong>College</strong>.edu— Stephanie Walsh, CLU, ® ChFC, ® CASL ®Walsh AssociatesCertified Financial Planner Board of Standards Inc. owns the certification marks CFP ® , CERTIFIED FINANCIAL PLANNER and CFP (with flame logo) ®in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.36
<strong>The</strong> <strong>American</strong> <strong>College</strong>Salutes Veterans witha Special Scholarship!Earn these top financial services credentials or your Master’sdegree from the leading provider of financial education:CFP ®CertificationEducationCLU ®ChFC ®<strong>Consultant</strong> ® Underwriter ®<strong>Chartered</strong> Financial <strong>Chartered</strong> LifeNow is the perfect time to earn your designation from<strong>The</strong> <strong>American</strong> <strong>College</strong>! <strong>The</strong> U.S. Bureau of Labor Statistics expects a41 percent increase in personal financial advisors over the next decade!Those advisors with the top credentials have the potentialto earn up to 51 percent more than their counterparts. <strong>The</strong> <strong>American</strong><strong>College</strong> is the leading provider of the education you need to becomea success.You can even earn a Master’s degree and take your skills to thenext level! An accredited Master’s degree in leadership (MSM) givesyou skills you can transfer to any profession, and the Master’s in financialservices (MSFS) offers you an incredible depth of technical expertise.To show support for our veterans, scholarships are now availableto make these programs affordable. Based on need, interest andcapabilities, it is possible to qualify for either full or half scholarships.To learn more, please visit <strong>The</strong><strong>American</strong><strong>College</strong>.edu/VeteransVeterans at <strong>The</strong> <strong>American</strong> <strong>College</strong>Veterans Benefits<strong>The</strong> <strong>American</strong> <strong>College</strong> partners with the Departmentof Veterans Affairs with regard to veterans benefits.We are an approved school and welcome veterans to<strong>The</strong> <strong>American</strong> <strong>College</strong> to earn our designations andgraduate degrees in furtherance of their careers.Veterans ScholarshipIn appreciation for those who have served in theArmed Forces, <strong>The</strong> <strong>American</strong> <strong>College</strong> has implementeda scholarship program for veterans. <strong>The</strong>scholarship awards would cover either full or half ofthe tuition costs and can be used for any of ourdesignation programs. <strong>The</strong> awards are based onfinancial need and all honorably discharged can apply.Veterans Tuition DiscountFor those discharged veterans who no longer havebenefits, are actively serving in the U.S. military or donot qualify for the scholarship, <strong>The</strong> <strong>American</strong> <strong>College</strong>offers a discount of 50 percent on all HS and FAcourses and a 25 percent discount for all GS courses.<strong>The</strong> discount applies to tuition only, admission feesand other fees will not be discounted.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu37
<strong>The</strong> <strong>American</strong> <strong>College</strong> FacultyLarry Barton, CAP, ® PhD• AB, Boston <strong>College</strong>; MALD, <strong>The</strong> Fletcher Schoolof Law and Diplomacy at Tufts University• PhD, Boston UniversityPresident and Chief Executive Officer;O. Alfred Granum Chair in Management;Professor of ManagementGlenn Boseman, DBA, CLF, ® CLU ®• BS, Campbell University; MBA, East CarolinaUniversity; DBA, Kent State UniversityDean, Irwin Graduate School;Roger Hull-James S. Bingay Chair of Leadership;Professor of LeadershipPhilip Cubeta, MSFS, CAP, ® ChFC, ® CLU ®• BA, Williams <strong>College</strong>; MA, Oxford University• MA, MPhil., Yale UniversitySallie B. and William B. Wallace Chair inPhilanthropy; Assistant Professor of PhilanthropyGerald J. Herbison, MSM, CASL, ® ChFC, ®CFP, ® CLF ®• BS, Ithaca <strong>College</strong>• MSM, <strong>The</strong> <strong>American</strong> <strong>College</strong>Assistant Professor of Management<strong>The</strong>odore T. Kurlowicz, JD, LLM, CAP, ®ChFC, ® CLU, ® AEP• BS, University of Connecticut• MA, University of Pennsylvania• JD, Widener University School of Law• LLM, Villanova University School of LawCharles E. Drimal Professorship in EstatePlanning; Professor of TaxationCraig W. Lemoine, CFP ®• BS, Family Financial Planning• PhD Candidate, Consumer Economics, TexasTech University.Assistant Professor of Financial PlanningWilliam T. Mulroy, Jr., CASL, ® CLU, ®REBC ®• BS, St. Louis University• MBA, University of KansasAssociate Vice President, Assessment &Examinations; Assistant Professor of InsuranceDavid Nanigian, PhD• BBA, San Diego State University• MBA, UC Irvine• PhD, Texas Tech University.Assistant Professor of InvestmentsMary Quist-Newins, ChFC, ® CLU, ® CFP ®• BA, University of Washington• MBA, Garvin School of InternationalManagementState Farm Chair in Women & Financial Services;Assistant Professor of Women’s StudiesRonald F. Duska, PhD• BA, St. Mary’s Seminary; MA, St. John’s University• PhD, Northwestern UniversityCharles Lamont Post Chair of Ethics and theProfessions; Professor of EthicsDavid A. Littell, JD, ChFC, ® CFP ®• BA, Northwestern University• JD, Boston University School of LawJoseph E. Boettner Chair in Research; Professorof TaxationJulie Ragatz• BA. University of Saint Thomas• M.A. Marquette University• PhD Candidate Temple UniversityVisiting Assistant Professor of EthicsConstance J. Fontaine, JD, LLM, ChFC, ®CLU ®• BS, Beaver <strong>College</strong>• JD, Widener University School of Law• LLM, Villanova University School of LawLarry R. Pike Chair in Insurance and Investments;Associate Professor of TaxationKevin Lynch, CFP, ® ChFC, ® CLU, ® RHU, ®REBC, ® CASL, ® CLF, ® CAP, ® LUTCF, FSS• BS, Excelsior <strong>College</strong>• MBA, University of Central OklahomaAssistant Professor of InsuranceGlenn E. Stevick, Jr., ChFC, ® CLU, ® LUTCF• BA, Villanova University• MA, Duquesne UniversityAssistant Professor of InsuranceEdward E. Graves, ChFC, ® CLU ®• BS, California State University, Los Angeles• MA, University of PennsylvaniaCharles J. Zimmerman Chair in Life InsuranceEducation; Associate Professor of InsuranceAllen C. McLellan, LUTCF, CLU, ® ChFC, ®CASL, ® CFP ®• BS, U.S. Air Force Academy• MS, Air Force Institute of TechnologyAssociate Dean; Assistant Professor of InsuranceArthur Tacchino, JD• BS of Economics, SusquehannaUniversity;• JD, Widener University School of Law.Assistant Professor of Health Insurance38
<strong>The</strong> <strong>American</strong> <strong>College</strong> Adjunct FacultyVirginia E. Webb• BA, Rowan University• MSLS, Drexel UniversityLibrarian; Knowledge Center ManagerNila G. Betof, PhD• BS, Temple University• MSW, University of Pennsylvania• PhD, Temple UniversityAdjunct Professor of ManagementLinda Lopez, PhD• BS, Radford <strong>College</strong>• MA, Virginia Commonwealth University• PhD, Virginia Commonwealth UniversityAdjunct Professor of ManagementWalt Woerheide, PhD, CFP ®• BA, Brown University• MBA, Washington University• PhD, Washington University.Frank M. Engle Distinguished Chair in EconomicSecurity Research; Vice President of AcademicAffairs and Dean; Professor of InvestmentsThomas M. Brinker, Jr., JD, LLM, ChFC ®• BS, St. Joseph’s University• MS, Taxation, Widener University• JD, Columbia Pacific University• MS, Widener University• LLM, Regent University School of LawAdjunct Professor of TaxationSal Monastero• BS, Economics, Villanova University• MBA, Golden Gate UniversityAdjunct Professor of LeadershipChristopher P. Woehrle, JD, LLM• AB, Cornell University• JD, Villanova University School of Law• LLM, Villanova University School of LawAssistant Professor of TaxationSalvatore F. Farina, MSM, CLF ® , ChFC ® ,CLU ®• BS, New York Institute of TechnologyJoseph/Liddy Chair in Practice Management;Adjunct Professor of Practice ManagementRichard A. Hinckley, Jr.• BA, University of Pennsylvania• MBA, Wharton School• MSEE, Moore SchoolAdjunct Professor of EconomicsArnold M. Katz, CLU ®• BS, Boston UniversityPaul Kimbol• BA, University of Pennsylvania• JD, University of Pennsylvania Law SchoolGuardian/Henry A. Deppe Chair in Pensions andRetirement Planning;Adjunct Professor of Executive Compensation andRetirement Planning<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 39
Supporting <strong>The</strong> <strong>American</strong> <strong>College</strong>Why give to <strong>The</strong> <strong>American</strong> <strong>College</strong>?Your contribution makes a direct and immediate impact upon the educational experience you have at <strong>The</strong> <strong>American</strong> <strong>College</strong>.Gifts to <strong>The</strong> <strong>College</strong> help retain outstanding faculty and expand our technology and distance learning capabilities, allowing usto deliver content online so you can access courses, discussion boards and case studies at the time and in the format you prefer.You can access the preeminent video-on-demand source of knowledge for the industry at <strong>The</strong>WealthChannel.com.Why is my gift important now?Not since <strong>The</strong> Great Depression has the financial services industry experienced such volatility nor have financial advisors neededthe education and training provided by <strong>The</strong> <strong>College</strong> more. We need your help so that <strong>The</strong> <strong>College</strong> can be at the forefront as thefinancial services profession continues to change. Your gift can help us educate the consumer about the integrity of youreducation and its value over rogue designations. Tuition and fees fall short of covering the costs of operating an institutionfocused upon excellence. Your gift fills this gap!How do I give?<strong>The</strong>re are many ways to give to <strong>The</strong> <strong>College</strong>. Donations of cash to the Annual Fund are always needed. <strong>The</strong>se gifts can multiplyif you work for a matching gift company. Or, perhaps planned giving presents the best opportunity for you. Options range fromappreciated annuities, life insurance and real estate to retirement plan assets, charitable gift annuities, and charitable remaindertrusts.Our Advancement Office looks forward to working with you to find the best giving plan for you. We invite you to join us as we embarkon exciting new initiatives. Visit <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Giving to make a gift online or learn more about our giving options.Or contact:• Claudia Stowers, CAP ® at 610-526-1423 or Claudia.Stowers@<strong>The</strong><strong>American</strong><strong>College</strong>.eduTo discuss planned giving, contact:• Allen Thomas, JD, CAP ® at 610-526-1422 or Allen.Thomas@<strong>The</strong><strong>American</strong><strong>College</strong>.eduVisit OnePersonTransformingLives.com today to hear more compelling testimonials about<strong>The</strong> <strong>American</strong> <strong>College</strong>’s impact on the lives of financial services professionals.40
One Person Transforming Lives with <strong>The</strong> <strong>American</strong> <strong>College</strong>How has <strong>The</strong> <strong>American</strong> <strong>College</strong> transformed lives?Each person touched by <strong>The</strong> <strong>American</strong> <strong>College</strong> has a story. A story about how education and training received from <strong>The</strong> <strong>College</strong> changed his or her life. About how, in turn, that knowledge hastransformed the lives of clients. <strong>The</strong> <strong>College</strong> has launched One Person: Transforming Lives with <strong>The</strong> <strong>American</strong> <strong>College</strong> to collect the stories about the difference being made in people’s lives.Several alumni share their stories on video at OnePersonTransformingLives.com. Please take a moment to consider how <strong>The</strong> <strong>College</strong> has impacted your life and visit this website for an opportunityto share your story with us.“Clearly, my involvement in the programs and theseminars at <strong>The</strong> <strong>College</strong>, the involvement on <strong>The</strong>Board and the Committees, has helped frame meinto who I am today, which I think is a testimonyto the value proposition to <strong>The</strong> <strong>American</strong> <strong>College</strong>and to our great industry. It’s a great feeling toknow that you’ve touched the lives of people andyou’ll affect their families so long into the future.”Mickey E. Rosenzweig, CLU, ® ChFC ®President and CEO, Rosenzweig Financial Services<strong>The</strong> <strong>American</strong> <strong>College</strong> Board of Trustees<strong>The</strong> <strong>American</strong> <strong>College</strong> Foundation Board of DirectorsPresident’s Circle member for 15 years“<strong>The</strong> <strong>American</strong> <strong>College</strong> sets the standards forethics and professionalism in this business. <strong>The</strong>re’sreally nobody else doing it. So if we don’t, nobodyelse will. If those standards aren’t upheld overtime we’ll lose the trust of the public and wewon’t get to stay in the business that we’re in. Isee it as a way for us all to make a contributionback to the business that’s done so well for us. It’sa joy to be so involved here at <strong>The</strong> <strong>American</strong><strong>College</strong>. It’s my choice to do that and I love it.”James A. Mitchell, CLU, ® ChFC ®Retired Chairman and CEO, IDS Life Insurance Company<strong>The</strong> <strong>American</strong> <strong>College</strong> Board of Trustees<strong>The</strong> <strong>American</strong> <strong>College</strong> Foundation Board of DirectorsPresident’s Circle member for 15 years“Most companies have essentially eliminated theirtraining departments, are doing less and less, ifany, education; and so, <strong>The</strong> <strong>College</strong> and what itmakes available to people in the financial servicesbusiness is that much more necessary and vital. So,we have it. It’s precious. We’ve got to support it.That’s why I support it.”Alan M. Press, CLU ®General Agent Emeritus, Guardian LifePresident’s Circle member for 17 years<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu41
<strong>The</strong> <strong>American</strong> <strong>College</strong>’s Lecture SeriesEach year, <strong>The</strong> <strong>American</strong> <strong>College</strong> proudly presents these exciting, thought-provoking educationallecture opportunities. Through strong partnerships and generous gifts from insurancecompanies, friends and associates of <strong>The</strong> <strong>College</strong>, we are able to provide the best type oflecture series available in the financial services industry.<strong>The</strong>se well-attended lectures include industry-leading speakers who deliver insightful informationon current industry issues. Our lecture series provides a great opportunity to gainknowledge and guidance from some of the best thought leaders in the industry.Henry Deppe42Henry A. Deppe Lecture Series<strong>The</strong> Henry A. Deppe Lecture series was createdin 1989 in the name of Henry A. Deppe, CLU, ® aformer general agent of <strong>The</strong> Guardian LifeInsurance Company. Deppe dedicated his careerto pension and retirement plans and is anationally known authority on the subject. <strong>The</strong>focus of the lecture is to provide knowledge onpensions and retirement security issues.This lecture series is supported annually by earnings from an endowment fund established at <strong>The</strong><strong>College</strong> by <strong>The</strong> Guardian, as well as Deppe’s friends and associates. <strong>The</strong> endowment fund willcontinue to grow from the proceeds of a life insurance policy of which <strong>The</strong> <strong>College</strong> is thebeneficiary. This fund will make it possible to establish a chair at <strong>The</strong> <strong>College</strong> dedicated toresearch and teaching in pension and retirement security. Previous presenters have includedAttorney Andrew J. Fair, Bruce J. Temkin, Joyce Gordon of Guardian Life Insurance Company andnumerous other presenters and panelists prominent in the estate and financial planning fields.Frank M. Engle Lecture SeriesIn 1976, Frank M. Engle funded an annuallectureship known as the Engle Lecture, whichcontinues through support of the Frank M.Engle Distinguished Chair in Economic SecurityResearch.<strong>The</strong> purpose of the lecture series is to promote theStuart Varney: 2010 Engle Lecturestudy of the economic life of the United States inthe global economy, with particular emphasis onthe social and economic impact of private and public economic security mechanisms.Each year, a well-known scholar or policy maker is invited to deliver a lecture, the publicationof which is funded by the endowment.Maurice L. Stewart Lecture Series<strong>The</strong> Maurice L. Stewart lecture series wascreated through the joint effort of <strong>The</strong> PennMutual Life Insurance Company and <strong>The</strong><strong>American</strong> <strong>College</strong> in 2009 to honor MauryStewart, CLU, ® ChFC, ® CLF. ®Since joining Penn Mutual in 1952, Stewart hasMaurice Stewartdedicated his life and career to touching the livesof thousands of people through delivering whathe calls, “the miracle of life insurance.” Through this lecture, future generations of lifeinsurance professionals know of Stewart’s outstanding career, his dedication to others and hisquest for excellence in leadership.Brian H. Early Lecture Series<strong>The</strong> Brian H. Early lecture series was created inOctober 2009 from sponsorship of ManagingPartners and Managing Directors, in partnershipwith the Northwestern Mutual Foundation. Thislecture honors Brian Early and his beliefs inmanagement and leadership.Brian Early<strong>The</strong> annual lecture features presentations byindustry thought leaders on the topic of practicemanagement and leadership. <strong>The</strong> goal of the lecture is to promote state-of-the-art managementpractices in financial services, an area in which Early excelled.Margaret I. Bradshaw Lecture Series<strong>The</strong> Fund supports the Margaret I. BradshawLecture Series in recognition of generous gifts tothe Fund by Margaret Bradshaw. Ms. Bradshawwas a pioneering woman in the life insuranceindustry, earning the CLU ® in 1931 and pursuinga successful career with John Hancock. MargaretLisa Ford: 2010 Margaret Bradshaw Lecture became the first female John Hancock agent inRhode Island and, at the time, one of a smallgroup of women CLUs ® in the United States.<strong>The</strong> lecture series provides the platform for distinguished speakers to address critical issues infinancial services.
