All students must be enrolled through Oakland University before finalizing their enrollment here.

During the enrollment process, you will be prompted for the Coupon Code provided to you by Oakland University to override this site's course fee. Once you enter the Coupon Code, the $795 course fee will be reduced to $0.

The Foundations of Financial Planning course is for new entrants to the financial services industry as well as experienced professionals who want to expand their practice and be more holistic in their approach. This course helps "Fill the Gaps" in the student's knowledge of the five commonly recognized segments in a family’s comprehensive financial plan (Estate Planning, Tax Planning, Risk Management/ Insurance, Retirement Planning and Investment Planning) along with additional topics including Employee Benefits, Social Security, Medicare and College Planning. 

This course provides 24 contact hours of foundational education in the comprehensive approach to financial planning.  The course is delivered through a self-study, distance-based learning approach, through Oakland University's partner, the Advanced Planning Educational Group, Inc. Enrollment in the course through Oakland University is required before accessing the content.

Students that successfully pass the course with a minimum score of 70% will receive a certificate of completion from the university and will accelerate their eligibility to enter the university's CFP® executive preparation program.

Course Includes:
Jeffrey Hoenle Bio
Terry Altman Bio
James Knaus Bio
Mark Wise Bio
Donald Denstaedt Bio
D. Andrew Hickman Bio
Course Curriculum

Course Curriculum

  Course Introduction
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  APEG Foundations | An Overview of Financial Planning- Jeffrey Hoenle CFP®, CRPC®, AEP®
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  APEG Foundations | Estate Planning - Tricia L. Lincoln, Esq.
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  APEG Foundations | Income Tax - Ruth Raftery, JD, CPA, AEP®
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  APEG Foundations | Risk Management - Terry Altman, CFP®, ChFC®, CLU®
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  APEG Foundations | Retirement Planning - James Knaus, CFP®
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  APEG Foundations | Employee Benefits, Social Security, & Medicare - Mark T. Wise, CFP®, CRPC®
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  APEG Foundations | Investments - Donald M. Denstaedt, CFP®, CFS®
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  APEG Foundations | College Planning - Andy Hickman
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CFP Executive Program
At a time when many Americans are reaching retirement age, the need for personal financial planning expertise is greater than ever. Recruiters and prospective employers recognize CFP® certification as the most desired designation in this growing field.

Executive Program

The twelve-month Executive Program is designed for professionals who have at least 2-3 years of financial planning experience in the financial services industry. Any exceptions to the experience requirement requires approval by the Advisory Board and/or Program Director. 

Alternative Pre-Requisite: Foundations of Financial Planning

Successful completion of the PFP 37010 Course (Foundations of Financial Planning), along with a State Life, Health, & Accident license and SIE (Securities Industry Essentials) exam completion administered through FINRA (Financial Industry Regulatory Agency) will allow participants to bypass the 3 year experience requirement to enroll in the OU Executive Program to obtain the CFP® education requirements.


Lori Oancea, Program Director

[email protected]


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Cohort Structured Learning

The cohort-based, one-year program requires the completion of six courses, each spanning eight weeks. All courses are required to sit for the CFP® Examination. The goal of the program is to assist participants through successful completion of the materials using techniques applicable to adult learning styles and a schedule that will integrate into busy work and personal lives.

Oakland University's Certificate Program in Personal Financial Planning is registered with the CFP® Board of Standards in Washington, D.C. OU's program was one of the first in the country to be registered by the CFP® Board, and the program abides by all Board standards. 

Executive Program Course Descriptions

Course topics are covered in six week periods with the final two weeks used for webinar presentations and personalized review as needed. The optional 40-hour CFP® Exam Review is strategically held just before the CFP® Exam in March.

1) Investments, Survey, and Financial Calculator

A newly re-designed introduction to the Principles of Personal Financial Planning and Investments. Participants receive an extensive introduction to the financial planning process, time value of money, ethical considerations, economic environment and essential investment planning concepts. The course includes study of securities markets, investment asset classes, portfolio construction, and investment techniques, tools and strategies. This course is a prerequisite to all the other courses in the program. An HP10BII calculator is required for the program.

2) Income Tax Planning

Designed to enable the professional providing personal financial planning services to recognize many of the income tax planning opportunities and dilemmas that may arise. The course covers the fundamentals of individual income taxation and tax law overview, terminology and computations. Discussion and analysis will focus on practical problems involving tax planning implications of home ownership; property transactions; tax advantage investments; divorce and remarriage; forms of business ownership; accounting methods and periods; life insurance, annuities, and securities; intra-family and charitable transfers; and forms and methods of employment compensation.

3) Risk Management

Survey of risk management, primarily in the areas of life, health, casualty, and liability insurance. Includes analysis of risk exposure, evaluation techniques for various insurance plans, and contract selection criteria from a cost-benefit standpoint. Income and estate taxation laws as related to insurance premiums and benefits; alternative methods of funding insurance premiums; and the role of insurance in retirement and estate planning will also be discussed.

4) Retirement Planning

Provides working knowledge of retirement planning tools, terminology, and techniques, including the rules, regulations, and taxation of qualified and non-qualified plans: Pension, profit sharing, 401(k), SEP, IRA, and deferred compensation. Includes study of the basic characteristics of specific employee benefits such as group life insurance and group health coverage. The financial planning process will be emphasized in class discussion with illustrations from practical experience and actual case histories

5) Estate Planning & Advanced Case Study

Newly re-designed, this course combines the estate planning essentials with practical application using the case study method. The course covers the estate planning process, property ownership and implications, lifetime and death-related transfers, legal documents, federal gift and estate tax law, business transfers, estate valuation, and income tax ramifications in estate planning. The case studies integrate all aspects of the financial planning process with an emphasis on the estate planning. Students are expected to participate actively in the case presentations.

6) Financial Plan Development

The Financial Plan Development course features solid, practical application of all the material covered in the prior classes. Students are required to prepare a comprehensive written financial plan and to present it orally, according to rules established by Certified Financial Planner Board of Standards, Inc. The course provides both relevant, practical experience in comprehensive planning and superlative preparation for the case studies in the national certification examination.

Schedule and Pricing

Investments, Survey, and Financial Calculator

PFP 37100

Feb. 5- March 25, 2020


Income Tax Planning

PFP 37150

April 1- May 20, 2020


Risk Management

PFP 37050

May 27-July 15, 2020


Retirement Planning

PFP 37200

July 22-Sept 9, 2020


Estate Planning

PFP 37250

Sept 16-Nov 4, 2020


Financial Plan Development (Capstone)

PFP 37300

Nov 11, 2020 – Jan 20, 2021

No class 11/25 & 12/30 $775

Textbooks: Textbooks must be purchased separately and can be found on the Money Education website:

Professional and Continuing Education
Pawley Hall, Room 440G
456 Pioneer Drive
Rochester, MI 48309-4482
(location map)
(248) 370-3177
[email protected]

Contact Us 800-568-2444