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The Transformative Power of an AFC Accredited Financial Counselor
Author: Sarah Miller, AFC®, Certified Financial Planner™ (CFP®)
Publisher: The National Foundation for Credit Counseling (NFCC) – a leading non-profit organization dedicated to advancing financial literacy and responsible credit practices.
Editor: David Lee, MA in Financial Counseling, 15+ years experience editing financial literacy publications.
Introduction:
The weight of financial stress can be crushing. It can disrupt sleep, strain relationships, and even impact physical health. But there's hope. For years, I've witnessed firsthand the transformative power of an AFC accredited financial counselor, and in this article, I’ll share personal anecdotes and real-life case studies demonstrating the profound impact these professionals have on individuals and families struggling with financial challenges. As an AFC accredited financial counselor and Certified Financial Planner, I've dedicated my career to helping people navigate their finances with confidence and clarity.
H1: Understanding the AFC Accreditation
Becoming an AFC accredited financial counselor is no easy feat. It requires rigorous training, examination, and adherence to a strict code of ethics. The Association for Financial Counseling & Planning Education (AFCPE) sets a high standard, ensuring that those who earn the accreditation possess the necessary knowledge, skills, and compassion to guide clients effectively. This accreditation signals a commitment to ongoing professional development, guaranteeing clients receive the most up-to-date and effective financial guidance. The AFC designation ensures that your financial counselor is qualified to help you navigate complex financial situations with expertise and integrity.
H2: Personal Anecdotes: The Power of Empathy and Expertise
One of the most rewarding aspects of being an AFC accredited financial counselor is the ability to connect with clients on a personal level. I remember a young couple, overwhelmed by student loan debt and the looming prospect of buying a home. They felt trapped and hopeless. Through careful budgeting, debt management strategies, and open communication, we developed a realistic financial plan. Seeing the relief on their faces as they regained control of their finances was incredibly fulfilling. This experience reinforced the importance of empathy and personalized strategies in the work of an AFC accredited financial counselor. It's not just about numbers; it’s about rebuilding hope and fostering financial well-being.
H2: Case Study 1: Overcoming Medical Debt
A single mother of two came to me drowning in medical debt after an unexpected illness. She was working tirelessly, but the mounting bills felt insurmountable. As her AFC accredited financial counselor, I helped her negotiate lower payments with providers, explore options like hardship programs, and develop a budget that prioritized essential expenses. Over several months, we successfully reduced her debt burden and created a sustainable financial plan, enabling her to regain a sense of stability and security. This exemplifies the proactive and compassionate approach of an AFC accredited financial counselor in addressing complex financial challenges.
H2: Case Study 2: Navigating Bankruptcy
Another client faced the daunting prospect of bankruptcy. Overwhelmed by credit card debt and struggling to keep afloat, he felt defeated and ashamed. Rather than simply accepting bankruptcy as the only solution, I worked with him as his AFC accredited financial counselor to explore all possible options. We meticulously analyzed his income and expenses, negotiated with creditors, and explored debt consolidation strategies. While bankruptcy ultimately became necessary, we worked together to minimize its impact and set him on a path to financial recovery. This highlights the comprehensive approach an AFC accredited financial counselor takes, exploring all avenues before recommending drastic measures.
H2: The Importance of Choosing an AFC Accredited Financial Counselor
The benefits of working with an AFC accredited financial counselor extend beyond mere financial planning. These professionals provide:
Personalized Guidance: They tailor their approach to meet your unique needs and circumstances.
Objective Advice: They offer unbiased recommendations based on your financial situation.
Comprehensive Support: They provide ongoing support and guidance as you work towards your financial goals.
Ethical Practices: They adhere to a strict code of ethics, ensuring your interests are always prioritized.
Proven Expertise: Their accreditation signifies a commitment to ongoing professional development and mastery of financial counseling principles.
H3: Finding an AFC Accredited Financial Counselor
Finding a qualified professional is crucial. The AFCPE website provides a directory of AFC accredited financial counselors, allowing you to search for counselors in your area. Consider factors such as experience, specialization, and client testimonials when making your selection. Investing time in finding the right AFC accredited financial counselor is an investment in your financial future.