Corporate Consulting Center at <strong>The</strong> <strong>American</strong> <strong>College</strong>Your Team Just Got StrongerOur approach is unique in financial services consulting. We know your markets,your business model and your competitors. We offer a full range of services,from leadership development to web-based training, all designed for you, allbacked by the resources that can take your business to the next level.We Can Help Your Company Succeed• Strategic consulting• Audio/video production support• Proprietary Research and Analysis • Online learning modules• High-impact leadership• Customized textbooksStrategy and PlanningUnlock the potential of your businesswith an objective, external review.Leadership DevelopmentMaximize the contributions of currentand future leaders.Practice ManagementBuild field performance excellence ateach career stage.Product and Skills TrainingCustomize training programs drawing fromthe industry’s premier source of knowledge.“<strong>The</strong> work we’ve done with the Corporate Consulting Centerat <strong>The</strong> <strong>American</strong> <strong>College</strong> has allowed us to expand ourleadership development programs beyond our expectations.From the moment we began working with them, they tookextraordinary steps to understand our business, our goalsand our people. <strong>The</strong>y’ve worked with us to look at leadershipdevelopment in new ways and our team has benefitted as aresult. We couldn’t be happier with our relationship with <strong>The</strong><strong>American</strong> <strong>College</strong>.”— Kimberly ReynoldsSecond Vice President, Training Development , Aflac“<strong>The</strong> <strong>College</strong> took time to learn about our team and our goalsfor the program, and used that information to create contentthat was in perfect sync with our learning and developmentneeds. We were extremely pleased with the program. <strong>The</strong>attention to detail and quality were clearly reflected in thepositive feedback we received from our participants.”— Michael T. Van Grinsven, CLU ®Director, Field Recruitment DivisionNorthwestern Mutual“<strong>The</strong> <strong>American</strong> <strong>College</strong> is a one-stop-shop. <strong>The</strong> wealth ofinformation available along with the technical support <strong>The</strong><strong>American</strong> <strong>College</strong> provides has enabled us to developprofessional training scripts and videos that will be used inmultiple markets throughout the world.”— Terry SchusterVice President , MetLife Sales Learning Center<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu610-526-1434 | <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Consulting43
Your Alumni Association“<strong>The</strong> <strong>American</strong> <strong>College</strong> Alumni Association isthe premier organization for educated financialservices professionals. All of the benefits,including <strong>The</strong> Wealth Channel ® Magazine, areincluded in your free membership. <strong>The</strong>re is noreason NOT to be a part of your AlumniAssociation!” — Jayne Schiff, CLU, ® ChFC, ® CAP, ® REBC ®President of <strong>The</strong> <strong>American</strong> <strong>College</strong>Alumni Association<strong>The</strong> <strong>American</strong> <strong>College</strong> Alumni Association is the premier organization for educated financial services professionals.Your Alumni Association is a gathering place for supporters and friends of <strong>The</strong> <strong>College</strong> to build upon your educationalfoundation and ensure the strength of our profession. Dedicated to lifelong learning, communications and recognition,<strong>The</strong> Alumni Association serves over 38,000 members who take advantage of this free membership.Lifelong Learning• Thought-provoking presentations on topics that impact your practice• Special learning events like the Alumni Cruise and Knowledge Summit• Coming in 2011: Interactive online study groups to keep you on the cutting edge of our businessConnection• <strong>The</strong> Wealth Channel ® Magazine – Articles from faculty and field leaders• Connections monthly updates on the profession and <strong>The</strong> <strong>College</strong>• Educational and networking events in your communityRecognition• Building awareness for your designations• Awards for professional success and exemplary volunteerism• <strong>The</strong> alumni store to show off your <strong>American</strong> <strong>College</strong> prideAt <strong>The</strong> <strong>American</strong> <strong>College</strong>, we understand that our alumni have always been our most valuable asset. You are the highestachievers and leaders in your profession, striving to uphold the standards and values that <strong>The</strong> <strong>College</strong> promotes.Membership is free and the website is easy to use. Please visit <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Alumni To register, click the“sign-up” tab on the left panel and begin taking advantage of exciting and new opportunities.Contact the Alumni Association at Alumni@<strong>The</strong><strong>American</strong><strong>College</strong>.edu or 610-526-1478.Members of <strong>The</strong> <strong>American</strong><strong>College</strong> Alumni Hall of FameLeft to right:Louis P. DiCerbo II, ChFC ® , CLU ® , LUTCF;Charles C. Jones, MSFS, CASL ® , ChFC ® , CLU ® ;Susan D. Waring, CLU ® , ChFC ® ;Joseph Sparacio, CLF ® , CLU ® , LUTCF;Paul W. Colflesh, CLU ® ;Albert J. “Bud” Schiff, CLU, ® CAP ®44
Alumni TourSince 2009, <strong>The</strong> <strong>American</strong> <strong>College</strong> Alumni Tour has been making its wayaround the country reaching hundreds of alumni right in their own backyards.<strong>The</strong> purpose of these events is to bring <strong>The</strong> <strong>College</strong> right to our closest friends— alumni and students, and show them the value of their prestigious designationsand the progress that <strong>The</strong> <strong>College</strong> is making in the profession. This year,Your <strong>College</strong> hopes to engage even more people and offer them the highestquality experience through <strong>The</strong> Alumni Association.“It had been quite a while since we held events in many cities, and it wasimportant to work on reconnecting with alumni to give them an update on<strong>The</strong> <strong>College</strong>, and outlook for the profession, and get them excited about beingin a great business.”— Adam Batchelor, Director, Alumni RelationsSince embarking on the Tour, alumni have heard the intriguing State of <strong>The</strong><strong>College</strong> and the Profession address from President Dr. Larry Barton, CAP ® inNew York, Chicago, San Francisco, Los Angeles, Jacksonville, and other cities.During the events, alumni hear about the changes that have propelled <strong>The</strong><strong>College</strong> into the future, including <strong>The</strong> Wealth Channel ® , new faculty andprograms, and exciting opportunities in online learning. <strong>The</strong>y also get aforthright view of the political, economic, and regulatory outlook that willcontinue to pose greater challenges in 2011 and beyond. Tour speakers alsogave top-notch sales presentations, practice management advice, and providedmotivation to work hard and help people.<strong>The</strong>re is no end in sight for <strong>The</strong> Alumni Tour. In 2011, events are planned forWashington DC, Dallas, Tampa, Atlanta and more cities are to be announced.Best of all, alumni are encouraged to bring friends and colleagues to hearabout their <strong>College</strong> and learn more about the business.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 45
<strong>The</strong> Center for Ethics in Financial Services <strong>The</strong><strong>American</strong><strong>College</strong>.edu/center-for-ethics“<strong>The</strong> top priority for the financial servicesindustry needs to be rebuilding the trustof the public, which has been eroded inthe past two years. <strong>The</strong> Center for Ethicsin Financial Services at <strong>The</strong> <strong>American</strong><strong>College</strong> is a crucially important thoughtleader in helping the financial servicesindustry to regain the public trust.” — Jim Mitchell, CLU, ® ChFC ®Trustee and Foundation Director Emeritus<strong>The</strong> <strong>American</strong> <strong>College</strong>Mission<strong>The</strong> mission of <strong>The</strong> <strong>American</strong> <strong>College</strong> Center for Ethics in Financial Services is to raise the level of ethical behavior in the financialservices industry.Objectives• To promote ethical behavior by offering programs that go beyond the “rules” of market conduct to help executives andproducers become more sensitive to ethical issues and think more critically about ethical solutions.• <strong>The</strong> Center’s interactive continuing education courses, forums and workshops will help practitioners think critically andbehave ethically, even in the absence of clear direction.• <strong>The</strong> Center also will serve as a resource for cutting-edge research and discussion of emerging ethical issues in the financialservices industry.• <strong>The</strong> Center will have a place at the table as executives, politicians and regulators deal with the ethical implications of publicpolicy positions.How to Support the CenterYou can support <strong>The</strong> Center for Ethics in Financial Services in various ways. Our membership opportunities are a wonderful wayto support <strong>The</strong> Center. Not only will you be supporting <strong>The</strong> Center for Ethics, but you will receive benefits for you and youremployees, such as half price CE, workshops, webinars, webcasts, newsletter and much more.<strong>The</strong> <strong>American</strong> <strong>College</strong> accepts your generous donations through their website electronically.• Half-price Insurance and CFP ® Ethics Webcasts and On-demand courses for your people• Leaders from your organization can attend the annual “Members Only” Retreat, coming away with “cutting edge” ideasthey can put into practice right away• Exclusive content on our website available at your convenience.• An ethics seminar tailored to your organization, provided at reduced rates• An experienced and confidential sounding board to discuss your ethical dilemmas• A periodic Ethics newsletter written by Center staff• Recognition for your organization on the Center’s website and in the annual report of supportersEthics Center HighlightsEthics Awareness Month (March) Ethics Awareness Month was instituted in 1990 by <strong>The</strong> <strong>American</strong> <strong>College</strong> and others toincrease the awareness of ethics in the financial services industry. As many as 150 insurance companies and more than 100other financial services-related companies, professional associations, and societies have participated as endorsers.Mitchell Forum <strong>The</strong> Mitchell Forum is an annual event that brings together practitioners from financial services companies andbusiness ethicists from academia to engage in meaningful conversation about ethics in the industry46Cary Maguire Fellowship in Applied Ethics <strong>The</strong> Cary Maguire Fellowship in Applied Ethics supports an individual working atthe interaction of theory and practice in the area of meaningful disclosure, with a special emphasis in the area of accounting.Increasingly, there is concern among both the practitioner and regulatory communities that current accounting models andpractice do not provide the relevant information for the end-users of financial reports to make sound decisions. <strong>The</strong> MaguireFellow is committed to working towards on-going and productive engagement with industry groups, academic communities,and regulatory agencies.
<strong>The</strong> Vane B. Lucas Memorial Library at <strong>The</strong> <strong>American</strong> <strong>College</strong>Top-Notch Research From <strong>The</strong> Financial Services ExpertsOne of the many benefits of learning at <strong>The</strong> <strong>American</strong> <strong>College</strong> is your exclusive access to theLucas Library, home to an extensive array of print and online reference materials covering theworld of financial services. From estate planning to management succession planning, ourlibrary has it all.Current students and alumni enjoy access to:• More than 6,500 books, e-books and multimedia materials available to borrow viainterlibrary loan.• Alumni and students can access e-books through our NetLibrary collection.• 500+ journal titles and robust electronic resources.*• Library catalog is available on TAC website and on Blackboard Online Learning Center/Library site for current students.<strong>The</strong><strong>American</strong><strong>College</strong>.edu/student-resources/vane-b-lucas-library• A special collection of life insurance company and financial services industry histories andthe published material of our founder, Dr. Solomon S. Huebner*Electronic database access available to current students only.Live, Knowledgeable AssistanceInexperienced at library research? Need simple questions answered? Our research professionalscan steer you in the right direction. Current students should visit the BlackboardOnline Learning Center/Library site for access to electronic database and journal resources.For Advanced Information NeedsWe are able to assist you with identification of electronic sources and resources for research/project guidance and for professional presentations/activities. We can also assist you withcomplex research requirements. Our librarians will scour our collection and online databasesto pinpoint relevant, up-to-date information.Not able to visit the library in person? We’ll respond to your questions via phone, fax or e-mail.Contact or Visit the Library<strong>The</strong> library is open to the public on a walk-in basis for general reference use, Mondaysthrough Fridays during the regular business hours of <strong>The</strong> <strong>American</strong> <strong>College</strong>.Phone: 610-526-1307Or stop by for a visit:Web: <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Library 270 S. Bryn Mawr AveE-mail: Library@<strong>The</strong><strong>American</strong><strong>College</strong>.edu Bryn Mawr, PA 19010Fax: 610-526-1322Virginia E. Webb, Mary Anne Adler and Nancy Nalbandian48
MetLife Learning Center <strong>The</strong> Home of Corporate LearningCraig Lemoine CFP, ® Assistant Professor of Financial Planning<strong>The</strong> MetLife Learning Center represents the most modern and convenientvenue for your team to meet, plan and develop strategic solutions.Located just 20 minutes from the Philadelphia International Airport and 15 minutes fromhistorical sites at Valley Forge, PA, <strong>The</strong> MetLife Learning Center features three adjoiningconference rooms or “pods” where the most advanced technology will allow your team to:Explore corporate solutions in teams of five to 60 people. Meet for one or as many daysas you need.Meet in small settings on strategy and business ideas and send your working papers/solutions to our on-call instructional designers.Work with on-site studio producers to host a web conference from our three-cameradigital studio. Rehearse and edit seamlessly on one floor at your pace and without outsidedistractions — all in one day, all in one location!Lead with Cutting-Edge SolutionsImmerse yourself in the digital era of learning at the nation’s premiere institution devotedto your success.• Fully networked for robust communication with your home office, colleagues andcustomers.• In-house squad of audio-visual engineers and eDesigners can turn your sessions intowebinars, DVDs and even custom websites without the added expense of third-partyproduction companies.Why the MetLife Learning Center for Your Meeting?Strategic retreats and meetings in hotels can be routine and predictable because thosevenues have no stake or investment in what your employees are there to learn. However, anevent at <strong>The</strong> <strong>American</strong> <strong>College</strong>, the nation’s largest not-for-profit college devoted to businesssuccess, takes corporate solutions seriously.Top-Notch Food and Beverage ServiceA superb European-style kitchen is at your disposal and our caterers will ensure that everymeal meets your specifications.Schedule Your Event TodayFor a customized package to fit your event needs, or other information, please contact theMetLife Learning Center at LearningCenter@<strong>The</strong><strong>American</strong><strong>College</strong>.edu or at610-526-1206.Take a Virtual Tour<strong>The</strong><strong>American</strong><strong>College</strong>.edu/corporate-consulting/metlife-learning-center<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 49
<strong>The</strong>WealthChannel.comSince its inception, just two short years ago, <strong>The</strong>WealthChannel.com has quickly becomeone of the nation’s leading online sources of financial services insight and knowledge forindustry professionals. During the past year, this valuable video on-demand resourcehas grown by leaps and bounds.With an audience of between 3,000 to 4,000 unique visitors each month, <strong>The</strong> WealthChannel now features over 500 pieces of informative video content devoted to a host oftopics including retirement, estate planning, philanthropy and insurance.<strong>The</strong> value of the information posted to <strong>The</strong> Wealth Channel has not gone unnoticed by thefinancial services industry and the community. That’s why content from <strong>The</strong> Wealth Channelappears on local Philadelphia area public television WYBE-TV (MiND-TV).In addition, Wealth Channel programming, including Wealth Today is posted to YouTube.Wealth Today is a six-minute magazine-style program hosted by <strong>The</strong> <strong>American</strong> <strong>College</strong>’sacclaimed Assistant Professor of Insurance Kevin M. Lynch, ChFC ® , CLU ® , RHU ® , REBC ® ,CFP ® , CASL ® , CAP ® , LUTCF, CFP, ® CLF, ® FSS. It features in-depth interviews, sales tips, alumniprofiles, segments devoted to retirement and health care issues, and much more.Recently, <strong>The</strong> <strong>American</strong> <strong>College</strong> entered into an agreement to distribute Wealth Channelcontent over Reuters Insider. This financial video news platform targets the 550,000financial pros that utilize Thomson Reuters terminals. This distribution channel will allow <strong>The</strong><strong>American</strong> <strong>College</strong> to share educational content directly with members of the financialcommunity.<strong>The</strong> success of <strong>The</strong> Wealth Channel has helped <strong>The</strong> <strong>American</strong> <strong>College</strong> provide value-addededucational information to current students and alumni. In addition, the site gives successfulgraduates an opportunity to promote themselves. By featuring the career achievements ofprominent alumni and the institution’s world-class faculty, <strong>The</strong> Wealth Channel serves as aninstitutional showcase that demonstrates the benefits of <strong>The</strong> <strong>American</strong> <strong>College</strong>’s educationalprograms and their ability to help individuals achieve career distinction in the financialservices industry.If you or a colleague would like to be featured on <strong>The</strong> Wealth Channel, pleasecontact Eric.Gordon@<strong>The</strong><strong>American</strong><strong>College</strong>.com.50
<strong>The</strong> Wealth Channel MagazineBuilding on the success of <strong>The</strong>WealthChannel.com, Alumni Relations recently launched <strong>The</strong> Wealth ChannelMagazine. In just one year, this publication has established an enthusiastic following of more than 45,000financial services industry professionals and friends of <strong>The</strong> <strong>American</strong> <strong>College</strong>.This bi-annual magazine features cutting-edge information from industry thought leaders and the acclaimedfaculty of <strong>The</strong> <strong>American</strong> <strong>College</strong> that you can use right away to help strengthen your financial services practice.In addition to the latest cutting-edge research, alumni updates and information about upcoming <strong>American</strong><strong>College</strong> events, <strong>The</strong> Wealth Channel Magazine includes a host of dynamic content including:• Here’s <strong>The</strong> Case. In each issue we analyze real life scenarios and get the perspectives of top producers onhow to handle difficult situations.• Ask Al. Readers’ questions are answered by 30-year industry veteran Al Fry, MSFS, MSM, CLU ® , ChFC ® ,RHU, ® REBC. ®• Viewpoint. Get some perspective on the latest industry developments directly from <strong>The</strong> <strong>American</strong><strong>College</strong>’s President and CEO, Larry Barton, CAP, ® PhD.• Regulation Updates. Analysis of the latest legislative activities and their impact on your practice isprovided by the Association for Advanced Life Underwriting (AALU).Articles from the magazine are available online at <strong>The</strong>WealthChannel.com.In 2011, look for new interactive features that make the onlinemagazine experience even more exceptional.Get the information you need to advance your practice!Subscribe to <strong>The</strong> Wealth Channel Magazine. ContactAlison Pettine in Alumni Relations at 610-526-1478 orat Alison.Pettine@<strong>The</strong><strong>American</strong><strong>College</strong>.edu to findout how.888-263-7265 <strong>The</strong> <strong>American</strong> <strong>College</strong> • <strong>The</strong><strong>American</strong><strong>College</strong>.edu• 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 51
About <strong>The</strong> <strong>American</strong> <strong>College</strong>Who We Are<strong>The</strong> <strong>American</strong> <strong>College</strong> is a not-for-profit educational institutionwith the highest level of academic accreditation, dedicated toleadership in innovative training and development for financialservices professionals.<strong>The</strong> <strong>College</strong> is distinguished by resources of the highestquality, innovation in program delivery and design andresults that create meaningful, sustainable advantages forour students.Serving as a valued business partner to banks, brokeragefirms, insurance companies and others for more than 84years, <strong>The</strong> <strong>American</strong> <strong>College</strong> has assembled a faculty of theforemost thought leaders in the industry to help companiesand their employees succeed.Our Mission<strong>The</strong> mission of <strong>The</strong> <strong>American</strong> <strong>College</strong> is to raise the level ofprofessionalism of our students and, by extension, thefinancial services industry as a whole. By imparting expertknowledge — and by emphasizing that such knowledgemust be regularly renewed and ethically applied — <strong>The</strong><strong>College</strong> seeks to strengthen not only our students’ professionalism,but also the financial security of individuals,families, businesses and the communities they serve.VisionAs the leader in financial services education, <strong>The</strong> <strong>American</strong><strong>College</strong> partners with companies and professionals to helpthem realize their full potential, creating relevant learningopportunities that:• Raise expectations and standards;• Build significant, sustainable advantages for ourstudents;• Influence the industry and general public for thecommon good.Board of TrusteesLaurence Barton, CAP, ® PhD(Ex Officio)<strong>The</strong> <strong>American</strong> <strong>College</strong>Michael A. BellPacific Life Insurance Co.Lee V. Bethel, CLU, ® ChFC, ® REBC, ® RHU ®Comprehensive Benefit Services, Inc.Christopher O. Blunt, ChFC, ® CAP ®New York LifeEdward W. Cassidy<strong>The</strong> Phoenix CompaniesNicholas M. Cecere, LUTCF, CLU ®Principal Financial GroupSusan M. Cooper, CFP, ® CLU, ® ChFC ®Penn Mutual Life Insurance Co.Michael J. Corey<strong>The</strong> Caldwell Partners InternationalRalph L. (Chip) Crews, CLU, ® ChFC ®Mutual of OmahaMichael C. Davidson, CLU ® (Chairman)State Farm Insurance CompaniesJ. Scott Davison, CLU, ® ChFC ®OneAmerica Financial Partners, Inc.Caroline Feeney, CLU, ® ChFC ®Prudential Insurance Co.Lewis W. FogelLPL FinancialPeter A. Golato, CLU, ® ChFC ®Nationwide FinancialJohn W. Greene, Jr., CLU, ® ChFC ®Prudential Insurance Co.Thomas H. Harris, CLU, ® ChFC ®Penn Mutual Independence FinancialNetworkGary T. (Doc) Huffman, CLU, ® ChFC ®Ohio National Financial ServicesCharles C. Jones, MSFS, CLU, ®ChFC, ® CASL ®Pentrust Wealth Management LLCFred H. JonskeM Financial GroupMichael L. Kalen, CLU, ® ChFC ®Futurity First Insurance Group, Inc.Karen Eilers Lahey, PhDUniversity of AkronJohn W. McTigue, CLU ®Northwestern MutualJames J. Meehan, MSM(Corporate Secretary)Creative Financial GroupJames A. Mitchell, CLU, ® ChFC ®Retired, IDS Life Insurance Co.Deanna M. Mulligan, CLU, ® ChFC ®<strong>The</strong> Guardian Life Insurance Companyof AmericaLinda S. Need, CFP, ® CAP ®Bank of AmericaWilliam T. O’Donnell, MSFSO’Donnell AssociatesBruce G. Parker, Jr., MSM, LUTCF,CLU, ® ChFC ®Pan-<strong>American</strong> LifeScott R. PerryBankers Life & Casualty Co.Robert B. Plybon, CLU, ® ChFC ®(Past Chairman)Plybon & AssociatesBurvin E. Pugh, Jr., CLU, ® ChFC ®Retired, MassMutual Financial GroupReginald N. Rabjohns, CLU, ® ChFC ®(Ex Officio)New England FinancialPhillip C. Richards, CLU, ® CFP, ® RHU ®North Star Resource GroupMichael Rosenzweig, CLU, ® ChFC ®Rosenzweig Financial ServicesDavid R. Rubinowitz, MSM, LUTCF,CLU, ® ChFC, ® CAP ®John Hancock Life Insurance Co.Albert J. (Bud) Schiff, CLU, ® CAP ®NYLEX BenefitsTodd M. Schoon, JD, CLU, ® ChFC ®(Vice Chairman)Northwestern MutualRobert D. Shapiro, CLU ®<strong>The</strong> Shapiro Network, Inc.Frederick J. Sievert(Life Trustee)Retired, New York Life Insurance Co.J. Eric Smith, CLU, ® ChFC ®USAA Life Insurance CompanyNikki L. SorumThrivent Financial for LutheransMichael J. Vietri, CLU ®MetLifeRobert J. Wernecke, CLU ®(Life Trustee)ECA Financial Services Inc.Doyle J. Williams, CLU, ® ChFC ®COUNTRY FinancialCharles R. Wright, CLU, ® ChFC ®(Life Trustee)Retired, State Farm InsuranceCompanies52
