The Need

As reported in Financial Planning in February, 2020, over 40% of financial advisors, nearly 111,636... will retire in the next decade.

Based on the research firm, Cerulli Associates, report.


The Cerulli report continues with “As advisor retirements begin to accelerate, so does the need for innovative recruiting and retention strategies. Broker-dealers and independent firms are struggling to attract enough new advisor talent to adequately replenish their existing advisor forces,”

“As the next generation of advisors enter the industry, many will do so with the goal of providing comprehensive financial advice to their clients, and will be underserved by firms that direct their training heavily toward product knowledge and sales strategies,” the report states.

The issue is further reported on by Andrew Osterland, CNBC (6/25/19):

For the most part, graduates fresh out of college are not ideal candidates for this kind of work. But with financial advisors entering their 70s and a serious shortage of incoming advisors on the horizon, universities and colleges offering financial planning degrees are becoming a much more important source of new entrants to the industry.

Osterland further quotes the Cerulli report with...

“This issue will become critical in the next five years or so.....The schools will be an important factor in addressing the problem.”

Osterland continues with...

"At the end of the day, the number of graduates from university and college financial planning programs won’t come near to replacing the thousands of advisors expected to leave the industry in the next decade, some industry observers say....Many programs have next to no budget and consist of a professor or two teaching a couple of classes."


The Solution

A Multi-Leveled Financial Planning Curriculum Partnership


APEG Collegiate has connected three educational opportunities for colleges and universities to deploy a complete suite of financial planning courses with little investment.


The first course, Money Vehicle, offered by Jed Collins is ideal for all students as it provides a complete curriculum designed to teach valuable life skills.


APEG Collegiate recognizes that colleges and universities are often called upon by financial firms to offer "outsourced" education. To address that need, APEG Collegiate offers its Foundations of Financial Planning Course offered by APEG, which has been designed to be an accelerated basic financial planning course to compliment the financial firms training program.


Students that are inspired by the Money Vehicle or the Foundations of Financial Planning Course to seek out a career in the financial services industry can continue with a the Associate Advisor Program. This 10 course curriculum has been designed by industry leaders to prepare an individual for immediate placement within a myriad of financial and insurance firms. This curriculum is ideal to support both Associate Degree and Certificate Programs.

Money Vehicle

A Jedidiah Collins Offering

Money Vehicle is a financial education program for people who are looking to take ownership of their financial future. The program grew out of Jedidiah’s real-life dilemma of being handed an NFL check and not knowing what to do with it. Together, we will unwrap the complicated language of money and give you the clarity it took him years as a Certified Financial Planner to find.

Money Vehicle helps students and young professionals begin their financial journey. Through entertaining and engaging content developed by a former NFL player and Certified Financial Planner® the course walks through the first 10 questions and actions one will need to take to begin driving to financial freedom.

Foundations of Financial Planning

An APEG Offering

The APEG Foundations of Financial Planning Course helps you to "Fill the Gaps" in your knowledge of the five commonly recognized segments in a financial plan (Estate Planning, Tax Planning, Risk Management/ Insurance, Retirement Planning and Investment Planning) along with the additional topics of Employee Benefits, Social Security, Medicare and College Planning. 

This Course provides over 24 contact hours of on-demand education in Comprehensive Financial Planning. In addition to academic information, client-friendly discussion points provide communication techniques to immediately assist participants in their practice.

This course is ideal for an individual already in the financial services industry that needs to complete a "quick" training curriculum to aid in the servicing of financial planning clients.


The Associate Advisor Program

An APEG Collegiate Offering

The APEG Foundations of Financial Planning Course helps you to "Fill the Gaps" in your knowledge of the five commonly recognized segments in a financial plan (Estate Planning, Tax Planning, Risk Management/ Insurance, Retirement Planning and Investment Planning) along with the additional topics of Employee Benefits, Social Security, Medicare and College Planning. 

This Course provides over 24 contact hours of on-demand education in Comprehensive Financial Planning. In addition to academic information, client-friendly discussion points provide communication techniques to immediately assist participants in their practice.

This course is ideal for an individual already in the financial services industry that needs to complete a "quick" training curriculum to aid in the servicing of financial planning clients.