Conclusion:
An AFC accredited financial counselor is more than just a financial advisor; they are a trusted guide, a source of support, and a catalyst for positive change. They empower individuals and families to take control of their finances, build a secure future, and achieve their financial dreams. If you're struggling with debt, facing financial uncertainty, or simply need guidance in navigating your financial journey, don't hesitate to seek the help of an AFC accredited financial counselor. Their expertise and compassion can make a world of difference.
FAQs:
1. What is the difference between an AFC accredited financial counselor and a financial planner? While both offer financial advice, AFCs focus primarily on counseling and education, often working with clients facing debt or financial hardship. Financial planners may offer broader services, including investment management.
2. How much does it cost to work with an AFC accredited financial counselor? Costs vary depending on the counselor and their services. Many offer sliding-scale fees or work with non-profit organizations, making their services accessible to a wider range of clients.
3. Do I need a referral to see an AFC accredited financial counselor? No, you don't typically need a referral. You can find an AFC accredited financial counselor through the AFCPE website.
4. How long does it typically take to see results after working with an AFC accredited financial counselor? This varies greatly depending on individual circumstances and goals. Some clients see immediate improvements in their budgeting and spending habits, while others require more time to address complex financial challenges.
5. What types of financial issues can an AFC accredited financial counselor help with? They can help with a wide range of issues, including debt management, budgeting, credit repair, bankruptcy, financial planning, and retirement planning.
6. Are the sessions with an AFC accredited financial counselor confidential? Yes, sessions are typically confidential, adhering to professional ethical standards.
7. What if I don't have health insurance? Can I still access the services of an AFC accredited financial counselor? Many AFCs work with non-profit organizations or offer sliding-scale fees to ensure accessibility regardless of insurance coverage.
8. How often will I need to meet with my AFC accredited financial counselor? The frequency of meetings depends on your individual needs and progress. Some clients meet weekly, others bi-weekly or monthly.
9. Can an AFC accredited financial counselor help me with tax issues? While they may offer basic tax advice, they typically don't provide tax preparation services. Referrals to tax professionals may be available.
Related Articles:
1. Debt Management Strategies: A Guide from an AFC Accredited Financial Counselor: This article provides practical tips and strategies for managing and reducing debt.
2. Creating a Realistic Budget: The Cornerstone of Financial Wellness: This article offers a step-by-step guide to creating a budget that works for you.
3. Understanding Credit Scores and Repairing Your Credit: This article explains how credit scores work and provides strategies for improving your credit.
4. Navigating Bankruptcy: Understanding Your Options: This article explores the complexities of bankruptcy and provides guidance on making informed decisions.
5. The Importance of Financial Literacy: Building a Strong Financial Foundation: This article emphasizes the importance of financial education and provides resources for learning more about personal finance.
6. Financial Planning for Young Adults: Setting Yourself Up for Success: This article offers financial planning advice specifically for young adults.
7. Financial Planning for Retirement: Securing Your Future: This article discusses retirement planning strategies and the role of an AFC accredited financial counselor.
8. Managing Student Loan Debt: Strategies for Repayment and Relief: This article provides specific advice on managing student loan debt.
9. Building an Emergency Fund: Protecting Yourself from Unexpected Expenses: This article outlines the importance of having an emergency fund and strategies for saving.