<strong>The</strong> <strong>American</strong> <strong>College</strong> Foundation Board of DirectorsLaurence Barton, CAP, ® PhD (Ex Officio)<strong>The</strong> <strong>American</strong> <strong>College</strong>James M. Benson, CLU ®Benson Botsford LLCDebra Boblitt, CLF ®State Farm InsurancePeter C. Browne, LUTCF (Vice Chairman)Price, Raffel & Browne, Inc.Charles T. (Tip) Cronin III, CLU, ® CAP ® (Ex Officio)<strong>The</strong> <strong>American</strong> <strong>College</strong>Michael C. Davidson, CLU ® (Ex Officio)State Farm Insurance CompaniesLouis P. DiCerbo II, LUTCF, CLU, ® ChFC ®DiCerbo PCP and Associates, Inc.Salvatore F. Farina, MSM, CLF, ® ChFC, ® CLU ®New York Life Insurance CompanyNeal R. Fegely, CPA (Ex Officio)<strong>The</strong> <strong>American</strong> <strong>College</strong>Philip E. Harriman, CLU, ® ChFC ®Lebel & Harriman, LLPPhilip J. Hildebrand, CLU ®HealthMarkets ®Salene Hitchcock-Gear, JDAcacia Life Insurance CompanyAmeritas Investment CorporationJohn Irvin,PartnersFinancialCharles C. Jones, MSFS, CLU, ® ChFC, ® CASL ®Pentrust Wealth Management LLCArnold M. Katz, CLU ®AMK Concepts, Inc.Joe Kelley, CLU, ® ChFC ® (Secretary)Retired, <strong>American</strong> General Life & Accident Co.Arthur D. Kraus, CLU, ® ChFC, ® CAP ®Capital Intelligence Associates, Inc.Richard A. Liddy, CLU ®Retired, General <strong>American</strong> Life Insurance Co.Ronald E. Long, CLU, ® ChFC ® (Treasurer)Sharebridge Private Equity ConsolidatedEugene F. LoVasco, JD, CLU ®Brown & Brown of DetroitReginald N. Rabjohns, CLU, ® ChFC ® (Chairman)New England FinancialMichael Rosenzweig, CLU, ® ChFC ®Rosenzweig Financial ServicesAlbert J. (Bud) Schiff, CLU, ® CAP ®NYLEX BenefitsJoel A. Shapiro, MSFS, CLU, ® ChFC ®Bartmon, Shapiro and Associates, Inc.Donald P. Sullivan, Jr., CFP ®<strong>The</strong> Guardian Life Insurance Company of AmericaE. Hardy Vaughn, Jr., MSFS, CLU, ® ChFC ®<strong>The</strong> Vaughn Group, Inc.Paul E. Vignone, JD, CLU, ® ChFC ®Penn Mutual Life Insurance Co.Charles R. Wright, CLU, ® ChFC ®Retired, State Farm Insurance CompaniesEmeritus DirectorsBrian S. Brown, CLU, ® ChFC ®Jarrett L. Davis III, CLU ®Lee M. Gammill, Jr., CLU ®James A. Mitchell, CLU, ® ChFC ®Thomas J. O’Haren, CLU, ® ChFC ®William B. Wallace, CLU, ® ChFC, ® CAP ®HeritageFounded by industry pioneer Solomon S. Huebner in 1927,<strong>The</strong> <strong>American</strong> <strong>College</strong> has a rich history in the financialservices education arena—standing strong as the standardbearer for quality professional education for more than 84years.<strong>The</strong> institution has grown from its initial roots at <strong>The</strong>University of Pennsylvania’s Wharton School to become theleader in financial services education. Our faculty nowincludes the nation’s top thought leaders in financialservices practice and management, offering expertise thatis sought by companies, agencies, policy makers andindividual students across the United States and abroad.<strong>The</strong> <strong>American</strong> <strong>College</strong> has remained nimble and proactivein the rapidly changing financial products and servicesindustry. More than ever, success in the field requiresspecialized knowledge. <strong>The</strong>se demands fuel our growthand continue to bring prestige to an education from <strong>The</strong><strong>American</strong> <strong>College</strong>.AlumniOur alumni are at the forefront of the financial servicesindustry, managing leading offices and providing professionalfinancial advice and guidance to millions of institutions,families and businesses. <strong>The</strong>se leading practitionerscontinue to be dedicated to <strong>The</strong> <strong>College</strong> and provideongoing support to see that the original vision of founderSolomon S. Huebner will remain strong through all of theopportunities and responsibilities that lie ahead.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 53
LUTCF/FSS ProgramsFA 200 Techniques for Prospecting: Prospect or PerishTeaches advisors industry-proven methods for successfully identifying, selecting andapproaching prospects for financial products and services. <strong>The</strong> course covers procedures forcreating prospect awareness, target marketing concepts and prospect qualification andprioritization techniques. Students learn how to overcome the psychological barriers toprospecting and innovative approaches to setting income and activity goals. Strategic, tacticaland operational business planning processes are presented in detail, along with effectivecontact management systems. In addition, practice management concepts, professionalismand ethics are explored. [1, 2, 3]Tuition: $430Includes: text by Cohen, Lynch, Okumura and Stevick, Techniques for Prospecting: Prospector Perish, with workbook.FA 201 Techniques for Exploring Personal MarketsProvides an in-depth look at penetrating the personal markets using the life-cycle marketingstrategy and selling/planning process. Learn to segment your market into four adult life-cyclesegments and recognize the common insurance and financial needs of these marketsegments. Apply this approach to new prospects and existing clients. Create a basicmarketing plan to apply the life-cycle marketing strategy to your practice. Other topicscovered include disability income, life, long-term care and Medicare supplement insurance;overview of investment products; special markets; and retirement and estate planning.[1, 2, 3]Tuition: $430Includes: text by McLellan, Okumura and Stevick, Techniques for Exploring Personal Markets,with workbook.FA 202 Techniques for Meeting Client NeedsOffers an introduction to the life insurance sales career and the selling/planning process in thepersonal market. Addresses the role of the advisor in the financial planning process, theconsultative selling process and the needs for personal life insurance. Presents the skills usedthroughout the selling/planning process, from the initial client meeting, through fact-findingand sales presentations, to policy delivery and service. Presents a review of insurance productsand principles, policy provisions, and the income and estate taxation of life insurance. [1, 2, 3]Tuition: $430Includes: text by Stevick, Techniques for Meeting Client Needs, with workbook.FA 204 Marketing Financial Services to WomenExplore the marketing opportunity and demand for insurance and financial products that existamong the largest single economic force in the world — <strong>American</strong> women. This course isdesigned to increase the financial professional’s readiness and effectiveness in marketing to,working with and serving female clients. It incorporates the latest research on women and money,best practices in marketing, relationship building, consultative selling and the six content areas offinancial planning (insurance and risk management, cash management, investments, incometaxation, retirement and estate planning). Since trust is essential for success in the “Women’sMarket” and is often absent in how women view financial professionals, the barriers and buildersof trust are explored as foundational elements. Both the planning process (i.e. six steps) and scope(i.e. six areas) are examined in detail. [2]Tuition: $430Includes: text by Quist-Newins, Women and Money - Matters of Trust, with workbook.FA 211 Essentials of Disability Income InsuranceExamines individual disability income insurance and the related products of business buyoutcoverage and business overhead expense insurance. Presents the real reasons behindcommonly used objections and what they tell the skilled financial advisor, and reviews provensales approaches and ways to overcome these objections and close the sale. Also covers theuse of fact finding and field underwriting in making the disability income insurance sale, howto customize the policy to meet the prospect’s objectives, and how to deliver the policy andservice the plan. [1, 2, 3]Tuition: $430Includes: text by Dulisse and Lynch, Essentials of Disability Income Insurance, withworkbook.FA 222 Essentials of Multiline Insurance ProductsThis course provides multiline agents with a strategy for helping their clients obtain thevarious insurance and other financial products they need to achieve their dreams and protecttheir income and assets. <strong>The</strong> course provides an overview for how to establish the need,gather information, analyze the information and develop recommendations for products inthe various levels of the revised financial planning pyramid. Products discussed include:disability income insurance, life insurance, long-term care insurance, mutual funds andannuities. Retirement and estate planning also are discussed. [1, 2, 3]Tuition: $430Includes: text by Okumura, Essentials of Multiline Insurance Products, with workbook.[Course formats available: 1. Local class; 2. Live online class; 3. Online Training Center]54
FA 251 Essentials of Business InsuranceCovers how life and disability income insurance can guarantee the control and value of abusiness following the owner’s or key person’s death, disability, or retirement through buy-sellagreements and key person insurance. Reviews the types of business organizations and how thisimpacts business continuation planning and taxation of the business and its owners. Providesprospecting and approach techniques used with business owners to address the problems theyface. Explores the basics of estate planning for the business owner. Examines what to say, how tosay it and when to say it to capture the attention of the business owner. [1, 2, 3]Tuition: $430Includes: text by Stevick, Essentials of Business Insurance, with workbook.FA 255 Essentials of Long-Term Care InsuranceProvides an overview of why there is a need for long-term care (LTC) and explains what LTC isand who will need it. Describes how to select, approach and meet the prospect. Covers theuse of fact finding and field underwriting in making the LTC insurance sale; how to customizethe policy to meet the prospect’s objectives; how to deliver the policy and service the plan;the relationship of the LTC need to comprehensive financial needs; the role of the advisor as afinancial services professional; and how to build an LTC insurance practice. In anticipation ofimplementation of the CLASS Act, basic information is provided to bring the advisor currenton this new federal entitlement plan. [1, 2, 3]Tuition: $430Includes: text by Morith, Essentials of Long-Term Care Insurance, with workbook.FA 256 Essentials of AnnuitiesExplores the uses of various annuity products both prior and subsequent to an individual’sretirement. Describes how to select, approach and meet the prospect. Covers fact finding,sales applications and implementation of the proper annuity product within the context of aclient’s overall planning objectives. Presents the characteristics of fixed, indexed and variabledeferred annuities as they apply to planning for the accumulation of wealth on a tax-favoredbasis during one’s working years. Discusses immediate annuities’ variations in the context ofthe income security they provide for retirees. [1, 2, 3]Tuition: $430Includes: text by Hays and Lynch, Essentials of Annuities, with workbook.FA 257 Essentials of Life Insurance ProductsBegins with an overview of the two basic types of life insurance policies — term and wholelife — and then builds on that knowledge with an overview of the many product variations soldin today’s markets. <strong>The</strong> course also explores personal, family and business uses of life insuranceproducts, as well as policy illustrations cost comparison methods, income and estate taxation,policy provisions, marketing ideas and ethical issues facing the financial advisor. Provides areview of the selling/planning process for life insurance product solutions. [1, 2, 3]Tuition: $430Includes: text by Stevick, Essentials of Life Insurance Products, with workbook.FA 261 Foundations of Retirement PlanningGuides professionals in examining the retirement planning process, fact finding, methods ofanalyzing facts, retirement planning software and sales tracking. Discusses the role of SocialSecurity, Medicare, Medicaid and tax policies in retirement planning and the suitability ofvarious accumulation vehicles, such as stocks, bonds, mutual funds, life insurance andannuities for retirement planning. Explains how retirement planning creates estate planningneeds and addresses payout options, spousal benefits and investment strategies. [1, 2, 3]Tuition: $430Includes: text by Okumura, Foundations of Retirement Planning, with workbook.FA 262 Foundations of Financial Planning: An Overview (FSS program only)Provides an overview of the major components that make up a comprehensive financial plan,including the six-step planning process, insurance planning, risk management, employee benefitsplanning, investment planning, income tax planning, retirement planning and estate planning.<strong>The</strong> course also covers Social Security and Medicare and their importance as the foundation of aclient’s financial plan. [1, 2, 3]Tuition: $430Includes: text by Worsham, ed., Foundations of Financial Planning: An Overview, withworkbook.[Course formats available: 1. Local class; 2. Live online class; 3. Online Training Center]<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 55
FA 263 Foundations of Financial Planning: <strong>The</strong> Process (FSS program only)Guides the financial planning advisor through the eight steps of the selling/planning process,including identifying markets and prospects, communications skills needed to approachclients, information gathering through fact finding, analyzing the information, developingand presenting the financial plan and implementing and servicing the plan. Time-value-ofmoney,financial risk tolerance, asset allocation and financial planning applications also arecovered. [1, 2, 3]Tuition: $430Includes: text by McLellan, Okumura and Stevick, Foundations of Financial Planning: <strong>The</strong>Process, with workbook.FA 290 Ethics for the Financial Services ProfessionalProvides a practical framework for making ethical business decisions in the financial servicesindustry. This course examines legal, compliance and practice standards that apply to thefinancial services professional. <strong>The</strong> course also investigates ethical approaches to placingfinancial products, determining suitability and assessing risk. Concludes with a final exam,which also must be taken if state continuing education credits are sought. Course format istextbook self-study, with online exam (requires a proctor). (Students licensed in New Yorktake paper exams.) Exam is required for state CE credit.Tuition: $150Includes: text by Duska, Ethics for the Financial Services Professional.FA 264 Foundations of Investment PlanningProvides an overview of investment planning and the investment planning process. Examinesthe securities markets and their regulation, the tax treatment of investors, how to measureinvestment returns and investment risk. All types of investments are investigated, includingmutual funds and other types of pooled investments. Each step in the investment planningprocess is analyzed, followed by a discussion of the role of ethics. [1, 2, 3]Tuition: $430Includes: text by McLellan, Okumura and Stevick, Foundations of Investment Planning,with workbook.FA 271 Foundations of Estate PlanningOffers an introduction to estate planning and the role life insurance plays in the planningprocess. Discusses how different types of property are transferred during life and at death,and the tax implications of not planning. Also presents the steps required to settle an estateand discusses the importance of having a will, the gift and estate transfer tax system, statedeath and estate taxes, trusts and planning estates of business owners. [1, 2, 3]Tuition: $430Includes: text by Stevick, Foundations of Estate Planning, with workbook.[Course formats available: 1. Local class; 2. Live online class; 3. Online Training Center]Succession Planning for Agency Leaders, During the 2010 Knowledge Summit in NYC, this extraordinary panelfocused on candid, from-the-heart insight on what agency leaders need to think about when planning an exit strategy.56
Solomon S. Huebner SchoolSolomon S. Huebner School ChHC ȚM CASL ® , ChFC ® , CLF ® , CLU ® , REBC ® andRHU ® Designations and CFP ® Certification CurriculumHS 300 Financial Planning: Process and EnvironmentProvides an overview of the financial planning process, including communication techniques,ethics, risk tolerance, time-value-of-money concepts, financial planning applications,regulatory issues and the legal and economic environment for financial planning. Offers anunderstanding of the role and responsibilities of a financial planner, along with someanalytical skills to aid in financial decision making.Tuition: $599Includes: text by Lemoine and Taylor, eds., Financial Planning: Process and Environment;student supplement; audio review; sample exam questions; online enhancements.Supplemental study tools available for an additional cost. See <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Keirfor additional information.HS 311 Fundamentals of Insurance PlanningFocuses on the role of planning for insurance needs. Covers basic concepts in risk managementand insurance, insurance industry operations, legal principles pertaining to this industry,and regulation of insurers. Examines social insurance, life insurance and annuities, medicaland disability income insurance, long-term care insurance and personal property and liabilityinsurance. Concludes with an overview of commercial property and liability insurance and acase study.Tuition: $599Includes: text by Beam and Wiening, Fundamentals of Insurance Planning; student supplement;audio review; sample exam questions; online enhancements. Supplemental study tools availablefor an additional cost. See <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Keir for additional information.HS 313 Individual Health InsuranceProvides an overview of individual health insurance that is designed to meet the needs ofindividuals, families and certain business situations. Covers medical expense insurance, disabilityincome insurance and long-term care insurance. Discusses types of policies, contractualprovisions, regulation and underwriting. Consumer-directed health plans are also covered.Tuition: $599Includes: text by O’Hare and Beam, Individual Health Insurance Planning; Medical, DisabilityIncome, and Long-Term Care; student supplement; audio review; sample exam questions;online enhancements.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.eduHS 321 Income TaxationExamines the federal income tax system with particular reference to the taxation of individuals.Covers such concepts as gross income, exclusions from gross income, deductions, taxcredits, capital gains and losses, taxation of life insurance and annuities and income taxationof partners, partnerships, corporations and shareholders.Tuition: $599Includes: text by Ivers and Brinker, Fundamentals of Income Taxation (2010 edition); studentsupplement; audio review; sample exam questions; online enhancements. Supplemental studytools available for an additional cost. See <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Keir for additionalinformation.HS 322 <strong>The</strong> Financial System in the EconomyPresents an overview of the global financial system and its influence on the financial servicesindustry. Examines financial markets, their principal institutions and their economic functions,products and services. Examines the rapidly changing regulatory and competitive environmentand major trends that shape the industry.Tuition: $599Includes: text by Rose and Marquis, Money and Capital Markets; study guide; audio review;sample exam questions; online enhancements.HS 323 Individual Life InsuranceFocuses on life insurance policies and annuities available for the personal needs of individualsand their use in financial planning. Covers individual insurance products and insurance reservesregulation. Also covers insurance company organization, operations and investments.Tuition: $599Includes: text by Graves, ed., McGill’s Life Insurance; student supplement; audio review;sample exam questions; online enhancements. Supplemental study tools available for anadditional cost. For more information, go to <strong>The</strong><strong>American</strong><strong>College</strong>.edu/KeirHS 324 Life Insurance LawExamines legal rights and obligations of the policy owner and the insurance company, the waydisputes between insureds and insurers are resolved and general principles of the judicial process.Covers legal aspects of life insurance, including basic principles of contract law; policy provisionsand the incontestable clause; assignments, ownership rights and creditor rights; beneficiarydesignations and disposition of proceeds; the law of agency; and advertising and privacy issues.Tuition: $599Includes: text by Graves and Christensen, McGill’s Legal Aspects of Life Insurance; studentsupplement; audio review; sample exam questions; online enhancements. Supplementalstudy tools available for an additional cost. See <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Keir foradditional information.57
Solomon S. Huebner SchoolHS 325 Group BenefitsAnalyzes group insurance benefits including the governmental environment, contractprovisions, marketing, underwriting, rate making, plan design, cost containment andalternative funding methods. Covers the various private programs related to the economicproblems of death, old age and disability. Discusses cafeteria plans, as well as consumerdirectedhealth plans, such as HSAs and HRAs. Course will be revised October 2011.Tuition: $599Includes: text by Beam, Group Benefits: Basic Concepts and Alternatives; study guide; audioreview; sample exam questions; online enhancements, including key term exercises.HS 326 Planning for Retirement NeedsFocuses both on helping a business select the appropriate retirement plan and helpingindividuals plan for retirement. Covers qualified plans, SEPs, SIMPLEs and 403(b) plans andnonqualified deferred compensation plans, providing the advisor with the tools to both selectand design the appropriate plan for the small business. Also addresses plan funding andinvesting, plan set-up and administration, and fiduciary responsibility. Individual retirementplanning topics include, saving for a secure retirement, IRAs and Roth IRAs, Social Securitybenefits, health care decisions in retirement and planning for retirement plan distributions.Tuition: $599Includes: text by Littell and Tacchino, Planning for Retirement Needs; student supplement;audio review; sample exam questions; online enhancements. Supplemental study toolsavailable for an additional cost. See <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Keir for additionalinformation.HS 328 InvestmentsCovers various aspects of the principles of investments and their application to financial planning.Discusses risk analysis and risk and return computations. Looks at stocks, bonds, investmentcompanies, options and futures contracts. Includes an extended discussion of tax issues ininvesting and issues in the practice of portfolio management. Provides many examples of ethicaland practical issues in managing a client’s portfolio.Tuition: $599Includes: text by Woerheide, Fundamentals of Investments for Financial Planning; studentsupplement; audio review; sample exam questions; online enhancements. Supplementalstudy tools available for an additional cost. See <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Keir foradditional information.HS 330 Fundamentals of Estate PlanningCovers various aspects of estate and gift tax planning, including the nature, valuation,transfer, administration and taxation of property. Provides a basic understanding of the estateand gift tax system, including strategies of estate planning. Discusses gratuitous transfers ofproperty outright or with trusts, wills and powers of appointment; use of the maritaldeduction; valuation of assets; and buy-sell agreements. Covers the client interview, factfinding, ethical standards and development of personal estate plans.Tuition: $599Includes: text by Fontaine, Fundamentals of Estate Planning; student supplement; audioreview; sample exam questions; online enhancements. Supplemental study tools available foran additional cost. See <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Keir for additional information.HS 331 Planning for Business Owners and ProfessionalsFocuses on tax and legal aspects of organizing a business; compensation planning for thebusiness owner; business succession planning; buy-sell agreements; estate planning andestate freezing techniques; methods for transferring a family business; lifetime disposition ofa business interest — taxable and tax-free dispositions and the use of the installment sale andother methods; business uses of life and disability insurance for the benefit of businessowners; disability buy-sell agreements; risk management for a closely held business; and thespecial problems of professional corporations.Tuition: $599Includes: text by Kurlowicz, Ivers and McFadden, Planning for Business Owners andProfessionals; student supplement; audio review; sample exam questions; onlineenhancements. Supplemental study tools available for an additional cost. See<strong>The</strong><strong>American</strong><strong>College</strong>.edu/Keir for additional information.HS 332 Financial Planning ApplicationsUses case analysis to integrate planning techniques, tools and products covered in priorcourses. Provides practical experience in analyzing and solving realistic financial problems ofindividuals and businesses. Includes cases that range from simple fact patterns and basicdocuments to complex situations involving not only personal financial problems, but alsofinancial problems associated with businesses, business ownership and estate planning.Tuition: $599Includes: text by Lemoine, Financial Planning Applications; student supplement; sampleexam questions; online enhancements.58
