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所在平台: Udemy |
课程主页: https://www.udemy.com/course/cfp-certified-financial-planner-exam-questions-practice/
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课程名称: (CFP) 注册财务规划师考试题目练习 课程概述: 本课程专注于注册财务规划师（CFP）所需的实践技能和知识应用。CFP 从业者需与客户合作，制定全面的财务计划，考虑客户的目标、需求和风险承受能力。掌握财务规划原则、投资策略、保险、税务规划、退休规划及遗产规划是必不可少的。此外，CFP 还需具备将复杂的财务概念以清晰易懂的方式传达给客户的能力。 获得 CFP 认证需要满足教育、考试、经验和伦理要求，并支付持续的认证费用。特别强调的是，此信息主要针对美国的 CFP 认证。在英国，通过国际证券与投资特许学院（CISI）可获得 CFP 许可/认证。 本课程还介绍一种名为 Personal Capital 的免费软件，能够连接至金融机构，集中管理财务资产和负债的数据，包括交易明细。使用 Personal Capital 软件的优势在于提供净资产信息、投资管理信息和退休规划等大型规划目标的工具。 课程内容包括 Personal Capital 软件的设置及账户链接、数据安全性等，同时还会将其与其他财务管理软件（如 QuickBooks、Xero、Quicken 和 Excel）进行比较。学生将通过下载金融交易并进行分类，练习将财务数据转化为收入报表，并与会计软件（如 QuickBooks）的处理流程进行对比。 课程将探讨 Personal Capital 软件在个人净资产或资产负债表功能方面的优势，如何自动拉取银行账户、投资账户及债务信息。同时，该软件还提供投资持有状况的详细信息及改进投资回报与降低风险的建议。 学员们将使用预测规划工具为退休及其他重大投资项目进行规划，软件还包含蒙特卡洛模拟等复杂分析工具。我们也将学习如何添加非金融机构的资产和负债，确保净资产或资产负债表更加完整和准确。
CFP (Certified Financial Planner) Practice refers to the practical application of the knowledge and skills learned in the process of becoming a certified financial planner. It involves working with clients to develop a comprehensive financial plan that takes into account their goals, needs, and risk tolerance. A CFP practitioner must have a thorough understanding of financial planning principles, investment strategies, insurance, tax planning, retirement planning, and estate planning. They should also be skilled at communicating complex financial concepts in a clear and understandable manner to clients.The Certified Financial Planner (CFP) designation is a professional certification mark for financial planners conferred by the Certified Financial Planner Board of Standards (CFP Board)in the United States, and by 25 other organizations affiliated with Financial Planning Standards Board (FPSB),the international owner of the CFP mark outside of the United States.To receive authorization to use the designation, the candidate must meet education, examination, experience and ethics requirements, and pay an ongoing certification fee.The information relates specifically to CFP certification in the United States.In the United Kingdom, the CFP licence/designation is available to financial planners through membership of the Chartered Institute of Securities & Investment (CISI)Personal Capital is currently a free software that can connect to financial institutions, pulling in financial asset and liability balances, as well as transaction detail, into one location.The strong areas of benefit of using Personal Capital software are its ability to provide net worth or balance sheet information, investment management information, and planning tools such as retirement planning and other large planning goals.The Personal Capital software also downloads transaction detail and allows for the categorization or assigning of accounts and tags that can then be used to generate an income statement. It also has budgeting tools to help with shorter-term cash flow management.This course will discuss how to set up the Personal Capital software and link to accounts. We will also discuss some reasons why the software may be offered for free and look over Personal Capital data security.We will compare the Personal Capital software to other types of software that can connect directly to financial institutions and pull financial information, such software generally falling into the category of accounting software that uses the double-entry accounting system or financial management software.Accounting software using the double-entry accounting system includes packages such as QuickBooks, Xero, & Wave accounting. Although accounting software utilizes financial institution connectivity it generally does so differently than Personal Capital software, which falls into the financial management category. We will discuss the differences in software.Other financial management and budgeting software include Quicken, Mint, and Microsoft Excel, Excel actually having a template called Money in Excel that has financial institution connectivity.Learners will practice converting financial data into an income statement by downloading transactions from financial institutions, categorizing them, and then exporting them into Excel for sorting. We will compare the process with what would be done using accounting software like QuickBooks.The course will discuss the benefits of the personal net worth or balance sheet functionality of Personal Capital software, the software pulling in assets and liability balances automatically for items such as bank accounts, investment accounts like 401(K), savings accounts, CD accounts, credit card balances, mortgage balances, and loan balances.We will also discuss the benefit of the software providing more detail on our investment holdings and providing insights and suggestions to improve returns and reduce risk. The ability to pull investments into one place allows a more rounded analysis of the data than you may get from one brokerage account analyzed in isolation.Learners will be able to use the projection planner to help plan for retirement and other large investment items. The Personal Capital software utilizes sophisticated analytical tools including a Monte Carlo Simulation tool.We will also explore the home appraisal tool offered by the software and we will practice adding non-financial institution assets and liabilities, making our net worth or balance sheet completer and more accurate.