| afc accredited financial counselor: Financial Counseling Dorothy B. Durband, Ryan H. Law, Angela K. Mazzolini, 2018-10-16 This text is a valuable new resource that we recommend for all of our professionals and are proud to incorporate as part of our AFC® certification program. With expertise representing the breadth and depth of the financial counseling profession, the content in this text provides you with a rigorous foundation of knowledge, considers critical theoretical models, and explores foundational skills of communication, self-awareness, and bias. This type of comprehensive approach aligns with our mission and vision—providing you with the foundational knowledge to meet clients where they are across the financial life-cycle and impact long-term financial capability. -Rebecca Wiggins, Executive Director, AFCPE® (Association for Financial Counseling and Planning Education®) This timely volume presents a comprehensive overview of financial counseling skills in accessible, practical detail for readers throughout the career span. Expert financial counselors, educators, and researchers refer to classic and current theories for up-to-date instruction on building long-term client competence, working with clients of diverse backgrounds, addressing problem financial behavior, and approaching sensitive topics. From these core components, readers have a choice of integrated frameworks for guiding clients in critical areas of financial decision-making. This essential work: · Offers an introduction to financial counseling as a practice and profession · Discusses the challenges of working in financial counseling · Explores the elements of the client/counselor relationship · Compares delivery systems and practice models · Features effective tools and resources used in financial counseling · Encourages counselor ethics, preparedness, and self-awareness A standout in professional development references, Financial Counseling equips students and new professionals to better understand this demanding field, and offers seasoned veterans a robust refresher course in current best practices. |
| afc accredited financial counselor: The Index Card Helaine Olen, Harold Pollack, 2016-01-05 “The newbie investor will not find a better guide to personal finance.” —Burton Malkiel, author of A RANDOM WALK DOWN WALL STREET TV analysts and money managers would have you believe your finances are enormously complicated, and if you don’t follow their guidance, you’ll end up in the poorhouse. They’re wrong. When University of Chicago professor Harold Pollack interviewed Helaine Olen, an award-winning financial journalist and the author of the bestselling Pound Foolish, he made an offhand suggestion: everything you need to know about managing your money could fit on an index card. To prove his point, he grabbed a 4 x 6 card, scribbled down a list of rules, and posted a picture of the card online. The post went viral. Now, Pollack teams up with Olen to explain why the ten simple rules of the index card outperform more complicated financial strategies. Inside is an easy-to-follow action plan that works in good times and bad, giving you the tools, knowledge, and confidence to seize control of your financial life. |
| afc accredited financial counselor: The Wealthy Gardener John Soforic, 2020-02-25 A heartwarming series of stories and practical wisdom on entrepreneurship and wealth in the vein of Rich Dad, Poor Dad, written by a financially independent father for his ambitious son. Soon after he opened his vineyard for business many years ago, the Wealthy Gardener noticed a puzzling fact. Everyone wanted money, but only a few people managed to accumulate it. The reason, he realized, is that most people focus on short term gains instead of achieving lasting wealth. As he grew old and aware of his dwindling time on this Earth, the Wealthy Gardener began to share his hard-earned wisdom with the financially troubled in his community, patiently mentoring those who asked for his practical advice on the ways of prosperity. The parable of the Wealthy Gardener is far more than an admonishment to earn more or spend less; it is about timeless principles. As his lessons reveal, financial freedom is a means to power and control over our lives. Without money, we are subject to the demands and whims of others. With money, we are sheltered from the storm, and we can extend that shelter to our loved ones. Poised to become an intimate financial classic, The Wealthy Gardener will inspire readers to find their own noble purpose and relieve their money worries once and for all. No matter your income level, skillset, or unique economic disadvantages, the lessons in this book will show you the path forward. All you need is the will to work, the desire to succeed, and the motivation to learn. |
| afc accredited financial counselor: Financial Therapy Bradley T. Klontz, Sonya L. Britt, Kristy L. Archuleta, 2014-09-10 Money-related stress dates as far back as concepts of money itself. Formerly it may have waxed and waned in tune with the economy, but today more individuals are experiencing financial mental anguish and self-destructive behavior regardless of bull or bear markets, recessions or boom periods. From a fringe area of psychology, financial therapy has emerged to meet increasingly salient concerns. Financial Therapy is the first full-length guide to the field, bridging theory, practical methods, and a growing cross-disciplinary evidence base to create a framework for improving this crucial aspect of clients' lives. Its contributors identify money-based disorders such as compulsive buying, financial hoarding, and workaholism, and analyze typical early experiences and the resulting mental constructs (money scripts) that drive toxic