HS 334 Estate Planning ApplicationsCovers estate and gift tax principles with an emphasis on life insurance planning applications.Discusses forecasting the gross estate, life insurance trusts, valuation principles, the use ofcharitable contributions as an estate planning technique, planning opportunities stemmingfrom the marital relationship, the taxation of trusts, implications of employee benefits andestate freezes. Includes a case study reflecting procedural aspects of estate planning.Tuition: $599Includes: text by Kurlowicz, Estate Planning Applications; study guide; audio review; sampleexam questions; online enhancements, including key term exercises. Supplemental study toolsavailable for an additional cost. See <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Keir for additional information.HS 340 Advanced Topics in Group BenefitsCovers various advanced topics in group benefits. Addresses COBRA, ERISA, HIPAA privacyrules, Social Security, Medicare, Medicaid, health plans for federal workers, voluntarybenefits, dental benefits, self-funding, international benefits and ethics. Course will berevised July 2011.Tuition: $599Includes: text by Beam and O’Hare, eds., Advanced Topics in Group Benefits; study guide;audio review; sample exam questions; online enhancements.HS 342 Executive CompensationAnalyzes the many types of programs used to provide benefits for executives of business firms.Discusses plan design and installation and reviews ERISA, tax and other compliance issues thatapply to each type of program. <strong>The</strong> course includes cash-compensation planning, nonqualifieddeferred-compensation plans, funded deferred compensation and restricted-property plans,stock options, split-dollar life insurance plans, disability income benefits, executive fringebenefits, health reimbursement arrangements and limits on golden parachute payments.Tuition: $599Includes: text by McFadden and Schneider, Executive Compensation; audio review; sampleexam questions; online enhancements.HS 343 Compensation and Personnel ManagementCovers the broad area of human resource management, including total compensationplanning and the interrelationship of employee benefits with cash compensation. Alsodiscusses employee recruitment, selection, interviewing and orientation, training andmanagement development, performance appraisal, safety and health, labor relations andcollective bargaining and equal opportunity and the law.Tuition: $599Includes: text by Dessler, Human Resource Management; study guide; audio review; sampleexam questions; online enhancements.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.eduHS 344 Advanced Topics in Managed CareAnalyzes managed health care in detail. Covers such topics as physician and member behavior,provider compensation, authorization systems, member services, specialty managed careservices, value, accreditation, information systems, sales, marketing and federal legislation.Course will be revised October 2011.Tuition: $599Includes: text by Kongstevdt, Essentials of Managed Health Care; study guide; audio review;sample exam questions; online enhancements.NEWHS 345: Essentials of <strong>Healthcare</strong> ReformThis course is a comprehensive study of major healthcare reform in the United States. <strong>The</strong>student will understand the issues that lead to reform and the significant changes mandatedin the 2010 healthcare reform legislation. Students will learn the details of grandfatheredhealth plans, state exchanges, medical loss ratios, and revised internal and external reviewprocesses under healthcare reform. <strong>The</strong> course also will explore the CLASS act and the effectof healthcare reform on HIPAA and ERISA legislation. Students who successfully pass thiscourse will be positioned to serve effectively in the new environment created by the historichealthcare reform of 2010.Tuition: $599NEWHS 346: <strong>The</strong> <strong>Healthcare</strong> <strong>Consultant</strong>This course is designed to provide the knowledge and skills for healthcare professionals tooperate in the new environment formed by passage of massive healthcare reform legislationin 2010. <strong>The</strong> course first reviews the effects of healthcare reform at the federal and statelevels and the consequences for insurers, employers, and individuals. Next, the courseexplores the regulatory environments including state regulations and federal agencies such asthe Department of Labor, Internal Revenue Service and the Department of Health andHuman Services. With that overview, the subject turns to the evolving role of the healthcareconsultant and new opportunities as a fee-based healthcare consultant. <strong>The</strong> course emphasizescommunications, the healthcare planning process, and characteristics of successfulconsultants. Finally, the course explores group health plans, individual plans, and ethicalbusiness practices.Tuition: $59959
Solomon S. Huebner SchoolHS 350 Understanding the Older ClientFocuses on the important changes clients face as they age to enable financial advisors tobetter serve clients’ needs. Presents the demographics of aging, as well as economic,historical, biological, psychological and political perspectives. Deals with social aspects — lifecourse transitions, family relationships and social support systems, living arrangements andwork and retirement. Covers care issues, including health and health care, caring for the frailelderly and dying, death and bereavement. Also addresses practical considerations involved incommunicating effectively with seniors.Tuition: $599Includes: text by Quadagno, Understanding the Older Client (Aging and the Life Course);text by Solie, How to Say It ® to Seniors; study guide; audio review; sample exam questions;online enhancements.HS 351 Health and Long-Term Care Financing for SeniorsProvides a thorough analysis of the alternatives available for senior clients to finance medicaland long-term care, including private resources, government programs and private insurance.Emphasizes the need for care, the settings in which health care services are provided, and thetypes of resources available to finance them.Tuition: $599Includes: text by Beam, Lynch, Morith and O’Hare, Health and Long-Term Care Financing forSeniors; study guide; audio review; sample exam questions; online enhancements.HS 352 Financial Decisions for RetirementFocuses on financial decisions clients face as they approach, reach and pass retirement ageand on the tools and techniques financial advisors may employ to assist their clients withthese decisions. <strong>The</strong> course covers sources of income (including company provided benefitsand Social Security), retirement calculations, investment considerations both during theaccumulation and distribution phases, annuities, housing decisions and estate planningconcerns. Especially valuable for practitioners helping clients move retirement assets fromemployer sponsored to individual retirement plans. Provides perspectives on dealing withaging and retired clients and their families.Tuition: $599Includes: text by Littell, Financial Decisions for Retirement; text edited by Tacchino, MakingRetirement Secure; study supplement; audio review; sample exam questions; onlineenhancements. Supplemental study tools available for an additional cost.See <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Keir for additional information.HS 371 Essentials of Management DevelopmentA video-based-learning, moderator-driven field management program that covers vision, recruitingand selection, training and supervision, personal development, goal setting and business planning.For tuition and other information, contact GAMA International, 800-345-2687.Tuition: $700HS 372 Leading Practices SeminarOne- to two-day seminars that focus on critical issues facing field managers today, such asleadership, productivity, recruiting, and marketing. For tuition and other information, contactGAMA International, 800-345-2687.Tuition: $700HS 373 Practice Management Concepts for Agency ManagersAn in-depth analysis of the proven practices for field leaders in the financial services industry.A practical, day-to-day approach to leadership, sales psychology and business strategy. Focuseson the need for critical results in a fast paced world.Tuition: $700HS 381 Integrated Leadership PracticesTwelve weekly, one-and-a-half-hour, live, online sessions focusing on the knowledge, skills andabilities of new financial services field leaders. <strong>The</strong> course is a highly interactive overview of thetools and techniques required to effectively recruit, develop and retain sales representatives withinan agency culture of success. <strong>The</strong> course-long project is a fully developed business plan. For tuitionand other information, contact CLF ® Administration, phone: 610-526-1419; fax: 610-526-1359.Tuition: $1,195Includes: workbook by Herbison and Sarr, Integrated Leadership Practices; online access andenhancements.HS 382 Leadership in a Changing WorldPresents basic leadership concepts and the essentials that every effective leader practices.Examines core leadership behaviors and the results of applying them. Explores the leader’srole in creating, inspiring and maintaining an ethical climate.Tuition: $700Includes: texts by Hughes, Ginnett, and Curphy, Leadership: Enhancing the Lessons of Experience;text by Pritchett, New Work Habits for a Radically Changing World; study guide; onlineenhancements.60
HS 383 Interpersonal Relationships in the WorkplaceHelps managers enhance interactions with others by understanding basic concepts of interpersonalrelationships in work organizations. Uses a human relations model and case studies toillustrate concepts, skills and techniques. Discusses topics such as understanding informalorganization, productivity, quality improvement, job redesign, performance appraisal, employeerewards, managing conflict and change and dealing with difficult people.Tuition: $700Includes: texts by Brinkman and Kirschner, Dealing with People You Can’t Stand; Baldwin,Bommer, and Rubin, Developing Management Skills: What Great Managers Know and Do;study guide; online enhancements.HS 384 Creative Problem-Solving and the Strategic Planning ProcessImproves the manager’s ability to solve problems creatively using both analytical and intuitivemeans. Provides an in-depth understanding of the strategic planning process, along withreadings that demonstrate the application of strategic planning concepts.Tuition: $700Includes: texts by Pearce and Robinson, Formulation, Implementation, and Control ofCompetitive Strategy; Croce with Lyon, Lead or Get off the Pot!; study guide; onlineenhancements.HS 385 Leading the Marketing Organization of the Future (CLF ® Field Capstone)Four-day capstone course focusing on the critical need to help today’s field managers becometomorrow’s marketing leaders. Integrates tools and techniques from previous CLF ® courses,along with an organizational simulation to help managers analyze their current operations,create a customized marketing organization and develop implementation plans.For tuition and other information, contact CLF ® Administration, phone: 610-526-1419; fax:610-526-1359.Tuition: $1,875HS 386 Field Management Seminar (FMS)A topical program delivered online live or recorded, with a focus on current issues critical to afield manager’s success and performance.For tuition and other information, contact CLF ® Administration, phone: 610-526-1419; fax:610-526-1359.Tuition: $300HS 387 Marketing Management of Financial ServicesCovers the essentials of marketing management, including planning and tactical considerationsand a variety of functional areas. While taking a mainstream marketing managementapproach, also includes thought-provoking issues in life insurance and financial services.Tuition: $700Includes: text by Kotler and Keller, Marketing Management; study guide; online enhancements.HS 388 Leading in the Office Environment (CLF ® Office Capstone)Focuses on the critical skills of financial services home-office and field-support leaders. Bringsleaders together to share best practices and integrate the tools and techniques of previousCLF ® courses. Develops the knowledge, skills and abilities required to transform frommanager to leader. For tuition and other information, contact CLF ® Administration, phone:610-526-1419; fax: 610-526-1359.Tuition: $1,875HS 389 Human Resource ManagementApproaches human resource management as a strategic element in every organization.Covers all aspects, including legal issues, job analysis, recruiting and selection, performancemanagement and career development, compensation and pay for performance, safety andhealth and employee relations.Tuition: $700Includes: text by Dessler, Human Resource Management; study guide; online enhancements.CE Ethics<strong>The</strong> following on-demand webcasts are focused on ethics in financial planning and areavailable for continuing education credit:CE 126 Ethics for the CFP ® ProfessionalExamines the Principles of the CFP ® code of ethics, and engages the student in reflecting onhow to analyze and resolve real life ethical dilemmas facing financial planners in an effectiveway. Fulfills the 2 hours of ethics continuing education for CFP ® Certification.Tuition: $45CE 100 Issues in the Ethics of Financial ServicesExamines concrete ethical situations that face financial services professionals and helps thestudent develop ethical awareness of issues. It provides tools for effective ethical decisionmaking. Fulfills 3 hours of continuing education for state insurance ethics requirements. Thisclass is subject to state eligibility.Tuition: $50Certified Financial Planner Board of Standards Inc. owns the marks CFP ® , CERTIFIED FINANCIAL PLANNER and CFP (with flame logo) ® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 61
Irwin Graduate SchoolMSFS, MSM, Graduate Financial Planning Track, Graduate Certificates, CAP ®Designation and AEP Education ProgramGS 803 Financial Statements and Business Valuation Analysis<strong>The</strong> first part of this course teaches students the “language of business” — accounting. Itdeals with understanding and analyzing financial statements to evaluate the financial stabilityand performance of a company. <strong>The</strong> second part of this course provides students withknowledge of the fundamentals of equity valuation. Course grades are determined by theperformance on an Examination on Demand ® (EOD). Students are strongly encouraged tocomplete this course prior to taking either GS 811 (Security Analysis and PortfolioManagement) or GS 819 (Mutual Funds).Tuition: $1,150Includes: Textbook, study guide and online support.GS 811 Security Analysis and Portfolio ManagementThis course teaches portfolio theory through a two decision process: Setting the optimal assetallocation mix (using modern portfolio theory) and selecting securities within the asset classthrough fundamental analysis. While focusing primarily on the first, the course briefly reviewssecurity analysis models, capital markets, and historic risk/return aspects. This course presentstheory and application of identifying optimal allocation of wealth among various asset classes.Techniques are discussed for quantifying expected risk and return for both individual assetclasses and portfolios. This course requires a significant investment of time from the student.Tuition: See Tuition and Fees on page 78.Includes: Textbook, study guide and online enhancements.Self-study course tuition: $1,150Includes: Textbook, study guide and online enhancements.GS 804 Communications and Research (Residency)Focuses on enabling students to excel at communications challenges that emerge in theirbusiness, including written, verbal, interpersonal and media-related topics. Considers a widerange of business situations where communications excellence is both demanded andexpected by stakeholders.Residency tuition: See Tuition and Fees on page 78.Includes: Textbook, study guide and online enhancements.GS 807 MSFS Case Study ProjectThis course requires the student to develop a comprehensive solution to a financial planningcase. <strong>The</strong> case materials are introduced online. Students are expected to complete both acomprehensive financial plan and an executive summary.Tuition: See Tuition and Fees on page 78.Includes: Online materials and instructions.62
GS 814 Qualified Retirement PlansCourse covers qualified defined-contribution and defined-benefits plans, as well as similararrangements, such as IRAs, SEPs, SIMPLEs, 457 plans, and 403(b) plans. Planning issues areemphasized, with a particular focus on the use of plans in small, closely held businesses. Alltypes of qualified arrangements currently used for enhancing employee retirement planningare covered, including ESOPs, 401(k) plans, and age-weighted plans, as well as topics such aslife insurance as a plan investment, plan loans and qualified plan distributions. <strong>The</strong> courseculminates with the analysis of a comprehensive case study.Tuition: $1,150Includes: Textbook, study guide and online enhancements.GS 815 Advanced Estate Planning I<strong>The</strong> first of two advanced gift and estate planning courses. Presents an overview of gift,estate and generation-skipping transfer tax law and builds on that knowledge for applicationto real-life cases and situations. Covers taxable transfers of property during life and at death;property valuation; inclusion of property in a decedent’s gross estate; the marital, charitableand other deductions; and computation processes involved in estate and gift taxation.Tuition: $1,150Includes: Textbook, study guide and online enhancements.GS 816 Advanced Estate Planning IIProvides an in-depth examination of the tools and techniques of estate planning, based onGS 815. Topics include methods of property transfer, including probate, contractual beneficiarydesignation and operation of law; techniques for lifetime gifts, including charitabledonations; life insurance planning; estate planning for qualified plans and IRAs; ownership offamily business entities, such as family limited partnerships, limited liability companies andcorporations; opportunities for disposition of a closely held business interest; generationskippingtransfers; and planning for the elderly.Tuition: $1,150Includes: Textbook, study guide and online enhancements.GS 817 Personal Tax PlanningIntroduces current tax laws, new cases, revenue rulings and regulations for income taxplanning. Presents strategies and techniques for tax reductions, including the laws governingincome allocation, tax shelters, income shifting and deduction recognition and timing.Tuition: $1,150Includes: Textbook, study guide and online enhancements.GS 819 Mutual Funds: Analysis, Allocation and Performance EvaluationProvides a basic understanding of the concepts, sources of information and fee structure ofmutual fund investing. Presents modern portfolio theory, which utilizes mutual funds as assetclasses, and explains how computer-based decision tools support the allocation decision acrossa pre-qualified set of mutual funds. Focuses on recent empirical evidence regarding performanceevaluation and risk characteristics used in pre-qualifying mutual funds for investment.Tuition: $1,150Includes: Textbook, study guide and online enhancements.David Walker, Founder and Chief Executive Officer of Comeback America Initiative (CAI) and former ComptrollerGeneral of the United States, addresses attendees of the 2010 Knowledge Summit in NYC.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu63
Irwin Graduate SchoolGS 831 Ethics and Human Values (Residency)A highly interactive course which examines ethical issues and human values from theparticular perspective of the financial services professional. It examines the specific responsibilitiesassumed by those professionals. This course focuses on the specific ethical situationsencountered in their professional dealings by the students. It involves discussion andevaluation of these decisions by examining the extent to which they adhere to fundamentalethical principles, such as integrity, justice and fairness, benevolence and responsibility. Itfocuses on behavior and the implementation of core values through case studies and analysisof ethical dilemmas. In this highly participative course, the leadership candidate is expectedto complete both the reading material and written assignments before arriving on campus.Residency tuition: See Tuition and Fees on page 78.Includes: Textbook, study guide and online enhancements.GS 839 Planning for Philanthropic Impact in the Context of Family WealthFocuses on how clients and donors can use financial planning, estate planning, and giftplanning to advance their personal financial goals while also having a positive impact on theirheirs and on their community. <strong>The</strong> course considers the various roles gift planners play; whatit means to be a CAP ® ; the role of wealth and philanthropy in successful families; planningfor social impact; youth giving; and how to market philanthropic advisory services to specificniches, including business owners, schools, women, and religious organizations. A comprehensivecase study is provided. <strong>The</strong> course includes a comprehensive study guide withreadings on both the art and the science of gift planning.Tuition: $1,150Includes: texts by Scott Fithian and Todd Fithian, Your Seat at the Table: Where Do You Sit in theMinds of the Affluent?; and Charles Collier, Wealth in Families, second edition.GS 836 Business Succession Planning IFirst of two business succession planning courses. Focuses on basic techniques of businesssuccession planning for the family business. Examines the psychology of succession planning,federal income and estate tax consequences of basic business forms and planning devices,control issues often faced by family-owned businesses and use of buy-sell agreements inbusiness succession planning.Tuition: $1,150Includes: Textbook, study guide and online enhancements.GS 838 Business Succession Planning IISecond of two business succession planning courses. Covers advanced topics in businesssuccession planning. Provides an overview of gift and trust taxation to illustrate howcharitable transfers facilitate business succession planning objectives. Presents detailedcoverage of family limited partnerships and limited-liability companies. Covers sales and giftsof business interests using discounting techniques. <strong>The</strong> course discusses the use of benefitand retirement plan strategies to facilitate succession planning. <strong>The</strong> course includes acomprehensive case study. This course also is available as self-study.Tuition: $1,150Includes: Textbook, study guide and online enhancements.NEWGS 840 Building & Managing Financial Advisory PracticeEncompasses the concepts of improving the operational efficiency and profitability of afinancial advisory practice. <strong>The</strong> approach used in this course focuses on two major areas:how to increase recurring revenue, profit, and repeatable processes; and how to structurethe practice in such a way that it can be sold for maximum profit, if applicable. <strong>The</strong> courseconcentrates on the eight essential business and operational disciplines: client acquisition,client management, the consultative sales/planning process, case development, timemanagement, communication, education, and financial management. <strong>The</strong> final project forthis course is a comprehensive business plan containing each of the disciplines, with a focuson increasing the value of the practice.Tuition: $1,150Includes: Textbook, study guide and online enhancements.GS 842 Executive CompensationCovers executive compensation plans, emphasizing owner-employees of closely heldbusinesses. Focuses on design of cash and bonus compensation, stock options and otherforms of compensation with restricted property; life insurance, including split-dollar plansand other death benefits; nonqualified deferred compensation; health and disability plans;and various fringe benefits. Covers plan installation, financing and administration, as well asERISA, tax, including sections 280G and 409A and other legal and accounting complianceissues. <strong>The</strong> course culminates with the analysis of a comprehensive case study.Tuition: $1,150Includes: Textbook, study guide and online enhancements.64
GS 849 Charitable StrategiesFocuses on the tools and techniques of charitable planning in a financial, tax, and legal context.<strong>The</strong> course also provides a larger framework within which to consider the social and familyimpact of the tools. Special attention is devoted to charitable planning for closely held businessclients. Tools discussed include charitable remainder trusts, charitable leads trusts, life estates,use of qualified plan assets, conservation easements, foundations, supporting organizations,life insurance, donor advised funds, and charitable lead trusts. <strong>The</strong> course includes a comprehensivestudy guide with readings drawn from journals of finance and philanthropy..Tuition: $1,150Includes: text by Biebl and Ranweiler, Charitable Strategies.GS 859 Gift Planning in a Nonprofit ContextFocuses on what is called “planned giving.” <strong>The</strong> course will help advisors and nonprofitscollaborate to create, count, and steward meaningful gifts from wealthy donors as part ofthe donor’s overall financial, estate, and legacy plan. Topics include: planned giving as aprofession; the role of a nonprofit board; traditional philosophies of planned giving; theemerging “consultative” philosophy of trusted advisors; the legal framework within whichplanned giving is done; how advisors and nonprofit professionals can partner for optimaldonor/client outcomes; and the ethics and ideals of the gift planning professions. <strong>The</strong> coursecontains a comprehensive study guide with contemporary readings from gift planning,financial, and estate planning journals.Tuition: $1,150Includes: text by Maister, Green and Galford, <strong>The</strong> Trusted Advisor; Widmer and Houchin,<strong>The</strong> Art of Trusteeship; Sturtevant, <strong>The</strong> Artful Journey.MSM Course Descriptions<strong>The</strong> total cost of the Master of Science in Management (with an emphasis inleadership) program is $29,000, plus a $350 nonrefundable application fee. <strong>The</strong>program fee includes tuition, textbooks and other study materials. Students areresponsible for transportation and lodging. <strong>The</strong> courses are not available separately.Please see pages 30-31 for more information.GS 900 Communications and LeadershipProvides a comprehensive approach to communicating at work from the perspective of theexecutive, enabling the leadership student to understand and correct the poor communicationprocesses and systems in many organizations. Students focus on mitigating conflictthrough constructive communication, projecting the appropriate perception of power,customizing communication to maximize clarity of understanding, swiftly dealing with crisiscommunications and generally communicating effectively, whether in a conversation, withina group, by e-mail or to an audience.GS 910 Leadership Development ExperienceA year-long course designed to provide students with skills useful to their current work as itprepares them for greater leadership challenges in the future. It begins in Residency I with anintroduction to the project and its goals and ends in Residency II with a presentation of thestudent’s findings in a paper and presentation to fellow students. <strong>The</strong> course requires thatstudents develop a plan for dealing with a specific project of their choosing, that they arelikely to face in their role as a leader. <strong>The</strong>ir research will involve examining best practicesemployed by top executives in many successful companies to facilitate change and improveperformance. <strong>The</strong> student’s final working draft will recommend a specific resolution of theproblem they chose to address in their year’s research.GS 920 Personal and Interpersonal Leadership SkillsThis course enhances the leader’s skill sets by providing the theory and applications ofpersonal, interpersonal and group and organizational skills. <strong>The</strong> personal skills emphasizeleader self-awareness; the interpersonal skills place emphasis on the one-on-one interaction;and the group and organizational interpersonal skills place the emphasis on teams. An arrayof articles is used to illustrate major skills that are discussed in the text. <strong>The</strong> latter part of thiscourse asks the student to conduct several self-assessments based on the idea that one mustunderstand one’s self before understanding those who are led.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu65
