Full program description
Earn a digital badge in Personal Financial Planning while completing the education course requirement for the CFP® exam. ![Personal Financial Planning Badge](data:image/png;base64,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)
The CFP® Professional Certificate Program at the Thomas More University was developed with working professionals in mind. As a CFP Board-Registered Program, we provide comprehensive instruction with an emphasis on quality client service. This is an accelerated graduate level program where you will complete all classes in under a year's time.
Program Snapshot
- CFP Board Registered: Seven classes (PFP100 - PFP700) approved for course education requirement
- Accelerated program; our next cohort starts April 1, 2024 (April - 2024)
- Designed for the working professional: Friday/Saturday classes which meet online
- Course materials included in tuition
- Tuition: Pay as you go
- All Faculty are industry professionals who have earned the CFP credential and can answer questions about content from any class offered
- Convenient online live format via a cloud-based virtual platform with a live instructor
- Earn a digital badge to highlight academic accomplishment: Personal Financial Planning; issued to an individual and sharable on your resume and social media
- No admissions requirements
Join us for an information session about our 2024 CFP Certificate Program.
You will hear a short presentation about our program, and be able to talk with our staff and faculty about the CFP certification or specific questions about the classes.
- Date pending; you can request information to be sent to you by filling out this online form.