relationships with money. Clearly relating financial stability to larger therapeutic goals, therapists from varied perspectives offer practical tools for assessment and intervention, advise on cultural and ethical considerations, and provide instructive case studies. A diverse palette of research-based and practice-based models meets monetary mental health issues with well-known treatment approaches, among them: Cognitive-behavioral and solution-focused therapies. Collaborative relationship models. Experiential approaches. Psychodynamic financial therapy. Feminist and humanistic approaches. Stages of change and motivational interviewing in financial therapy. A text that serves to introduce and define the field as well as plan for its future, Financial Therapy is an important investment for professionals in psychotherapy and counseling, family therapy, financial planning, and social policy. |
| afc accredited financial counselor: My Money My Way Kumiko Love, 2022-02-01 Does fear and insecurity keep you from looking at your bank account? Is your financial anxiety holding you captive? You don’t have to stress about money anymore. YOU can take back control. As a newly divorced single mom making $24,000 per year and facing down $77,000 in debt, Kumiko Love worried constantly about money. She saw what other moms had—vacations, birthday parties, a house full of furniture—and felt ashamed that she and her son lived in a small apartment and ate dinner on the floor. Worse, when her feelings began to exhaust her, she binge-shopped, reasoning that she’d feel better after a trip to the mall. On the day she needed to pay for a McDonald’s ice cream cone without her credit card, she had an epiphany: Money is not the problem. Self-Doubt is the problem. Shame is the problem. Guilt is the problem. Society’s expectations for her are the problem. She is the solution. Once she reversed the negative thinking patterns pushing her toward decisions that didn’t serve her values or goals, her financial plan wrote itself. Now, she’s not only living debt-free in her dream home, which she paid for in cash, but she has spread her teachings around the world and helped countless women envision better lives for themselves and their families. Now, building on the lessons she’s taught millions as the founder of The Budget Mom, she shares a step by step plan for taking control back over your financial life—regardless of your level of income or your credit card balance. Through stories from navigating divorce to helping clients thrive through recessions, depression, eviction, layoffs and so much more, you will learn foundational practices such as: How to use your emotions to your financial advantage, instead of letting them control you How to create a budget based on your real life, not a life of self-denial How to create a motivating debt pay-off plan that makes you excited about your future, instead of fearing it My Money My Way will give you the tools to align your emotional health with your financial health—to let go of deprivation and embrace desire. Love’s paradigm-shifting system will teach you how to honor your unique personal values, driving emotions, and particular needs so that you can stop worrying about money and start living a financially fulfilled life. |
| afc accredited financial counselor: Money Letters Jackie Cummings Koski, 2012-11-07 Letters from a mother to her daughter about all things dealing with money and personal finances. It's not about teaching how to make more money, but how to better manage the money you have. Every letter starts with a lesson and ends with love -- Back cover. |
| afc accredited financial counselor: Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life Barbara O'Neill, 2020-07-30 Leaving full-time employment to enter retirement often requires a 180-degree change––in mindset and behavior––from the way you managed your time and money previously. This is especially true for Baby Boomers who may have never experienced adult life without a full-time job and have been practicing the same habits since their 20s. These life transitions can be looked at as if they require “flipping a switch.” Some changes happen suddenly like an on/off switch, while others happen over time like a “dimmer switch”. Some “switches” are voluntary like spending accumulated savings, while some are mandatory like taking required minimum distributions starting at age 72. And to make matters more confusing, there are also lifestyle and social changes to consider as well. Flipping a Switch discusses 35 financial, lifestyle, and social transitions you’ll encounter upon entering retirement, including: • Full-time work to new pastimes • Saving money to spending money • Receiving a paycheck to creating a “paycheck” • Funding retirement savings plans to taking required minimum distribution withdrawals • Accumulating possessions to downsizing Everyone has unique “switches” to flip. Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life offers important information and guidance new retirees need before undertaking their new life. Each chapter includes a “How to Flip This Switch” section with suggested action steps. Nationally known speaker, author, and Certified Financial Planner® Dr. Barbara O’Neill will help you develop a plan to become your best future self. |