Irwin Graduate SchoolGS 930 Classic and Contemporary Leadership StudiesDifferentiates management skills from leadership skills. It reviews the essential research of thelast 100+ years as it describes the traits, style and functions of a leader, as well as situationalaspects, team leadership and transformational leadership. <strong>The</strong> twin aspects of humility andwill, which are essential to move from good leadership to great leadership, are discussed.Contemporary issues of leadership as they relate to changes in society are also covered.GS 940 Dynamic Organizational LeadershipUnderstanding organizational behavior as a necessary requirement for whole systems indeveloping organizations is the central content of this course. <strong>The</strong> course connects the drivesof human behavior to group behavior in dealing with learning, stress and conflict and thesubsequent impact on an organization’s culture and strategy as they continue to change.Also, it demonstrates the importance of power, influence and politics on human behaviorand why it is critical to develop the skills to delegate, motivate, appraise performance andstill be flexible and creative. <strong>The</strong> relationships between individual performance and theenvironment of the organization are analyzed in depth.GS 950 Law, Compliance, Benefits and Social ResponsibilityShows the relationships between law, compliance processes, employee compensation andbenefits packages, social responsibility and the success of an organization. Building on thebehaviors explored in GS 940, it elaborates on the importance of human resources expertiseregarding job analysis, recruitment, selection, compensation, measurement of performanceand diversity in leading a successful organization. <strong>The</strong> course demonstrates the importance ofthe organization’s compliance with government requirements of fairness at work, and itincludes a discussion of contemporary human resource management and leadershipprinciples and practices.GS 960 Leading Strategy DevelopmentStrategic management is concerned with determining the future direction of an organizationand implementing the decisions aimed at achieving the organization’s long-term andshort-term objectives. <strong>The</strong> strategic management process consists of seven major interrelatedsubprocesses, including the strengths, weaknesses, opportunities and threats (SWOT) analysisapproach. <strong>The</strong> process enables a leader to formulate and implement strategies that accomplishthe mission and vision of the organization.GS 970 Decision Making Leadership SkillsExamines the individual and collective factors that affect the decisions managers make intheir everyday routine at work. <strong>The</strong> approach is descriptive and prescriptive as it focuses onhow managers actually make decisions, as well as how they ought to make them to optimizefulfillment of organizational and personal goals. <strong>The</strong>re are two main sections of the course:the first deals with individual-level processes that influence decisions; the second considersthe collective forces that affect managers’ and leaders’ decisions.GS 980 Ethics in Leadership<strong>The</strong> course covers four areas: ethical awareness, ethical analysis/ethical decision making, currentethical issues in the financial services industry and ethical leadership and management in anorganization. This class provides the skills required to make reasoned responses to ethicaldilemmas, deal with daily and long-term ethical challenges and build an ethical culture in anorganization. <strong>The</strong> course explores the influence of emotions and values sets on behavior anddecisions, and it explains how to ethically cope with conflicting demands of various stakeholders.It also examines the issue of why good people act unethically. In this highly participativecourse, the leadership candidate is expected to complete both the reading material and writtenassignments before arriving on campus.GS 990 Management by Leadership<strong>The</strong> primary goal of this course is to enhance the leadership candidate’s perception of thethree primary aspects of the organization: individuals, groups and the organization itself.<strong>The</strong>se three interrelated perspectives are always present in a leader’s perception. To achieve atthe executive level, the leader must lead the organization, drive the groups, systems andprocesses and inspire at the individual level. <strong>The</strong> leadership skills covered in this courseinclude influence, persuasion, diplomacy, innovation, negotiation, conflict resolution andreflective practice.66
Campus Security ReportClery Act DisclosureAlthough we are not a residential institution and we have no on-campus housing, we believeit is important to comply with the spirit of <strong>The</strong> Clery Act so that an accounting of crime onour campus, owned by <strong>The</strong> Jewish Federation of Greater Philadelphia, is shared with currentand prospective students. Further details on any aspect of this information is available fromNeal Fegely, Chief Operating Officer, <strong>The</strong> <strong>American</strong> <strong>College</strong>, 270 South Bryn Mawr Avenue,Bryn Mawr, PA 19010. His telephone number is 610-526-1000.<strong>The</strong> Act calls for:(A) A statement of current campus policies regarding procedures and facilities for studentsand others to report criminal actions or other emergencies occurring on campus and policiesconcerning the institution’s response to such reports.<strong>The</strong> <strong>College</strong> makes all employees aware of safety reminders during orientation andthroughout their employment. Students taking a professional class on campus are remindedby instructors at the beginning of a program regarding evacuation and safety issues. We haveemergency boxes and phones strategically placed in Foundation Hall. All of our operationsare in one building where we have a formal reception desk. All guests must wear Guest IDbadges, and all guests register at the front desk. Doors are locked and secure and onlyavailable with an electronic sensor device.(B) A statement of current policies concerning security and access to campus facilities,including campus residences and security considerations used in the maintenance of campusfacilities.See above. Maintenance is handled both by <strong>The</strong> <strong>College</strong> and an external third party governedby the owner of the campus.(C) A statement of current policies concerning campus law enforcement.All employees and visitors may call 8-911 for immediate access to local police. We havesecurity personnel on campus that we share with <strong>The</strong> Jewish Federation of GreaterPhiladelphia during evening hours.(i) <strong>The</strong> enforcement authority of security personnel, including their working relationship withState and local police agencies.We do not employ security personnel.(ii) Policies that encourage accurate and prompt reporting of all crimes to the campus policeand the appropriate police agencies.<strong>The</strong> <strong>College</strong> encourages all emergency concerns to be shared immediately. Any employee orguest should dial “8,” then “9-1-1” for emergency assistance.(D) A description of the type and frequency of programs designed to inform students andemployees about campus security procedures and practices and to encourage students andemployees to be responsible for their own security and the security of others.<strong>The</strong> <strong>College</strong> does not have residential programs, and as such the need for training comparableto that of a traditional university is not offered. A comprehensive Crisis ManagementPlan is managed by the Office of the President and Chief Executive Officer.(E) A description of programs designed to inform students and employees about theprevention of crimes.Posters are publicly displayed regarding safety awareness, anti-stalking policies and smartaction procedures in the event of a threat or incident.(F) Statistics concerning the occurrence on campus, in or on noncampus buildings orproperty, and on public property during the most recent calendar year, and during the twopreceding calendar years for which data are available. See below.(i) Of the following criminal offenses reported to campus security authorities or localpolice agencies:(I) Murder: None(II) Sex offenses, forcible or nonforcible: None(III) Robbery: None(IV) Aggravated assault: None(V) Burglary: One(VI) Motor vehicle theft: None(VII) Manslaughter: None(VIII) Arson: None(IX) Arrests or persons referred for campus disciplinary action for liquor law violations,drug-related violations and weapons possession: None<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 67
Examinations and GradesLUTCF/FSS ProgramsSuccessful completion of an LUTCF/FSS course requires meeting requirements in the areas ofattendance, final examination and term grade, as described below. <strong>The</strong> grade report ismailed directly to you approximately three weeks after the final examination is received at<strong>The</strong> <strong>American</strong> <strong>College</strong>. Grades are stated only as “pass” or “nonpass.”Attendance: You may be absent for no more than two regularly scheduled classes.Final exam: You must achieve a score of at least 70 percent on the final exam.Term grade: Your term grade must be at least 70 percent.<strong>The</strong> term grade is determined by averaging your final examination grade with the moderator’sgrade. <strong>The</strong> moderator’s grade is an average of the grades earned by the student for classparticipation, written assignments, sales planning projects and action projects.Please note: All FA courses, whether in the classroom or online, only qualify for self-studyCE. (Texas and Utah students should take special note.)FA 290 is a self-study course that concludes with an online examination. Completion of priorLUTCF ethics courses (LUTCF-601 Piecing Together the Ethical Puzzle; LUTCF-611 Chartingan Ethical Course; or LUTCF-612 Charting an Ethical Course for the Multiline Agent) also willsatisfy this requirement.Local class students take paper final examinations. Online students take online exams, exceptfor students licensed in New York, who take paper exams.If you fail a final exam but have met all other course requirements, you may request are-examination. If you are absent from the regular exam session, you may request to take analternate exam on a specified date. See Tuition and Fees on page 78 for eligibility, fees andinstructions.Huebner School and Irwin Graduate School Self-Study CoursesWhen you register for a course, you must select an exam period for your test. Select anexam period that ensures you have adequate time to study for the test. After yourcourse registration is complete, <strong>The</strong> <strong>College</strong> will e-mail you an EOD ® (Examinations onDemand ® ) ticket. This ticket will be used when you schedule your final exam appointment.(If you select a future exam period, please consult the revision schedule for coursematerial availability, at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/CourseRevision).You should schedule your exam appointment as soon as possible after you receive your EOD ®ticket to ensure a seat for your examination and to give yourself enough time to study.Scheduling Your ExamYou must wait at least two business days after registering before contacting the examcenter’s vendor headquarters to make an EOD ® appointment for the current quarter. Whenscheduling your appointment, ask if there is a Pearson Professional Center in your area. <strong>The</strong>vendor contact information is:• 866-EXAMTAC (866-392-6822)• www.VUE.com/tacTo make an EOD ® appointment for a future quarter, you must wait until the week precedingthat quarter before scheduling the appointment. Do not leave a voicemail message whenmaking the appointment. Have your EOD ® ticket with you when you call the exam centervendor headquarters. You will be asked to provide the following information as it appears onyour ticket:• Enrollment name: last name and first initial. If there is an error, immediately contact oneof our Professional Education counselors before making your appointment. If theenrollment name is incorrect, the exam center will not allow you to take the exam.• Course-test series number.• Student identification number.Please confirm date and time of your appointment with the vendor headquarters at least twobusiness days before your appointment.Availability: <strong>The</strong> center needs 24 hours advance notice to schedule your exam. Allappointments are made on a first-come, first-served basis and are subject to seatingavailability. Please note, we cannot guarantee seats at the testing facility if you wait until thelast month in the test period to schedule your exam. No walk-in or same-day exams areavailable.Special needs: <strong>The</strong> <strong>College</strong> can provide additional time if English is your second language.Requests must be made in writing to the Examination Systems Department at least twoweeks prior to your desired appointment. Special accommodations also can be made if youhave a disability and/or a learning impairment. Requests must be made in writing toExamination Systems at least one month prior to your desired appointment. You will berequired to provide medical documentation of your disability. Paper-and-pencil exams areavailable only under special circumstances by writing to Examination Systems at least twomonths before the desired appointment. A fee may be charged for this service.It is considered an ethical violation if a student posts any specific information aboutany question on an EOD ® exam. Ethical violations may be brought to the attentionof the Certification Committee, and such students may have current designationsrevoked, or may be denied future designations.68
Canceling and Rescheduling Your ExamContact the exam center vendor headquarters (or visit its website) to cancel or rescheduleyour exam. Do not leave a voicemail message when making, changing or cancelingappointments. Do not call <strong>The</strong> <strong>College</strong> to cancel an appointment. Only the vendorheadquarters can cancel or reschedule your appointment.Once you have canceled your appointment, you can reschedule in the same quarter withany center and without charge, provided you cancel one business day in advance of yourappointment time. If you want to reschedule, you must do so before the expiration date onyour exam ticket. For example, for an EOD ® appointment on Monday at 3 p.m., you mustcancel by 7 p.m. Central Time on Friday of the previous week.If you call after 7 p.m., arrive more than 15 minutes late, or do not appear for your exam, youwill be charged $100 to cover the unused computer time for which <strong>The</strong> <strong>College</strong> is billed.If you are unable to test before the expiration date on your EOD ® ticket, see Tuition and Feeson page 78 for details.Exam Day Arrival, Use of Calculators and GradesBe sure to arrive at the EOD ® center at least 15 minutes before your appointment. Bring yourEOD ® ticket and two forms of valid personal identification bearing your signature. At leastone form of identification must be a current document (for example, driver’s license, passport,etc.) with a photo and/or physical description. <strong>The</strong> examination is “mouse” and/or“keyboard” driven. If you need instructions on how to use the computer, you are entitled toreceive a tutorial before your exam begins.You may bring one nonprinting, nonalphanumeric, battery-powered, hand-held calculatorwith an internal rate of return function to <strong>The</strong> <strong>College</strong>’s examinations. For HS 300 and HS328, a calculator is required to answer some exam questions. For HS 321, HS 323, HS 326,HS 330, HS 331 and GS 811, we strongly recommend that you bring a calculator to theexams, although it is not required to answer the questions. We also recommend that youbecome proficient in using a financial calculator if you intend to sit for the CFP ® CertificationExamination, for which calculator use is required. Selected assignments in HS 300 and inreview materials for this exam include practice exercises for using financial calculators.Contact a Professional Education counselor for more information. For other HS and GScourse examinations, a calculator is neither required nor recommended. Please note, testcenters do not supply calculators.<strong>The</strong> <strong>College</strong>’s study materials for HS 300 and HS 328 support the HP-10BII calculator. Westrongly recommend that you use a calculator supported by the course. However, you mayuse any financial calculator that meets the above specifications.<strong>The</strong> EOD ® exam is graded as “pass” or “fail” as soon as you complete it. However, all HS andGS exams are now assigned letter grades, replacing the traditional pass/fail grading structureon your final grade report. You will continue to receive the pass/fail message, as well as aprinted performance analysis, which indicates assignments to review if you need to retakethe exam. In several days, you will receive your official grade report, which will list a grade ofA, B or C if you passed the exam.IMPORTANT: <strong>College</strong> rules require that a student who fails the same Huebner School coursethree (3) times must wait a minimum of six (6) months from the time of the third failurebefore taking the exam again. <strong>The</strong>re are no exceptions to this rule.CLF ® Self-Study Courses and GS Residency CoursesExams for the self-study CLF ® courses (HS 373, HS 382, HS 383, HS 384 and HS 387) areshort-answer, paper- and-pencil essay exams. To arrange for these exams, contact CLF ®Administration at 610-526-1419. GS residency courses typically conclude with in-classexams. For more information, contact MSM Graduate Administration at 610-526-1451 orMSFS Graduate Administration at 610-526-1385.MSFS ResidenciesExact dates for the Residency are announced 6 months in advance, and registration materialsare sent to all students who are formally admitted to the MSFS program and who are eligibleto attend; you also may request them by contacting MSFS Graduate Administration,610-526-1385 or MSFS@<strong>The</strong><strong>American</strong><strong>College</strong>.edu Students should register 6-8 weeksprior to the start date, to allow time to review the course materials.<strong>The</strong> residency courses conclude in either a paper-and-pencil exam (multiple-choice /shortessay) or an assignment or project. Your advance reading materials will describe the formatof the exam or final assignment. Residency tuition covers cost of all study materials andinstruction during the week. A commuter fee, covering catered breakfasts and lunches atthe college, will be charged as well. For the Residency, participants will need to make hotelreservations directly with the hotel. <strong>The</strong> <strong>College</strong> will arrange a group rate for participants andprovide hotel contact information.Certified Financial Planner Board of Standards Inc. owns the certification marks CFP ® , CERTIFIED FINANCIAL PLANNER,and CFP (with flame logo) ® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial andongoing certification requirements.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 69
Program CompletionNew Recertification Fee for First-Time PACE-Required Designees afterFebruary 1, 2007• Only for designations subject to the Professional Achievement in Continuing Education(PACE) Recertification Program.• A single fee covers multiple designations.• Not retroactive for prior PACE-required designees.For more than 84 years, well over 158,000 financial services professionals have studied orearned designations with <strong>The</strong> <strong>American</strong> <strong>College</strong>. We are proud to count you in that groupand appreciate your commitment to career-long, practical learning that benefits both you andyour clients.Because the regulations and market dynamics affecting our industry are constantly changing,<strong>The</strong> <strong>American</strong> <strong>College</strong> wants to ensure that the credentials you worked so hard to earnremain current, relevant and serve as an emblem of excellence and expertise with both yourpeers and your clients.To meet the costs of appropriately providing and monitoring PACE certification and tocontinue building public recognition of these important designations, we have instituted asingle, biennial recertification fee of $250 that will cover all of the designations a studentearns from <strong>The</strong> <strong>American</strong> <strong>College</strong>. This fee, charged every two years, will help <strong>The</strong> <strong>American</strong><strong>College</strong> maintain the high value of your designations throughout your professional career.This recertification fee is effective for all students who were awarded their first designationsubject to PACE after February 1, 2007. <strong>The</strong> first payment for this fee is due at the time thosestudents submit their biennial PACE reporting form, and only designations subject to thePACE Recertification Program are affected. Additional fees are not assessed for multipledesignations. Individuals who go on to earn multiple designations from our institution will payonly a single $250 fee every two years regardless of the number of <strong>American</strong> <strong>College</strong>designations they pursue.Designees whose PACE-required credentials from <strong>The</strong> <strong>American</strong> <strong>College</strong> were awarded byFebruary 1, 2007, are not affected by this fee. For individuals in this category who wish tovoluntarily support the important work of <strong>The</strong> <strong>College</strong> as a not-for-profit institution, weencourage you to participate and help us build stronger recognition for your designations anddegrees.Students who are PACE non-compliant must pay a PACE Reinstatement fee of $100 to maketheir designations active again. <strong>The</strong> fee must be submitted with proof of CE credits before astudent’s designation will be reinstated.Visit <strong>The</strong><strong>American</strong><strong>College</strong>.edu/PACE for additional information about this initiative. Pleasefeel free to contact us if you have any questions about this program. We thank you for yourcontinued support of <strong>The</strong> <strong>American</strong> <strong>College</strong>.LUTCF, FSSIf you have completed all course requirements (including the ethics course requirement), toearn the LUTCF and/or FSS designation, you must complete the following steps:• Be a member of a local association of NAIFA. Contact your local association or NAIFA at877-TO-NAIFA for a membership application. Visit naifa.org and select “Join.”• Complete and submit a designation application to <strong>The</strong> <strong>American</strong> <strong>College</strong> and provideevidence of the above membership. (A copy of your membership card is sufficient.)To ensure recognition at commencement, you must complete your courses by August 31, andyour application must be received at <strong>The</strong> <strong>American</strong> <strong>College</strong> no later than September 15.Please note: All courses formerly listed as LUTC courses have been renamed as FA courses(i.e., LUTC 201 is now listed as FA 201). All completed LUTC series courses will continue tocount for credit toward the designation, subject to the five-year completion rule. Studentscannot receive duplicate credits towards the LUTCF or FSS designations by passing the samecourse or its replacement.ChHC TM , ChFC, ® CLF, ® CLU, ® REBC, ® RHU ®To receive these designations, you must successfully complete all courses in your selectedprogram, meet experience requirements and ethics standards and agree to comply with <strong>The</strong><strong>American</strong> <strong>College</strong> Code of Ethics.Experience. Three years of full-time business experience is required for all Huebner Schooldesignations (except CASL ® ). <strong>The</strong> three-year period must be within the five years precedingthe date of the award. An undergraduate or graduate degree from an accredited educationalinstitution qualifies as one year of business experience. Part-time qualifying business experienceis credited toward the three-year requirement on an hourly basis, with 2,000 hoursrepresenting the equivalent of one year of full-time experience. <strong>The</strong> following activities meetthe required business experience qualifications included in the ChHC TM /ChFC ® /CLF ® /CLU ® /REBC ® /RHU ® certification process.Insurance and Health Care• Field underwriting and management, including sales and service activities, supervisionand management of persons involved in sales or services or staff support of persons inthese activities.• Company management and operations in positions involving substantial responsibility.70