The Associate Advisor Program

Advisor Associate Curriculum Highlights


  • All courses are developed by APEG Collegiate for deployment in a collegiate environment.
  • The courses are white labeled for co-branding for enrollment and student dash-board purposes.
  • Customization for each educational institution allows for typical institutional disclosures including student privacy and ADA requirements.
  • Each course is 45 contact-hours to qualify for 3 credits.
  • Each course is on-demand and hosted on the APEG Collegiate site.
  • Each course provides email and phone connection with instructors.
  • Most courses provide for periodic discussion group session to provide interaction with instructor team. (Periods vary based on topics)
  • Each course is broken down into modules for easy engagement.
  • Each course has a dashboard driven mid-term and final exam, along with practice a module practice quiz.
Introduction to Financial Planning 1
  • Welcome to the Financial Services Industry
  • Financial Institutions
  • Career Pathways
  • Regulatory Environment
  • Key Financial Planning Segments
  • Estate Planning
  • Income Taxation
  • Risk Management
  • Retirement Income Planning
  • Investments
Introduction to Financial Planning 2
  • Marriage and Divorce
  • Special needs Planning
  • Liability Planning
  • College Planning
  • Key Employee Benefits
  • Health Insurance
  • Utilization of Credit and Debt Management
  • Governmental Benefits
  • Social Security
  • Medicare
  • Medicaid
  • Veterans Benefits
Industry Insurance Product Types
  • Life Insurance
  • Term Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Property / Casualty Insurance
  • Auto Insurance
  • Homeowners Insurance
  • Umbrella Coverage
  • Health Insurance Policy Forms
  • Insurance for Disability
  • Disability Coverage
  • Long-Term Care Coverage
  • Hybrid Life Insurance Coverage
  • Misc. Coverages (Malpractice, D&O, Flood)
Industry Investment and Income Product Types
  • Annuities Immediate/Deferred
  • Deferred Annuity Types
  • Variable
  • Structured
  • Fixed and Equity Indexed
  • Annuity Riders
  • Equities
  • Stocks
  • Bonds
  • UITs / ETFs / Mutual Funds
  • Third Party Asset Managers
  • Alternative Investments
Fundamentals of Financial Planning
  • Overview to Financial Planning
  • Financial Advice vs. Financial Planning
  • Financial Planning Considerations and Limitations
  • Client Engagement Process
  • Communicating the Process
  • Engaging the Client
  • Gathering Information
  • Analyzing the Information
  • Developing Recommendations
  • Communicating Recommendations
  • Implementing Recommendations
  • Monitoring the Recommendations
Case Studies Course
  • Case Studies:
  • Young Single Professional
  • Young Married Couple
  • Middle Aged Divorcee
  • Middle Aged Parents
  • Pre-Retirement Couple
  • Widow


Industry Technology Tools
  • Client Relationship Management Tools
  • Salesforce
  • Redtail
  • Analysis Tools
  • Riskalyze
  • Morningstar
  • Advisor Controls
  • Social Security Analyzer
  • Insurance Tools
  • Cannex
  • Life Insurance Illustration Tools
  • Emoney
  • Money Guide Pro
  • Right Capital
  • Cyber Security
The Financial Planning Practice
  • Types of Practices
  • Captive
  • Independent
  • Banking
  • Client Relationships
  • Building a Social Media Presence
  • Marketing to New Relationships
  • Demonstrating a Competitive Advantage
  • Professionalism in the Financial Services Industry
  • Typical Regulatory Constraints
  • Servicing Client Best-Practices
  • Compensation Models


Industry Standards and Opportunities
  • Fiduciary Obligations
  • General Compliance Considerations, u4, oba, background
  • Designations
  • Ethical Practices
  • Moral Obligations
  • Integration into a Practice
  • Acquiring a Practice
  • Working in a Team Approach with Professionals
  • Continuing Education
  • Key Firm Overview Sessions (Optional - Untested) Industry Leaders Perspectives
Industry Examination Preparation
  • Securities Industry Examination (SEI)
  • Series 7 Examination
  • Series 66 Examination


The Associate Advisor Opportunity

An Excerpt from the CFP® Financial Planning Career Paths

Questions and Support (800) 568-2444 or [email protected]