| afc accredited financial counselor: Bad with Money Gaby Dunn, 2019-01-01 “Humorous and forthright...[Gaby] Dunn makes facing money issues seem not only palatable but possibly even fun....Dunn’s book delivers.” —Publishers Weekly The beloved writer-comedian expands on his popular podcast with an engaging and empowering financial literacy book for Millennials and Gen Z. In the first episode of his Bad With Money podcast, Gaby Dunn asked patrons at a coffee shop two questions: First, what’s your favorite sex position? Everyone was game to answer, even the barista. Then, she asked how much money was in their bank accounts. People were aghast. “That’s a very personal question,” they insisted. And therein lies the problem. Dunn argues that our inability to speak honestly about money is our #1 barrier to understanding it, leading us to feel alone, ashamed, and anxious, which in turns makes us feel even more overwhelmed by it. In Bad With Money, he reveals the legitimate, systemic reasons behind our feeling of helplessness when it comes to personal finance, demystifying the many signposts on the road to getting our financial sh*t together, like how to choose an insurance plan or buy a car, sign up for a credit card or take out student loans. He speaks directly to her audience, offering advice on how to make that #freelancelyfe work for you, navigate money while you date, and budget without becoming a Nobel-winning economist overnight. Even a topic as notoriously dry as money becomes hilarious and engaging in the hands of Dunn, who weaves his own stories with the perspectives of various comedians, artists, students, and more, arguing that—even without selling our bodies to science or suffering the indignity of snobby thrift shop buyers—we can all start taking control of our financial futures. |
| afc accredited financial counselor: Financial Recovery Karen McCall, 2011-03-21 After healing her own unhealthy relationship with money, and transforming her financial disaster into prosperity and security, Karen McCall created a recovery program she has now used for more than twenty years to help individuals, couples, and businesses large and small. In the midst of her money troubles, she saw a need for something other than financial planners, accountants, and credit counselors. These experts could tell her what she should be doing differently, but she needed someone to help her understand the underlying causes of chronic, self-defeating overspending and credit card debt, underearning, and low or no savings. To save herself, she created practical, holistic tools that address these sources of pain and shame. McCall’s program supports people as they uncover their deep-seated attitudes about money; provides simple, step-by-step tools for healing areas of physical, emotional, and spiritual deprivation; and teaches skills and strategies for experiencing lasting personal and financial fulfillment even in the midst of economic challenges and reversals. |
| afc accredited financial counselor: The Guide to National Professional Certification Programs Philip M. Harris, 2001 The job market continues to change. Highly skilled and specialized workers are in demand. Traditional education cannot meet all the needs to create specialty skill workers. Certification provides up-to-date training and development while promoting individual or professional skills and knowledge in a focused manner. Certification as a way of continuing professional eduction can also be more cost effective. |
| afc accredited financial counselor: The Money Game... and How to Win It Ellen Abramson, 2018-06 |
| afc accredited financial counselor: Mind over Money Brad Klontz, Ted Klontz, 2009-12-29 Do you overspend? Undersave? Keep secrets about money from a spouse or family member? Are you anxious about dealing with your finances? If so, you are not alone. Let's face it–just about all of have complicated, if not downright dysfunctional, relationships with money. As Drs. Brad and Ted Klontz, a father and son team of pioneers in the emerging field of financial psychology explain, our disordered relationships with money aren’t our fault. They don’t stem from a lack of knowledge or a failure of will. Instead, they are a product of subconscious beliefs and thought patterns, rooted in our childhoods, that are so deeply ingrained in us, they shape the way we deal with money our entire adult lives. But we are not powerless. By looking deep into ourselves and our pasts, we can learn to recognize these negative and self-defeating patterns of thinking, and replace them with better, healthier ones. Drawing on their decades of experience helping patients resolve their troubling issues with money, the Klontzes and describe the twelve most common “money disorders” - like financial infidelity, money avoidance, compulsive shopping, financial enabling, and more — and explain how we can learn to identify them, understand their root causes, and ultimately overcome them. So whether you want to learn how to make better financial decision, have more open communication with your spouse or kids about the family finances, or simply be better equipped to deal with the challenges of these tough economic times, this book will help you repair your dysfunctional relationship with money and live a healthier financial life. |
| afc accredited financial counselor: Simple Wealth Holly Morphew, 2021-01-11 End the Shame Cycle of Money and Take Control of Your Life! If you've put off facing your personal finances because you're afraid of what you might discover, worry no more! A beautiful life of confidence, ease, and empowerment when it comes to money is waiting for you, right here, right now. Within these pages, pioneer financial coach and Accredited Financial Counselor(R) Holly Morphew shares her proven system for eliminating debt, building savings, creating wealth, and reaching financial independence-allowing you to live your best and most joyful life, both today and in the future. Whether you are getting a head start or starting late, whether you want to make millions or just live simply with more freedom, this book shows you how to use money as a tool to live life on your own terms. Read on to learn how to: -Gain control over money instead of letting money control you -Cultivate confidence and ease in managing your money -Eliminate debt fast -Forgive yourself for your past money mistakes -Create personal practices that build wealth on autopilot while you live fully -And so much more! |