Financial Services and Employee Benefits• Client service and related management, including direct contact with clients, supervisionand management of persons involved directly in the process of providing financialservices or employee benefits or staff support of persons in these activities.• Financial institution management and operations in positions involving substantialresponsibility.Other• University or college teaching of subjects related to the Huebner School curriculum on afull-time basis at an accredited institution of higher education.• Government regulatory service in a responsible administrative, supervisory or operationalcapacity.• Activities directly or indirectly related to the protection, accumulation, conservation ordistribution of the economic value of human life. <strong>The</strong>se include the work of actuaries,attorneys, CPAs, investment advisors, real estate investment advisors, stockbrokers, trustofficers or persons in other similar occupations.• Students may not submit their designation application until their balance is paid in full.Code of EthicsTo underscore the importance of ethics standards for Huebner School designations, the Boardof Trustees adopted a Code of Ethics in 1984. Embodied in the Code are the ProfessionalPledge and eight Canons.<strong>The</strong> CanonsI. Conduct yourself at all times with honor and dignity.II. Avoid practices that would bring dishonor upon your profession or <strong>The</strong><strong>American</strong> <strong>College</strong>.III. Publicize your achievements in ways that enhance the integrity of yourprofession.IV. Continue your studies throughout your working life so as to maintain a highlevel of professional competence.V. Do your utmost to attain a distinguished record of professional service.VI. Support the established institutions and organizations concerned with theintegrity of your profession.VII. Participate in building your profession by encouraging and providingappropriate assistance to qualified persons pursuing professional studies.VIII. Comply with all laws and regulations, particularly as they relate to professionaland business activities.<strong>The</strong> Professional Pledge“In all my professional relationships, I pledge myself to the following rule of ethicalconduct: I shall, in light of all conditions surrounding those I serve, which I shall make everyconscientious effort to ascertain and understand, render that service which, in the samecircumstances, I would apply to myself.”<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 71
Program CompletionPACE ComplianceAll ChFCs ® and CLUs ® who were admitted after June 30, 1989, and all REBCs ® , RHUs ® andCLFs ® are subject to the Professional Achievement in Continuing Education (PACE)Recertification Program. If you are a ChHC ȚM ChFC ® , CLU ® , REBC ® , RHU ® , or CLF ® , you arerequired to earn 30 hours of CE credit every two years.If you have earned all 30 CE credits through <strong>The</strong> <strong>American</strong> <strong>College</strong>, you do not have to signand file a statement of compliance. <strong>The</strong> <strong>College</strong> will record CE credits you earned at <strong>The</strong><strong>College</strong> and notify you when you have met the requirements. You are responsible forkeeping <strong>The</strong> <strong>College</strong> updated with your current address.To obtain additional information about PACE and to find out which subject areas and types ofeducational activities are acceptable for CE purposes, contact a Professional Educationcounselor. New designees will automatically receive information about PACE.Learn more about PACE at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/PACECASL ®Experience. <strong>The</strong> experience requirement for the CASL ® designation may be satisfied byEITHER of the following:• Achieving the experience requirements for <strong>The</strong> <strong>College</strong>’s ChFC ® , CLU ® , REBC ® , RHU ® andCLF ® designations, as described on the previous page.OR• Advising clients on financial and/or practical matters relating to their retirement years oron issues dealing with aging for at least three of the five years preceding the awarding ofthe designation. <strong>The</strong> same rules for part-time qualifying experience count for this type ofwork experience as count toward the ChFC ® and CLU ® designations.Ethics. Each designee will be required to adhere to <strong>The</strong> <strong>College</strong>’s Code of Ethics. Embodiedin the Code are the Professional Pledge and the eight Canons (page 71).Continuing education. Each designee must complete 15 hours of continuing educationevery two years, with the additional condition that at least 10 of these hours should be incoursework directly related to the coursework required to obtain this designation. <strong>The</strong>two-year reporting period will run concurrently with the reporting period in effect formeeting ChFC ® and CLU ® continuing education requirements and will commence with thefirst reporting period following the awarding of the designation. <strong>The</strong> CE requirements for theCASL ® designation are administered by the PACE Recertification Program.If you have earned all 15 CE credits through <strong>The</strong> <strong>American</strong> <strong>College</strong>, you do not have to signand file a statement of compliance. <strong>The</strong> <strong>College</strong> will record CE credits you earned at <strong>The</strong><strong>College</strong> and notify you when you have met the requirements. <strong>The</strong> use of CE credits to meetvarious state CE requirements for insurance and other professional recognitions does notpreclude designees from using those same credits for this designation. Coursework to earnother designations in the senior living field also may count toward CE requirements.CAP ®Experience. To apply for the CAP ® designation, you must certify in writing that, for at leastthree of the five years immediately preceding this application, you have been:• Actively involved in advising individuals or charitable organizations in any of the followingareas: wealth and estate planning; financial planning; charitable planning; charitablegiving; planned giving; nonprofit or foundation management or services; investmentmanagement of charitable trusts, funds, or endowments; or accounting for nonprofitorganizations as part of your regular practice or employment.OR• Employed in the nonprofit sector in a capacity related to nonprofit management,development, planned giving or fundraising.Ethics. In applying for the CAP ® designation, you also must subscribe to ethical standards,embodied by <strong>The</strong> <strong>American</strong> <strong>College</strong> Code of Ethics (which includes the Professional Pledgeand eight Canons, page 71) and additional ethical codes. In addition to complying with thesestandards, you also must certify in writing that you:• Meet professional codes, canons of ethics, or standards of practice of licenses orprofessional designations already earned.AND• Have adopted at least one of the following codes of ethics or standards of practiceapplicable to fundraisers and charitable planners:• <strong>The</strong> Code of Ethical Principles and Standards of Professional Practice of the Associationof Fundraising Professionals (AFP).• <strong>The</strong> Model Standards of Practice for the Charitable Gift Planner adopted by theNational Committee on Planned Giving (NCPG) and the <strong>American</strong> Council on GiftAnnuities (ACGA).You also must subscribe in writing to the provisions of the Donor Bill of Rights originallypromulgated by the <strong>American</strong> Association of Fundraising Counsel (AAFRC), the Associationfor <strong>Healthcare</strong> Philanthropy (AHP), the Council for Advancement and Support of Education(CASE) and the AFP. Copies of these standards are provided to applicants as part of theapplication process.72
Continuing education and field service. As a CAP ® designee, you are required to meet CErequirements every two years, beginning with the period after you earned the designation. <strong>The</strong>PACE Recertification Program administers the CAP ® CE requirements.You will be required to file a signed statement of compliance with this requirement and shouldbe ready to verify credits independently upon request. (If you earned all 15 CE credits through<strong>The</strong> <strong>American</strong> <strong>College</strong>, you do not have to sign and file a statement of compliance. <strong>The</strong> <strong>College</strong>will record CE credits you earned at <strong>The</strong> <strong>College</strong> and notify you when you have met therequirements.)Using Your Designation<strong>The</strong> <strong>American</strong> <strong>College</strong> awards designations and degrees monthly. You are eligible to start usingyour designation or degree, upon approval, during the second month that follows the date youpassed your final examination. Your designation application must be submitted by the 15th ofthe previous month. For example, if you passed your last examination in January and submityour application by February 15, you may begin to use your designation on March 1.In addition to the academic requirements, you must satisfy the qualifying business experienceand ethical requirements, which the Registrar’s Office verifies from the information containedin a completed designation application. Applications should be returned as soon as possibleto avoid potential delays in award. Diplomas are distributed to students approximately six toeight weeks after the date on which they are eligible to use their designations.Highest Standard of Knowledge and Trust<strong>The</strong> <strong>Chartered</strong> Financial <strong>Consultant</strong> ® (ChFC ® ) and <strong>Chartered</strong> Life Underwriter ® (CLU ® )designations represent the highest standards of knowledge and trust. Each financialprofessional that holds one of these coveted designations represents the greatest achievementin their chosen profession.<strong>The</strong> mark is a sign to clients that they are in capable hands that are committed and dedicatedto providing the highest level of service. Each ChFC ® and CLU ® has taken a pledge thatreaffirms their commitment to their clients and their profession:“In all my professional relationships, I pledge myself to the following rule ofethical conduct: I shall, in light of all conditions surrounding those I serve,which I shall make every conscientious effort to ascertain and understand,render that service which, in the same circumstances, I would apply tomyself.”For those who earn their ChFC ® and CLU ® , materials are available at<strong>The</strong><strong>American</strong><strong>College</strong>.edu/Promote for you to share with your clients that discuss thedesignations and why they represent the highest standard of knowledge and trust.Complete your exams between:January 1 – 31February 1 – 28March 1 – 31April 1 – 30May 1 – 31June 1 – 30July 1 – 31August 1 – 31September 1 – 30October 1 – 31November 1 – 30December 1 – 31Last date applications accepted:February 15March 15April 15May 15June 15July 15August 15September 15October 15November 15December 15January 15Begin to use your designation:March 1April 1May 1June 1July 1August 1September 1October 1November 1December 1January 1February 1Commencement<strong>The</strong> <strong>American</strong> <strong>College</strong>’s next commencement will be held at Caesars Palace in Las Vegas,Nevada, in 2011. <strong>The</strong> CAP ® , CASL ® , ChFC ® , CLF ® , CLU ® , FSS, LUTCF, REBC ® and RHU ®designations and MSFS and MSM degrees will be awarded at that ceremony. Many companiespay for travel costs and other expenses for commencement, so be sure to check with youremployer. Designations and degrees must be completed by March 31, 2011, in order to attendKnowledge Summit. For more information visit <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Summit2011Industry Overview & Regulatory Reform, Laurence Barton, CAP, ® PhD, President & CEO of <strong>The</strong> <strong>American</strong> <strong>College</strong>,speaks with attendees of the 2010 Knowledge Summit in NYC about this important topic.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 73
Program CompletionOBTAINING TRANSCRIPTSAdvising TranscriptsAdvising transcripts give you a complete picture of your student record, including any passedor failed courses. Current course registrations also are listed on an advising transcript.Advising transcripts can be downloaded and used as a guide towards completing yourprogram of study since all remaining course requirements are listed.*Students are able to view their advising transcripts online through their Student Account. Tocreate or access your Student Account, click the “Student Account and Registration” link at<strong>The</strong><strong>American</strong><strong>College</strong>.eduOnce you are logged into your Student Account, follow these steps:1. Click on “Student Center”2. Click on “Academic History”3. Click on “Degree/Designation Progress”4. Click on the dropdown arrow; click on “Advising”Official TranscriptsOfficial transcripts can be sent to another college or institution for transfer of credit and, insome cases, sent to students for attachment to an application. Official transcripts have <strong>The</strong><strong>American</strong> <strong>College</strong> seal, are signed by the Registrar, printed on special paper and include atranscript brochure. This transcript is sent in a sealed envelope and then inserted into anotherenvelope for mailing.If you need an official transcript, please contact a Professional Education counselor at888-263-7265 to make a request. When requesting official transcripts, please allow twoweeks for processing. A $15 fee is charged for the processing of official transcripts.Unofficial TranscriptsUnofficial transcripts, which only show passed courses, also are available at no charge bycontacting one of our Professional Education counselors. Please note: Unofficial transcriptswill not be accepted by other colleges or universities for transfer of credit. Unofficial transcriptscan be accessed online at the steps indicated above.CFP ® Certification Curriculum and Graduate Financial Planning TrackOnce you complete either of these programs, you must apply to Certified Financial PlannerBoard of Standards Inc. (CFP Board) to sit for the CFP ® Certification Examination. <strong>The</strong> CFP ®Certification Examination is a comprehensive, challenging test of financial planning knowledge.Structured review programs are one of the most effective ways of boosting yourchance of success on this exam. Please contact one of our Professional Education counselorsfor more information on additional review programs and study tools available from KeirEducational Resources.<strong>The</strong> <strong>American</strong> <strong>College</strong> Press<strong>The</strong> <strong>American</strong> <strong>College</strong> Press, foremost publisher of distance learning materials for thefinancial services field, publishes a wide range of textbooks and other learning materials ongeneral financial planning, life insurance, estate planning, income taxation, retirementplanning, pension administration, health care, employee benefits, executive compensationand business planning. <strong>The</strong>se textbooks are used by <strong>The</strong> <strong>American</strong> <strong>College</strong>’s well-knownprofessional designation and certification programs, as well as by financial planning,insurance and related financial services programs at colleges and universities across thecountry. Visit <strong>The</strong> <strong>American</strong> <strong>College</strong> Press at <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Textbooks<strong>The</strong> <strong>American</strong> <strong>College</strong> BookstoreIf you are an <strong>American</strong> <strong>College</strong> student taking GS, FA and/or HS series courses, your textbooksand other standard study materials are included in the cost of tuition. You’ll findsupplemental study materials for our most popular courses, available at an additional cost,at <strong>The</strong> <strong>American</strong> <strong>College</strong> bookstore located on our student portal, “MyLink.”<strong>The</strong> <strong>American</strong> <strong>College</strong> does not certify individuals to use the CFP ® , CERTIFIED FINANCIAL PLANNER, and federallyregistered CFP (with flame logo) ® marks. CFP ® Certification is granted only by CFP Board to individuals who, in additionto completing educational requirements such as this CFP Board-registered program, have met its ethics, experience, andexamination requirements.For more on CFP ® Certification, including upcoming exam dates and other requirements, see the Guide to CFP ®Certification, available from CFP Board. Visit their website, cfp.net.* To earn the LUTCF and/or FSS designations, you must be a NAIFA member in the year you apply for the designation.74
Custom Training Around the GlobeAs the insurance and financial services marketplace expands globally, the need for qualityskills training is also rapidly growing. <strong>The</strong> <strong>American</strong> <strong>College</strong> is responding to that need bybringing some of our leading educational programs to international markets. Primarilythrough sponsorship agreements with industry organizations in other countries, we havebecome a worldwide leader of agent training — both for foreign insurance companies andoverseas representatives of U.S. firms. Our LUTCF, FSS, ChFC ® and CLU ® courses are currentlyoffered in many countries outside the United States.A Global Presence for <strong>The</strong> <strong>American</strong> <strong>College</strong>International partners arrange classes, as well as recruit and train local producers to moderatethe courses. Our global partners also coordinate the adaptation and translation (wherenecessary) of the course materials to ensure that they are appropriate for the local market.<strong>The</strong> <strong>American</strong> <strong>College</strong> global partnership approach is the most effective way of guaranteeingthat students taking LUTCF, FSS, ChFC ® and CLU ® courses around the world receive thehighest quality of training and education.For more information, contact International OperationsTel: 610-526-1444Fax: 610-526-1545E-mail: International@<strong>The</strong><strong>American</strong><strong>College</strong>.eduStatement of Academic Integrity for Participation in<strong>The</strong> <strong>American</strong> <strong>College</strong> ProgramsAcademic integrity is essential to any educational institution because themain purpose of such institutions is the discovery and transmission ofknowledge and the pursuit of truth. Integrity requires that individualsrepresent themselves as they are, without pretense or exaggeration. In thecase of presenting one’s work to be evaluated, it is important that thework of others not be presented as one’s own.In academic exercises, as in business enterprises, honesty and straightforwardnessare essential. To co-opt the work of another and represent it asone’s own is plagiarism. Plagiarism is a violation of the academic integritypolicy of this institution and a contravention of professional and personalethics. For those in the business of evaluating the worth of someone’sacademic work, plagiarism deliberately creates a misrepresentation of thenature and quality of a student’s work.Just as a true professional must at times put aside personal gain for the sakeof doing what is right, a student must reject acting dishonestly or withoutintegrity, and present only that work as his or her own which indeed is his orher work. Anything less is a form of cheating and misrepresentation and isintolerable in an academic community. Acts of cheating or misrepresentationconstitute serious violations of academic ethics and can result in thestudent’s failing a course and/or possible dismissal from the program.If a student needs clarification regarding this policy, he or she should seekcounsel from his or her course professor or the Academic Dean.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 75
Transfer of CreditStudents must be admitted to <strong>The</strong> <strong>American</strong> <strong>College</strong> before transfer ofcredit can be posted. Transfer-of-credit applications are available in the“Current Students” section of our website.LUTCF/FSS ProgramsOnly one transfer of credit is permitted into the LUTCF or FSS designation. <strong>The</strong>re are fouroptions to receive transfer of credit:1. By successfully completing any Huebner School course, with the exception of a CLF ®course, you may be allowed credit for any one elective toward the LUTCF or the FSSdesignation program. This credit may be applied only once; that is, it cannot be used forboth the LUTCF and FSS designation programs. Further, upon successful completion ofthe LUTCF or the FSS program, you may obtain credit for one elective course in eitherthe CLU ® program or the ChFC ® program, but not in both programs. For moreinformation, contact a Professional Education counselor.2. By completing the CLF ® or CPCU designation. For more information, includingapplication procedures, contact a Professional Education counselor.3. LUTCF only: If you currently hold the FSS designation, you may receive the LUTCFdesignation upon completion of three elective courses from the other course offerings,provided that you have not used these elective courses to qualify for your FSSdesignation.4. FSS only: If you currently hold the LUTCF designation, you may receive the FSS designationupon completion of FA 262, FA 263, FA 290 (or a prior LUTC Ethics course) andone additional moderated course. <strong>The</strong> elective course cannot be a course you took toqualify for the LUTCF designation.fic/ficf DESIGNATIONTransfer of credit for certain courses will be granted to individuals who hold the FIC or FICFdesignation, provided the specific course(s) identified for transfer were based on courserevisions produced in April 2007 or later.For the FIC Basic Introduction to Life Insurance, course credit will be granted for <strong>The</strong><strong>American</strong> <strong>College</strong>’s FA 202 (Techniques for Meeting Client Needs), provided that the studenthas completed the FIC designation. [Holders of the FIC/FICF designations who enrolled withKaplan beginning April 2007 or later may receive up to 60 percent or 6 credits of totalcredits. Confirmation letter from Kaplan is required.] Credit for <strong>The</strong> <strong>American</strong> <strong>College</strong>’s FA271 (Foundations of Estate Planning) and/or FA 251 (Essentials of Business Insurance)courses will be granted if the student has passed the FICF Graduate I Estate Planning and/orFICF Graduate II Business Insurance Concepts courses, respectively.Huebner School ProgramsCFP ® Certification Curriculum and ChHC Ț M CASL ® , ChFC ® , CLF ® , CLU ® , REBC ®and RHU ® Programs<strong>The</strong> <strong>American</strong> <strong>College</strong>’s credit transfer policy for Huebner School courses permits a studentwho completes comparable courses at an accredited college or university, or in <strong>The</strong><strong>American</strong> <strong>College</strong>’s Irwin Graduate School, to apply for transfer of credit into a HuebnerSchool designation program or its CFP ® Certification Curriculum, provided the courseswere completed within seven years prior to the application date and the studentearned a grade of C or better in each course (or a B or better if a graduate course). Inaddition, students who recently earned any one or more of the pre-approved professionaldesignations on the following page are eligible to apply for transfer of credit.Transfer of credit for both internal and external courses is limited to a specifiednumber of courses, depending on the Huebner School program into which they are beingtransferred. Up to three courses may be transferred into the CFP ® Certification Curriculum orinto the ChFC ® or CLU ® program. Two courses may be transferred into the CASL ® andREBC ® programs. Only one course may be transferred into the RHU ® program. Regardless ofthe number of Huebner School programs into which courses can be transferred, the totalmaximum number of courses that can be transferred is three, except for CFP ® certificants,who may transfer up to six courses. Internally or external, there is no pre-approval or reviewof transcripts prior to the submittal with payment.Transfer of credit application review fees are $65 per course and are nonrefundable.Transfer of credit fees do not apply to courses transferred from <strong>The</strong> <strong>American</strong> <strong>College</strong>’sIrwin Graduate School. For more information and an application, contact a ProfessionalEducation counselor.If a student completedHe/she may obtain transfer of credit for:GS 811 Security Analysis and Portfolio Management HS 328 InvestmentsGS 815 Advanced Estate Planning IHS 330 Fundamentals of Estate PlanningGS 816 Advanced Estate Planning IIHS 334 Estate Planning ApplicationsGS 817 Personal Tax PlanningHS 321 Income TaxationGS 836 Business Succession Planning IHS 331 Planning for Business Owners and ProfessionalsGS 842 Executive CompensationHS 342 Executive CompensationHuebner School (HS) classes do not transfer to the Graduate School.If a student passed HS 352 in the ChFC ® and CASL ® program within the last five years, he orshe will receive credit for HS 352 in the MSFS program.76
Transfer of Credit — HS ProgramsHolders of this designationAccredited Tax Advisor HS 330 HS 331AIRC HS 323 HS 324May request transfer of credit forALHC HS 323* HS 324 * If student took both FLMI 1 and FLMI 2APA HS 326 HS 341CEBS HS 325 HS 326 HS 328CFA HS 328CFP ® Certification* HS 300 HS 311 HS 321 HS 326 HS 328 HS 330CLTC*CPA HS 321CPC HS 326FALU HS 323 HS 324Credit toward one elective in the <strong>Chartered</strong> <strong>Healthcare</strong> <strong>Consultant</strong> TM (ChHC TM ) program;contact ProfessionalEducation@<strong>The</strong><strong>American</strong><strong>College</strong>.edu for details.FLMI HS 322* HS 323 HS 325** HS 326*** HS 324 If student took: * FLMI 10FS or FLMI 35IFLMI 10FS, 10GI, and 10PP are no longer offered, but areavailable for transfer of credit.** FLMI 10GI *** FLMI 10PPFSA HS 323 HS 325* HS 326* HS 328* * If appropriate options were taken in the FSA program.HIA HS 313Contact the Office of Professional Education.LUTCF/FSS Credit toward one elective in either the <strong>Chartered</strong> Life Underwriter ® (CLU ® ) program or <strong>Chartered</strong> Financial <strong>Consultant</strong> ®(ChFC ® ) program; contact ProfessionalEducation@<strong>The</strong><strong>American</strong><strong>College</strong>.edu for details.MHP HS 344* * If A, B, and C managed care courses were takenQPA HS 326* Or if the student has passed the CFP ® Certification Examination and has not yet met other CFP ® Certification requirements. Certified Financial Planner Board of Standards Inc. owns the marks CFP ® , CERTIFIED FINANCIALPLANNER, and CFP (with flame logo) ® , which it awards to individuals who successfully complete initial and ongoing certification requirements.Irwin Graduate School — MSFS/MSM ProgramsA maximum of six credits toward the MSFS degree may be transferred from other accreditedcolleges or universities. <strong>The</strong> credits must be at the graduate level in courses similar in contentto those of <strong>The</strong> <strong>American</strong> <strong>College</strong>; they must have been earned within five years of the dateof admission to the MSFS degree program; and the student must have earned a grade of Bor better in each course. Transferred credits must not have been used to earn a degree fromanother college or university.A request for credit transfer must be submitted in writing to the Dean of the GraduateSchool and should include a description of the course for which transfer of credit is beingsought and the name of the college or university where the credits were earned. <strong>The</strong> studentalso must have that college or university forward an official transcript to the Registrar’s Officeat <strong>The</strong> <strong>American</strong> <strong>College</strong>. <strong>The</strong> cost for transfer of credit is $65 per course. Transferred creditsapply to distance learning courses only.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 77
Tuition and FeesAdmissionsAdmission Fee (nonrefundable) $135One-time fee required of all students registering for their first course.MSFS Program Admission Fee $350(Refundable if admission to the MSFS program is denied.)MSM Program Admission Fee (nonrefundable) $350Tuition and Related FeesFull tuition payment is required at the time of registration. Certain discounts may apply. SeeTuition Discounts.FA Course Tuition (except FA 290) $430Plus a surcharge paid to and collected by the local NAIFA organization (not to exceed $50 percourse) for students who are not NAIFA members; for NAIFA-sponsored classes only.FA 290 Ethics $150HS Course Tuition $599(For all HS courses except CLF ® courses)CLF ® Courses $700For self-study courses (HS 373/382/383/384/387)For special-format courses (HS 371/372/381/385/386) tuition varies.CLF ® Capstone Tuition $1,875CLF ® Capstone Room/BoardApplied separately; contact <strong>The</strong> <strong>College</strong> for details.GS Course Tuition (self-study courses only) $1,150Includes textbook fees.GS Required Residency Tuition $2,050GS Residency Room/BoardApplied separately; contact <strong>The</strong> <strong>College</strong> for details.MSM Program Tuition $29,000Includes tuition for all courses, textbooks and study materials. Students are responsible fortransportation, lodging and a laptop computer.Official Transcript $15Contact a Professional Education counselor to obtain this document.Replacement Diploma $75Contact a Professional Education counselor to obtain a replacement.Replacement Graduate School or CFP ® Certificates $25Contact a Professional Education counselor to obtain a replacement.Shipping/Handling of Study Materials(Nonrefundable) within contiguous United States per shipment $25.Standard shipping/handling for Alaska, Hawaii and Puerto Rico is $37. All other internationalshipping/handling is $70.You can expect your study materials to arrive 10 business days after we process your paidregistration.Transfer of Credit per Course $65Transfer of credit fees (nonrefundable).TUITION DISCOUNTS<strong>The</strong> <strong>College</strong> currently provides tuition discounts for the following:• Those individuals actively serving in the U.S. military.• Previous students of <strong>The</strong> <strong>College</strong> who have been honorably discharged individuals fromthe U.S. military and who are taking a course(s) within two years of discharge.• Students age 65 or older.• Full-time employees of state insurance departments.<strong>The</strong> amount of the discount is 50 percent for all HS and FA tuition and 25 percent for all GStuition. <strong>The</strong> discount is provided on tuition only. Admission fees and other items will not bediscounted.You must ask for the discount when you register. If you are requesting a discount, pleaseregister by phone. You will be required to provide appropriate documentation to qualify.<strong>The</strong> <strong>College</strong> reserves the right to change its discount policy at any time. Questions regardingany discounts should be directed to 888-263-7265.LUTCF/FSS CLASS RESCHEDULE POLICYCall a Professional Education counselor at 888-263-7265 to reschedule your class. Studentshave one year from the date of their original registration to pay $160 in order to rescheduletheir enrollment class to a new start date. Full fee registration is required after this date. <strong>The</strong><strong>College</strong> will not replace outdated study materials for rescheduled classes. If needed, newmaterials may be purchased. Students rescheduling into a different course must pay fornew course materials and applicable shipping fees. <strong>The</strong> $160 reschedule fee is nonrefundable.78
FINAL EXAM RESCHEDULE POLICYCall a Professional Education counselor at 888-263-7265 to reschedule your final exam. <strong>The</strong><strong>College</strong> will not replace outdated study materials for rescheduled classes. If needed, newmaterials may be purchased.HS/GS Courses: Students have up to one year from the term or calendar quarter of theiroriginal registration to pay $160 to reschedule and take their final exam. Full fee registrationis required after this date.LUTCF/FSS Courses: For any student who is absent from the regular final exam session ortesting period, students have one year from the date of their missed examination or from theend date of their final exam testing period to pay $160 ($65 for FA 290 Ethics) to rescheduleand take their final exam. Full fee registration is required after this date, and students mustretake and successfully complete the classwork component of their course to be eligible forthe final exam. Please have your proctor’s name, street mailing address, e-mail address andphone number when you call.FINAL EXAM RETAKE POLICYCall a Professional Education counselor at 888-263-7265 to order your final exam retake.<strong>The</strong> <strong>College</strong> will not replace outdated study materials for exam retakes. If needed, newmaterials may be purchased.HS/GS Courses: Students have up to one year from the term or calendar quarter of theiroriginal registration to pay $160 to reschedule and take their final exam. Full fee registrationis required after this time or date.IMPORTANT: <strong>College</strong> rules require that a student who fails the same Huebner School coursethree (3) times must wait a minimum of six (6) months from the time of the third failurebefore taking the exam again. <strong>The</strong>re are no exceptions to this rule.LUTCF/FSS Courses: If you have failed a final exam but met all other course requirements,students have one year from the date of the failed examination to pay $160 ($65 for FA 290Ethics) and retake their test. After this date, full course fees apply. Please have your proctor’sname, street mailing address, e-mail address and phone number when you call. Students mayonly retake a failed exam once. After a student fails an exam twice, full fee registration isrequired, and students must retake and successfully complete the classwork component oftheir course to be eligible for the final exam.$160 retake fee for HS, GS, LUTCF, FSS courses is nonrefundable.NO-SHOW/LATE Arrival/LATE CANCELLATION EXAM CENTER FEEA fee of $100 will be charged:• If you do not appear for your exam; OR• If you arrive more than 15 minutes late to your exam; OR• If you do not cancel your exam appointment by 7 p.m. Central Time on the business dayprior to your scheduled exam. (See page 69 for more information on “Canceling andRescheduling Your Exam.”)No waivers are permitted.REFUND POLICYAll refund requests should be e-mailed to ProfessionalEducation@<strong>The</strong><strong>American</strong><strong>College</strong>.edu<strong>The</strong> related refund policies are as follows:Admission and Shipping Fees for all programs are NOT REFUNDABLE (with the exceptionof MSFS if admission is denied).Huebner School, LUTCF/FSS and Graduate School Textbooks do not need to bereturned, and NO REFUND will be given for textbooks.HS/GS Courses: <strong>The</strong> <strong>College</strong> will refund course tuition less a $160 cancellation fee if awritten request is received by 30 days into the quarter or term for which the student isregistered. After this date, no refund will be issued.LUTCF/FSS Courses: <strong>The</strong> <strong>College</strong> will refund course tuition less a $160 cancellation fee if awritten request is received before the third class. After this date, no refund will be issued.FA 290 Ethics Course: <strong>The</strong> <strong>College</strong> will refund course tuition less a $65 cancellation fee if awritten request is received up to 30 days from the course registration date. After this date, norefund will be issued.CE FILING FEESCE filing fees vary by state. Visit <strong>The</strong><strong>American</strong><strong>College</strong>.edu/CE for the specific fees.FEE CHANGESFees are subject to change at any time without notice. Fees may not be credited to anotherstudent. Most companies have educational reimbursement plans; contact your company fordetails. <strong>The</strong> <strong>College</strong> also is an “eligible institution” under the Higher Education Act of 1965(as amended). This status allows you to take advantage of the Lifetime Learning Credit underthe Internal Revenue Code. Consult your tax advisor to see if you qualify.Certified Financial Planner Board of Standards Inc. owns the certification marks CFP ® , CERTIFIED FINANCIAL PLANNER,and CFP (with flame logo) ® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial andongoing certification requirements.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 79
Admission and Course RegistrationIf you have never registered for a course before, you will need to be admittedto <strong>The</strong> <strong>College</strong> at the same time you sign up for your first course. This processis easy, and for all programs and courses, you can use the forms in thiscatalog or register by phone or online. <strong>The</strong> deadline for receipt of registrationis 15 days before the end of the quarter in which you plan to test.Register by Mail or FaxPlease complete registration forms to:• Apply for admission and register for any course at <strong>The</strong> <strong>American</strong> <strong>College</strong> (pages 83-84).• Apply for admission to the MSM or MSFS programs (pages 85-86).<strong>The</strong> <strong>American</strong> <strong>College</strong>PO Box 1513Bryn Mawr, PA 19010-2196Fax Number: 610-526-1300Register Online (credit card payment only)Go to <strong>The</strong><strong>American</strong><strong>College</strong>.edu and click the “Enroll/Student Login” link in the upperright-handcorner of the homepage.Register by phone (credit card payment only)Call 888-263-7265 Monday-Friday, 8 a.m. to 7 p.m. ET.Register for online classesTo register for live online classes or any of our webinars or webcasts, please contact aProfessional Education counselor at 888-263-7265 Monday-Friday, 8 a.m. to 7 p.m. ET.Register for the MSM or MSFS master’s programComplete the form in the back of the catalog.For MSM, contact MSM Graduate Administration at 610-526-1451 orMSM@<strong>The</strong><strong>American</strong><strong>College</strong>.edu For MSFS, contact MSFS Graduate Administration at610-526-1385 or MSFS@<strong>The</strong><strong>American</strong><strong>College</strong>.eduNondiscrimination and Privacy Policy<strong>The</strong> <strong>American</strong> <strong>College</strong> does not discriminate on the basis of race, religion, sex, handicap, ornational and ethnic origin in its admission policies, educational programs and activities oremployment policies. We respect the right to privacy of our students and are committed tosafeguarding their personal information. For more information, see <strong>The</strong><strong>American</strong><strong>College</strong>.eduSpecial Notice Regarding Continuing Education (CE) ProcessingMany students want to receive CE credit for courses they take at <strong>The</strong> <strong>American</strong> <strong>College</strong>.While knowing the appropriate state CE rules and procedures is the responsibility of theindividual student, <strong>The</strong> <strong>American</strong> <strong>College</strong> works to help with CE requirements when studentsfollow these guidelines:• All students who desire CE credits are required — at the time they enroll in a course — torequest and pay for state CE processing (for states charging a fee) and provide theirstates’ license numbers.• When CE is requested, applicable filing fees must be paid at the time of registration.When a passing grade is achieved, CE credit will be reported, and filing fees paid inaccordance with state regulations.• When CE is declined, no fees will be assessed, completion of the course will not bereported to the state and CE certificates will not be issued to the student.If you are currently enrolled in courses and want CE reported to your resident state but didnot select CE when registering, please contact a Professional Education counselor at888-263-7265. If your state deadline has passed, <strong>The</strong> <strong>American</strong> <strong>College</strong> may be unable toreport your credits due to state regulations.WA RESIDENTS PLEASE BE ADVISED: <strong>The</strong> Washington Department of Insurance requires thatagents must be reported for continuing education credit within 10 days after your exam hasbeen taken and passed. In order to ensure you receive proper credit, please make sure youhave requested continuing education at the time of registration.Many states currently require education providers to collect CE filing fees from students andto submit these fees on their students’ behalf. Please visit <strong>The</strong><strong>American</strong><strong>College</strong>.edu/CE tocalculate your state CE fees where applicable.It is your responsibility as a license-holder to know your state’s CE requirements and procedures.Visit the Department of Insurance website for your state to obtain this information.Effective October 1, 2009, a fee of $20 is charged:• If you would like to order a duplicate certificate because you have misplaced the original.• If you require your continuing education credits to be reported immediately outside ofour normal processing time of 5-7 business days.• If continuing education credit was never requested at the time of registration and younow require immediate CE processing due to licensure renewal.Please visit <strong>The</strong><strong>American</strong><strong>College</strong>.edu/CE or see page 87 to fill out your CE request form.80
Protecting Your Course Credits with the Five-Year Rule<strong>The</strong> <strong>American</strong> <strong>College</strong>’s commitment to the highest standard of knowledge and trustincludes a requirement for timely completion of educational programs, ensuring that theknowledge you receive from <strong>The</strong> <strong>College</strong> is fully current. Once you have completed yourprogram, continuing education requirements continue the emphasis on consistentlyrenewing your knowledge to best serve your clients.It is critically important that you understand the five-year rule so you do not lose any of thecredits you have worked so hard to earn. Because the rule was introduced and communicatedJanuary 1, 2006, all courses passed prior to that date are not impacted by the rule.After that date, courses that are taken at <strong>The</strong> <strong>College</strong> are “contingent credits” good for fiveyears from the date they are passed. <strong>The</strong>y become “permanent credits” once you havecompleted the relevant academic program. Once a credit is permanent, it may be used tomeet requirements in other programs as appropriate without a time limit.<strong>The</strong> five-year rule applies to all designations offered by <strong>The</strong> <strong>American</strong> <strong>College</strong> (including theLUTCF and FSS), all advanced degrees, <strong>The</strong> <strong>College</strong>’s educational component of the CFP ®Certification program, the AEP and certificate programs. <strong>The</strong>se will be referred to as“programs of study” in the following information. Courses not designed to be part of anacademic program, such as CE courses, are excluded. <strong>The</strong> Registrar of <strong>The</strong> <strong>American</strong> <strong>College</strong>makes all final determinations on programs that fall under the five-year rule.Conditions of the Five-Year Rule:1. Courses passed on or after 1/1/2006 will EXPIRE five years after the pass date for thecourse if the relevant program of study has not been completed. If five years have passed,you will be required to retake the course for it to count towards your program of study.2. Any course passed prior to 1/1/2006 is a PERMANENT credit. It will always count towardany applicable program of study that you pursue with <strong>The</strong> <strong>American</strong> <strong>College</strong>.3. Any course passed on or after 1/1/2006 satisfying a requirement for a program of studythat is completed within five years from the date of the first course passed for thatprogram (on or after 1/1/2006) is a PERMANENT credit. It will always count towards anyother applicable program of study.4. Until the relevant program of study is completed, any course passed on or after 1/1/2006 isa CONTINGENT credit pending program completion within five years of the pass date forthe first course taken in that program on or after 1/1/2006. If the program is completedwithin that window, the credit will become PERMANENT.5. Transfer-of-credit rules follow the same procedure based on the date the transfer wasposted. Transfers posted prior to 1/1/2006 are PERMANENT credits, and transfers after1/1/2006 are CONTINGENT credits pending program completion under the rules outlinedabove.If you have questions about the five-year rule, please contact the Professional EducationDepartment at 888-263-7265.Another Economic Depression?, Financial Journalist Stuart Varney of the FOX Business Network offered a candid,direct assessment of our financial system with attendees of the 2010 Knowledge Summit in NYC.<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 81
Get Connected82
2011 Course Registration FormPlease be sure to carefully read our Student Policies in the “Become A Student”section of <strong>The</strong><strong>American</strong><strong>College</strong>.eduInstructions:• Credit card: Please fax completed forms to 610-526-1300 (for CLF ® , fax to 610-526-1359).• Check: Please mail your completed forms with full admission, tuition and shipping chargesto: <strong>The</strong> <strong>American</strong> <strong>College</strong> PO Box 1513, Bryn Mawr, PA 19010-2196• Refund policy: Please see page 79.Privacy Policy <strong>The</strong> <strong>American</strong> <strong>College</strong> respects the right to privacy of its students and is committed to safeguarding the personalinformation of each student. Please visit our website, <strong>The</strong><strong>American</strong><strong>College</strong>.edu to view the full policy.Your Key Data (UPS cannot deliver to a PO box) ■ Preferred for mail ■ Preferred for shippingLegal Name: Social Security #: Date of Birth:Company Affiliation: ■ Male ■ FemaleAgency/Firm:Street:City: State:Zip/Postal Code: Country:Phone: Fax: Primary E-Mail: (required) Alternate E-Mail:Home Address (UPS cannot deliver to a PO box) ■ Preferred for mail ■ Preferred for shippingStreet: City: State:Zip/Postal Code: Country:Phone: Fax: Name of High School: Year of Graduation (or ged):■ I am a new student ■ I am a returning student My student number isAre you a U.S. citizen? ■ Yes ■ No; specify country of origin:Racial/Ethnic background? (Optional) ■ Black, non-Hispanic ■ Hispanic ■ White/non-Hispanic■ <strong>American</strong> Indian/Alaska Native ■ Asian/Pacific IslanderPrimary language? ■ English ■ Other; specify:Do you have an insurance license? ■ Yes ■ No If yes, what is your resident state of licensure and your producers license number?State: License Number: | | | | | | | | | | | | | | | | | | | | | | | |I request CE credit for my course(s) ■ Yes ■ No CE Fee $ (If left unchecked, CE will not be processed)Please include the amount in the Fee Summary on the reverse side of this form.To review the most current CE fees, please visit <strong>The</strong><strong>American</strong><strong>College</strong>.edu/CEAcademic Track (select one)■ ChHC ■ RHU ® Graduate School Certificates■ LUTCF ■ REBC ® ■ Estate Planning & Taxation■ FSS ■ CLF ® Field Track ■ CLF ® Office Track ■ Business Succession Planning■ CFP ® Certification Curriculum ■ CASL ®■ ChFC ® ■ CAP ®■ CLU ® ■ AEP Education
Admission Application for a Graduate/Master’s Program—2011Use this form:Your Key Data: For all new students to complete and for returning students to update.1) To request admission to theMaster of Science inManagement (MSM) orMaster of Science in FinancialServices (MSFS) degreeprogram.2) To update any of your data,when you register for graduatecourses in the future.• Please print.Select Your Program ■ MSM ■ MSFSLegal Name:Social Security #:Date of Birth: ■ Male ■ Female■ I am a new student ■ I am a returning studentMy student number is• If you are applying for MSMor MSFS admission, you mustsign the Admission Declaration(on reverse side).• Admission requires paymentwith application:MSM - $350 (nonrefundable)MSFS - $350 (refundable ifadmission is denied)• All college transcripts must besubmitted to:Graduate Administration<strong>The</strong> <strong>American</strong> <strong>College</strong>270 S. Bryn Mawr AvenueBryn Mawr, PA 19010.Transcripts you submitdirectly are unacceptable.Complete and Return• Credit card: Please faxcompleted forms to610-526-1359.• Check: Please mail yourcompleted forms with fulladmission, tuition andshipping charges to:<strong>The</strong> <strong>American</strong> <strong>College</strong>PO Box 1513Bryn Mawr, PA 19010-2196Company Information (UPS cannot deliver to a PO box)Company Name/Affiliation:Street:City: State:Zip/Postal Code: Country:Phone: Fax:E-Mail: (required) Alternate E-Mail:Home (UPS cannot deliver to a PO box)Street:City: State:Zip/Postal Code: Country:Phone: Fax:E-Mail: (required)Are you a U.S. citizen? ■ Yes ■ No; specify country of origin:Primary language? ■ English ■ Other; specify:■ Preferred for mail ■ Preferred for shipping■ Preferred for mail ■ Preferred for shippingPrivacy Policy <strong>The</strong> <strong>American</strong> <strong>College</strong> respects the right to privacy of its students and iscommitted to safeguarding the personal information of each student. Please visit our website,<strong>The</strong><strong>American</strong><strong>College</strong>.edu to view the full policy.
Graduate/Master’s Program Registration Form (continued)Your Education, Experience and GoalsEducation: List in chronological order all colleges and universities attended. See instructions for transcript requirements.For Office Use Only Name of Institution Attended Location Dates of Attendance Degree Received Major FieldBusiness Experience and Goals: Please attach the following:1. Current resume.2. Letter of corporate approval from supervisor (if applicable).3. List of business, professional and social organizations in which you have been active.4. A description of your career objectives and why you believe a Master’s degree will help you attain them.Complete for MSFS Course RegistrationCourseNumberCourse NameTuition$1,150$1,150Selected Testing Period1/11-3/11 4/11-6/11 7/11-9/11 10/11-12/11Please add a $25 shipping and handling fee (see page 78) Total: $Admission Declaration (must be signed by all new students to process admission)<strong>The</strong> <strong>American</strong> <strong>College</strong> reserves the right to void any examination if, in its sole opinion, there is reason to question its validity. I agree to be bound by <strong>The</strong><strong>American</strong> <strong>College</strong>’s policies, and understand it is my responsibility to make myself aware of revised policies.I understand that I must complete the educational requirements for a degree program within five years from the date of the admission to the program.<strong>The</strong> information on this application is accurate to the best of my knowledge.Student’s Signature: Date:Pricing and Payment Schedule:Payment ScheduleMSM: A nonrefundable application fee of $350 is required with application. Full tuition of $29,000 may be paid inadvance or divided into installments. Please call MSM Graduate Administration at 610-526-1451 for tuition paymentschedule and options. Program fees cover tuition, textbooks and other study materials. You are responsible for transportation,lodging and a laptop computer.MSFS: A fee of $350 is required with application. (<strong>The</strong> application fee is refundable if admission is denied.) Distancecourse tuition is $1,150 per course and includes textbooks.Fee SummaryApplication Fee (select one): ■ MSM - $350 ■ MSFS - $350 plus a $25 shipping and handling fee (see page 78)Method of Payment■ Check (Make Check Payable to <strong>The</strong> <strong>American</strong> <strong>College</strong>)■ Credit Card ■ VISA ■ MC ■ AMEX ■ DISCOVERAccount Number: | | | | | | | | | | | | | | | | | | | | Exp. Date | | | |Signature Total amount enclosed and/or charged: $This signature serves as my agreement to <strong>The</strong> <strong>College</strong>’s refund policies and authorization to charge my credit card.
Duplicate/Rush CE Certification RequestComplete and Return• Fax your request to:<strong>The</strong> <strong>American</strong> <strong>College</strong>Attention: CE Dept.610-526-1402• Check:<strong>The</strong> <strong>American</strong> <strong>College</strong>Attention: CE Dept.270 S. Bryn Mawr Ave.Bryn Mawr, PA 19010When you successfully complete your course with <strong>The</strong> <strong>American</strong> <strong>College</strong>, and have requestedcontinuing education, you will need to send in your Monitored/Proctor Affidavits (for those states thatrequire them). Following that and upon paying roster-reporting fees, you are automatically issued acertificate of completion for the approved number of continuing education credits for your residentstate. <strong>The</strong>re is no additional charge for your first certificate of completion.Many states maintain reciprocal agreements with other states. This means that meeting thecontinuing education requirement in a participating resident state will satisfy the requirements forcontinuing education in participating nonresident states in which you are licensed.As a licensed agent, you are responsible for knowing and meeting the continuing educationrequirements of all states in which you are licensed.If you would like a duplicate certificate because you have misplaced the original, if you require yourcontinuing education credits to be reported immediately outside of our normal processing time offive to seven business days, or if continuing education credit was never requested at the time ofregistration and you now require immediate processing and reporting, please complete the form below.<strong>The</strong> fee for each additional/replacement certificate or rush request is $20. (Note: This does not coverapplicable roster reporting fees. Additional overnight fees will apply.) For any questions, please contactthe Continuing Education Department at 800-821-8356 or visit us at <strong>The</strong><strong>American</strong><strong>College</strong>.eduStudent Name: Student ID#Resident State: License Number:Address: City: State: Zip:Daytime Phone:____________ E-Mail Address:Course Title: ■ Enclosed please find my check for $ ■ Please charge my duplicate certificate request to my■ VISA ■ MC ■ AMEX ■ DISCOVERAccount Number: | | | | | | | | | | | | | | | | | | | | Exp. Date | | | |Total amount enclosed and/or charged: $Name: (print) Signature: This signature serves as my agreement to <strong>The</strong> <strong>College</strong>’s refund policies and authorization to charge my credit card.
What can earning a ChFC ® or CFP ®Certification do for your career?When you earn the top financial planning credentials from the leading provider of financial services education, youare making an investment in your career, increasing your earning potential and putting your client’s best interestsfirst. As you get started, the Financial Planning Certification Center will help you answer all of your questions:• What impact does a designation or certification provide for my career?• What are the benefits of having a ChFC ® or CFP ® Certification?• Which convenient study option is right for me?• What affordable payment plans are available?StudyFinancialPlanning.comOne of theTop 5 FastestGrowing Careersis FinancialPlanning!Financial Planning Certification CenterTMJump start your financial services career today! Contact one of our Professional Education Counselors at 888-292-8775.88Certified Financial Planner Board of Standards Inc. owns the certification marks CFP ® , CERTIFIED FINANCIAL PLANNER and federally registered CFP (with flame design) in the U.S., whichit awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. <strong>The</strong> mark of ChFC ® is the property of <strong>The</strong> <strong>American</strong> <strong>College</strong> and may be used byindividuals who have successfully completed the initial and ongoing certification requirements for this designation.
IndexAAccreditation. ..................... 90Accredited Tax Advisor. .............. 77Admissions ....................... 78Advanced Estate Planning I: GS 815 .... 63Advanced Estate Planning II: GS 816 .... 63Advanced Graduate Programs. ........ 31Advanced Topics in GroupBenefits: HS 340 ................... 59Advanced Topics in ManagedCare: HS 344 ...................... 59AEP ............................. 35African <strong>American</strong> Financial Professionals,Conference for . . . . . . . . . . . . . . . . . . . . . 90AIRC ............................ 77ALHC. ........................... 77Alumni Association ................. 44Alumni Tour. ...................... 45<strong>The</strong> <strong>American</strong> <strong>College</strong> Bookstore. ...... 74<strong>The</strong> <strong>American</strong> <strong>College</strong> Press. .......... 74APA ............................. 77Application for a Graduate/Master’sProgram ......................... 85BBachelor’s Degree .................. 36Board of Directors .................. 53Board of Trustees. .................. 52Building & Managing FinancialAdvisory Practice : GS 840 ............ 64Business Succession Planning I: GS 836 .. 64Business Succession Planning II: GS 838. . 64CCampus Security Report ............. 67<strong>The</strong> Canons ....................... 71CAP ® ............................ 28CASL ® ........................... 22CEBS ............................ 77CE Ethics ......................... 61Center for Ethics in Financial Services. ... 46CFA ............................. 77CFP ® ............................ 18CFP ® Certification .................. 77Charitable Strategies: GS 849 ......... 65ChFC ® ........................... 16ChHC TM .......................... 10Classic and Contemporary LeadershipStudies: GS 930. ................... 66Clery Act Disclosure. ................ 67CLF ® ............................ 26Commencement ................... 73Communications and Leadership: GS 900. .. 65Communications and Research: GS 804. .. 62Compensation and PersonnelManagement: HS 343 ............... 59Continuing Education ............... 73Corporate Consulting Center ......... 43Course Descriptions. .............. 54-66Course Registration Form ............ 83CPA ............................. 77CPC. ............................ 77CPCU ........................... 76Creative Problem-Solving and theStrategic Planning Process: HS 384 ..... 61DDecision Making LeadershipSkills: GS 970. ..................... 66Using Your Designation .............. 73Duplicate/Rush CE Certification Request. .. 87Dynamic OrganizationalLeadership: GS 940 ................. 66EEssentials of Annuities: FA 256. ........ 55Essentials of Business Insurance: FA 251 ... 55Essentials of Disability IncomeInsurance: FA 211 .................. 54Essentials of <strong>Healthcare</strong>Reform: HS 345. . . . . . . . . . . . . . . . . . . . . 59Essentials of Life InsuranceProducts: FA 257 ................... 55Essentials of Long-Term CareInsurance: FA 255 .................. 55Essentials of ManagementDevelopment: HS 371 ............... 60Essentials of Multiline InsuranceProducts: FA 222 ................... 54Estate Planning Applications: HS 334. ... 59Ethics and Human Values: GS 831 ...... 64Ethics for the CFP ® Professional: CE 126 ... 61Ethics for the Financial ServicesProfessional: FA 290 ................ 56Ethics in Leadership: GS 980 .......... 66Canceling and Rescheduling Your Exam ... 69Examinations...................... 68Executive Compensation: GS 842 ...... 64Executive Compensation: HS 342 ...... 59Financial Decisions for Retirement: HS 352. .. 60Financial Institutions: GS 810. ......... 62Financial Planning Applications: HS 332. . 59Financial Planning Certification Center TM . 88Financial Planning: Process andEnvironment: HS 300. ............... 57Financial Statements and BusinessValuation Analysis: GS 803 ........... 62<strong>The</strong> Financial System in theEconomy: HS 322 .................. 57Five-Year Rule ..................... 81FLMI ............................ 77Foundations of Estate Planning: FA 271. . 56Foundations of Financial Planning:An Overview: FA 262. ............... 55Foundations of Financial Planning:<strong>The</strong> Process: FA 263. ................ 56Foundations of InvestmentPlanning: FA 264 ................... 56Foundations of RetirementPlanning: FA 261 ................... 55FSA ............................. 77FSS ............................. 14FSS Moderator. .................... 11Fundamentals of Estate Planning: HS 330. . 58Fundamentals of InsurancePlanning: HS 311. .................. 57GGift Planning in a NonprofitContext: GS 859 ................... 65Giving ........................... 41Grades. .......................... 68Graduate Programs ................. 34Group Benefits: HS 325 .............. 58H<strong>Healthcare</strong> <strong>Consultant</strong>: HS 346 . . . . . . . . . 59<strong>Healthcare</strong> Reform Studies Certificate . . . . 11Health and Long-Term CareFinancing for Seniors: HS 351 ......... 60HIA ............................. 77Human Resource Management: HS 389. .. 61IIncome Taxation: HS 321 ............. 57Individual Health Insurance: HS 313. .... 57Individual Life Insurance: HS 323 . . . . . . . 57Integrated Leadership Practices: HS 381 ... 60Interpersonal Relationships in theWorkplace: HS 383 ................. 61Investments: HS 328 ................ 58Issues in the Ethics of FinancialServices: CE 100 ................... 61KKnowledge Summits ................ 80LLaw, Compliance, Benefits and SocialResponsibility: GS 950 ............... 66Leadership DevelopmentExperience: GS 910 ................. 65Leadership in a Changing World: HS 382 .. 60Leading in the OfficeEnvironment: HS 388. ............... 61Leading Practices Seminar: HS 372 ..... 60Leading Strategy Development: GS 960 ... 66Leading the Marketing Organizationof the Future: HS 385 ............... 61Lecture Series ..................... 42Library ........................... 48Life Insurance Law: HS 324 ........... 58LUTCF ........................... 12LUTCF/FSS ........................ 77MManagement by Leadership: GS 990. ... 66Marketing Financial Services toWomen: FA 204 ................... 54Marketing Management of FinancialServices: HS 387 ................... 61MBA ............................ 36MetLife Learning Center ............. 49MHP ............................ 77Moderator. .................... 13, 15MSFS. ........................... 32MSFS Case Study Project: GS 807 ...... 62MSM ............................ 30Mutual Funds: Analysis, Allocation,and Performance Evaluation: GS 819. ... 63NNew York Life Center forRetirement Income ................. 47OOne Person Campaign. .............. 41Online Resources ................... 82PPACE ............................ 70Pace Compliance .................. 72PED (Professional Education Distribution). . 8Personal and Interpersonal LeadershipSkills: GS 920. ..................... 65Personal Tax Planning: GS 817 ......... 63Planning for Business Owners andProfessionals: HS 331. ............... 58Planning for Philanthropic Impact in theContext of Family Wealth: GS 839. ..... 64Planning for Retirement Needs: HS 326 .. 58Practice Management Concepts forAgency Managers: HS 373 ........... 60<strong>The</strong> Professional Pledge .............. 71Program Completion ................ 70QQPA............................. 77Qualified Retirement Plans: GS 814 ..... 63Quick Course Guide ................ 91RREBC ® ........................... 24Recertification ..................... 70Registration Forms. . . . . . . . . . . . . . . . . . . 83RHU ® ............................ 25SScheduling Your Exam ............... 68Scholarship, Veterans. ............... 37Security Analysis and PortfolioManagement: GS 811 ............... 62Statement of Academic Integrity . . . . . . . 75Supporting <strong>The</strong> <strong>American</strong> <strong>College</strong> ...... 40TTechniques for Exploring PersonalMarkets: FA 201 ................... 54Techniques for Meeting ClientNeeds: FA 202 ..................... 54Techniques for Prospecting:Prospect or Perish: FA 200 ............ 54Thomas Edison State <strong>College</strong>. ......... 36Transcripts ........................ 74Transfer of Credit. ................ 76-77Tuition and Fees. ................... 78UUnderstanding the Older Client: HS 350. .. 60VVane B. Lucas Memorial Library ........ 48Veterans Scholarship ................ 37W<strong>The</strong> Wealth Channel ® ............... 50<strong>The</strong> Wealth Channel ® Magazine ....... 51Webster University. ................. 36FFaculty. ........................ 38-39FALU ............................ 77Fees. ............................ 78CLU ® ............................ 20 Field Management Seminar: HS 386 .... 61<strong>The</strong> <strong>American</strong> <strong>College</strong> • 888-263-7265 • <strong>The</strong><strong>American</strong><strong>College</strong>.edu 89
Conference for African <strong>American</strong> Financial ProfessionalsMetLife, the founding and presenting sponsor of the AnnualConference for African <strong>American</strong> Financial Professionals isgrateful for our continued partnership with <strong>The</strong> <strong>American</strong><strong>College</strong>, one of the leading non-profit educators ofinsurance and financial services professionals. This partnershipnot only demonstrates MetLife’s and <strong>The</strong> <strong>American</strong><strong>College</strong>’s long-standing commitments to diverse markets,but also represents the unwavering dedication to theprofessional development of those in our industry.Each year, the focus of this event shifts as the financialindustry landscape changes. This past year, our themewas Empower Yourself: Commit to Education, Connectto Your Future. With the changes our consumers arefacing, it’s no secret that an abundance of opportunitiesexist for those who are knowledgeable and prepared.We encourage you to capitalize on the resources andnetworking opportunities offered during this educationalexperience. Use what you learn to empoweryourself—to leverage your unique abilities, build onwhat you’ve already established and set yourself apartfrom your competitors in the future.Save <strong>The</strong> Date!<strong>The</strong> Conference forAfrican <strong>American</strong>Financial Professionalswill again take place atClark Atlanta University,Altanta GA.August 2011How to Contact UsOffice of Professional EducationPhone: 888-263-7265 • Fax: 610-526-1300Representatives available: Monday – Friday, 8 a.m. – 7 p.m. ETGraduate ProgramsMSM: 610-526-1451 or MSFS: 610-526-1385 • Fax: 610-526-1359Representatives available: Monday – Friday, 8 a.m. – 5 p.m. ETE-mailProfessionalEducation@<strong>The</strong><strong>American</strong><strong>College</strong>.eduWeb<strong>The</strong><strong>American</strong><strong>College</strong>.eduWritten Correspondence<strong>The</strong> <strong>American</strong> <strong>College</strong>270 S. Bryn Mawr AvenuePO Box 1513Bryn Mawr, PA 19010-2196Certified Financial Planner Board of Standards Inc. owns the certificationmarks CFP ® , CERTIFIED FINANCIAL PLANNER and federally registered CFP(with flame design) in the U.S., which it awards to individuals who successfullycomplete CFP Board’s initial and ongoing certification requirements.<strong>The</strong> marks CASL ® , CAP ® , ChFC ® , CLF ® , CLU ® , REBC ® and RHU ® are theproperty of <strong>The</strong> <strong>American</strong> <strong>College</strong> and may be used by individuals whohave successfully completed the initial and ongoing certificationrequirements for these designations.Accreditation<strong>The</strong> <strong>American</strong> <strong>College</strong> is accredited by the Middle States Commission onHigher Education, 3624 Market Street, Philadelphia, PA 19104 215-662-5606PRINTED WITHTom McLeary, CLU, ® President of Endow, Inc. welcomes the attendees of the 2010 Conference for African <strong>American</strong>Financial Professionals held at Clark Atlanta University in Atlanta, GA.100% WIND ENERGY90Supplied by Community Energy
®<strong>The</strong> Wealth Channel<strong>The</strong> Wealth Channel ® is the nation’s leading online source of financial services insight and knowledge.With the information you need to make your business successful, <strong>The</strong> Wealth Channel ® is designed for theengaged professional seeking to create real financial security for clients.• Updates on legislative and current events critical to yourbusiness from some of the nation’s foremost financialpractitioners.• In-depth educational presentations from the industry’smost knowledgeable academic thought-leaders.• Information on a variety of practice specializationsincluding investments, retirement, wealth accumulationand philanthropy.• Weekly discussions of ethics and practice managementissues designed to make you a more effective andproductive financial professional.Stay informedwith new updatesevery week!Featuring the most robust source of financial services videos on demand along with cutting edgewebcasts, audio presentations and articles, <strong>The</strong> Wealth Channel ® is the definitive source of informationfor the well-informed practitioner.C O L L E G E
Course Guide<strong>The</strong> <strong>American</strong> <strong>College</strong> offersa continuum of educationalopportunities that encourages alifetime of professional development.Additional credentials canhelp you advance your career orspecialize in a particular area offinancial services.Please refer to our website<strong>The</strong><strong>American</strong><strong>College</strong>.edufor the most up-to-datecourse information.Select oneSelect oneCOURSES ChHC TM LUTCF FSS ChFC ® CFP ® CLU ® RHU ® REBC ® CLF® fieldCLF ®office CASL ®Number of Courses 6 6 6 9 6 8 3 5 7 6 5HS 300 Financial Planning: Process and Environment R R EHS 311 Fundamentals of Insurance Planning R R RHS 313 Individual Health Insurance R E E EHS 321 Income Taxation R R EHS 322 <strong>The</strong> Financial System in the EconomyEHS 323 Individual Life InsuranceRHS 324 Life Insurance LawRHS 325 Group Benefits R E E R RHS 326 Planning for Retirement Needs E R R E RHS 328 Investments R R E RHS 330 Fundamentals of Estate Planning R R R RHS 331 Planning for Business Owners and ProfessionalsRHS 332 Financial Planning ApplicationsRHS 334 Estate Planning Applications E EHS 340 Advanced Topics in Group Benefits R R RHS 342 Executive Compensation E E EHS 343 Compensation and Personnel Management E EHS 344 Advanced Topics in Managed Care E E ENEW HS 345 <strong>The</strong> Essentials of <strong>Healthcare</strong> ReformRNEW HS 346 <strong>The</strong> <strong>Healthcare</strong> <strong>Consultant</strong>RHS 350 Understanding the Older ClientRHS 351 Health and Long-Term Care Financing for Seniors E RHS 352 Financial Decisions for Retirement E RHS 381 Integrated Leadership PracticesHS 371 Essentials of Management Development (GAMA)RHS 381 Professional Patterns of Management (Kinder Brothers)HS 372 Leading Practices Seminar (GAMA)HS 373 Practice Management Concepts for Agency ManagersRHS 382 Leadership in a Changing World R RHS 383 Interpersonal Relationships in the Workplace R RHS 384 Creative Problem-Solving and the Strategic Planning Process R RHS 385 Leading the Marketing Organization of the Future (Capstone)RHS 386 Field Management SeminarRHS 387 Marketing Management of Financial ServicesRHS 388 Leading in the Office Environment (Capstone)RHS 389 Human Resource ManagementRFA 200 Techniques for Prospecting: Prospect or Perish E EFA 201 Techniques for Exploring Personal Markets E EFA 202 Techniques for Meeting Client Needs E EFA 204 Marketing Financial Services to Women E EFA 211 Essentials of Disability Income Insurance E EFA 222 Essentials of Multiline Insurance Products E EFA 251 Essentials of Business Insurance E EFA 255 Essentials of Long-Term Care Insurance E EFA 256 Essentials of Annuities E EFA 257 Essentials of Life Insurance Products E EFA 261 Foundations of Retirement Planning E EFA 262 Foundations of Financial Planning: An OverviewRFA 263 Foundations of Financial Planning: <strong>The</strong> ProcessRFA 264 Foundations of Investment Planning E EFA 271 Foundations of Estate Planning E EFA 290 Ethics for the Financial Services Professional R RHow courses apply across designations and master’s degrees. R – Required E – Elective
COURSES FOR ACCREDITED MASTER’S DEGREESMaster of Science in Management COURSESR – Required E – ElectivePlease refer to our websiteNumber of Courses 10GS 900 Communications and Leadership R* Available as an elective for REBC ®GS 910 Leadership Development Experience R<strong>The</strong><strong>American</strong><strong>College</strong>.eduGS 920 Personal and Interpersonal Leadership Skills Rfor the most up-to-dateGS 930 Classic and Contemporary Leadership Studies RGS 940 Dynamic Organizational Leadership Rcourse information.GS 950 Law, Compliance, Benefits and Social Responsibility RGS 960 Leading Strategy Development RGS 970 Decision Making Leadership Skills RGS 980 Ethics in Leadership RGS 990 Management by Leadership RMaster of Science in Financial Services R – Required E – ElectiveCOURSESMSFSNumber of Courses 12GS 803 Financial Statements and Business Valuation Analysis RGS 804 Communications and Research (Residency) RGS 807 MSFS Case Study Project RGS 811 Security Analysis and Portfolio Management RGS 814 Qualified Retirement Plans RGS 815 Advanced Estate Planning I RGS 816 Advanced Estate Planning II* EGS 817 Personal Tax Planning RGS 819 Mutual Funds: Analysis, Allocation and Performance Evaluation RGS 831 Ethics and Human Values (Residency) RGS 836 Business Succession Planning I EGS 838 Business Succession Planning II EGS 839 Planning for Philanthropic Impact in the Context of Family Wealth EGS 849 Charitable Strategies EGS 859 Gift Planning in a Nonprofit Context EGS 842 Executive Compensation RHS 352 Financial Decisions for Retirement EHS 383 Interpersonal Relationships in the Workplace ENEW GS 840 Building & Managing Financial Advisory Practice EMSM! <strong>The</strong> <strong>American</strong> <strong>College</strong> anticipates an announcement fromits accreditation agency in 2011, with impetus from the U.S.and PA Departments of Education, that degree-grantingprograms must increase their contact hours for coursecrediting in the future. Such changes, when implemented, willdirectly affect our graduate programs. <strong>The</strong> <strong>American</strong> <strong>College</strong>will be in the forefront of compliance with these regulations toensure our advanced degrees retain their preeminence infinancial and leadership education.Earn a CAP ® designation inPhilanthropy by taking thesethree elective courses.
Celebrate Your Achievement…June 9-11, 2011Caesars Palace, Las Vegas, Nevada• Leading Industry Speakers and CE Credits• Las Vegas Sights, Hoover Dam, Grand Canyon• Special Commencement Ceremony• And Much More!CATALOG 11.0<strong>The</strong> <strong>American</strong> <strong>College</strong>’s Knowledge Summit is an event that draws the highest caliber oftalent and speakers together for an educational, network driven experience. Each year,the Summit attracts speakers from across the financial services industry who share theirinsight and experience with those in attendance.<strong>The</strong> Knowledge Summit is also where graduates of <strong>The</strong> <strong>American</strong> <strong>College</strong> gathertogether for their Commencement ceremony and celebrations and where we hold thePresident’s Dinner.Call 888-347-4185 or visit <strong>The</strong><strong>American</strong><strong>College</strong>.edu/Summit20112011_CourseCatalog_1.0