| afc accredited financial counselor: Earn, Grow, Give Camille Gaines, 2011-09-01 Only you know the changes that you want to make with your money. Get clear on those motives, and you have the foundation for earning, and then growing, your money. It's what you want that money can buy, which is certainly not everything, but it is an awful lot; these are your money reasons. But let's not forget about the giving component of a rich life, which involves your time, talents and financial gifts. Now you've got the ingredients for a truly rich life. This is the book for women who want to gain control of their financial destiny, create a wealth mindset that leads to positive results, or are looking to increase the amount of money in their nest egg while living a life that is purposeful. In practical, relatable language and stories filled with wisdom, Earn, Grow, Give offers a wealth of ways to establish financial freedom-and it gives the inspirational jumpstart you've been wanting. End sleepless nights feeling unsure about your money and replace them with confidence and deliberateness, so that each day you make more conscious and wiser decisions that will lead to the financial peace you want. Start getting better results with your money using simple solutions and lesser known strategies that allow you to get control of your money. Access valuable handouts and use the engaging, yet empowering steps after each chapter to move you to take life changing-action now. Gaines was inspired by early lessons learned from her parents about creating a truly rich life based on priorities and smart money management. She has become a popular money expert by delivering unbiased and empowering information for women seeking financial security and independence, while living a purposeful life, through her online programs. Gaines lives in Austin, Texas with her husband of twenty four years and their yellow lab. They have 2 sons attending college. |
| afc accredited financial counselor: The Healthy Love and Money Way Ed Coambs, 2021-04-02 We learn countless ideas from our families about money. Many of them are caught and not taught. The Healthy Love & Money Way shows how our attitudes about ourselves, relationships, and money evolve from our past experiences and the attachment styles we developed as children. If you are having money fights with your significant other today, those arguments may be connected to unresolved issues from the past or methods of survival that are no longer relevant to present life. Using the latest in love and brain science, as well as anecdotes from his own evolution from an insecure attachment style to a secure one, Ed Coambs shows how healthy love and money can be achieved no matter your starting point. |
| afc accredited financial counselor: Financial Planning and Counseling Scales John E. Grable, Kristy L. Archuleta, R. Roudi Nazarinia Roy, 2010-11-17 The personal, household, and consumer finance field is growing quite rapidly, especially as universities and policy makers see the need for additional research and clinical application in this dynamic area of study. Currently, the profession is advancing towards the stage where professional practice becomes increasingly evidenced-based. Financial Planning and Counseling Scales provides educators, researchers, students, and practitioners with a much needed review of reliable and valid personal assessment scales and instruments that can be used for both research and clinical practice. In addition to presenting actual scales and instruments with applicable psychometric details, the book also includes an overview of measurement issues and psychometric evaluation. |
| afc accredited financial counselor: Her Money Matters Jen Hemphill, 2018-02-08 Personal finance from a different perspective - looking at the missing pieces and mindset issues that cause us to take actions the derail our finances. |
| afc accredited financial counselor: Financially Irresponsible Rahkim Sabree, 2019-12-02 Stop! This book contains strategies and methods considered by most as the antithesis to wealth building best practices. The reader of this text will be placed in a position to look in the mirror and determine whether or not they themselves are financially irresponsible. This books purpose is 2-fold; to empower others with a discussion on mindset, attitudes, and beliefs about money through the authors experiences, and to introduce terms, concepts, and strategies to those who may not have had exposure to financial education in their past but want to empower themselves and others on the journey towards financial mastery. |
| afc accredited financial counselor: Dear Debt Melanie Lockert, 2016-08-12 In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom. Inside Dear Debt you will learn to: • Find the debt repayment strategy most effective for your needs • Avoid spending temptations by knowing your triggers • Replace expensive habits with cheaper alternatives • Become a frugal friend without being rude • Start a side hustle to boost your current income • Negotiate your salary to maximize value • Develop a financial plan for life after debt |
| afc accredited financial counselor: Get WalletWise Ken Remsen, 2021-08 Many personal financial self-help books available today discuss money management basics, but remarkably, the current genre of self-help financial books, overlook predatory financial products, scams and rip-offs that victimize millions of Americans. Get WalletWise instructs the reader how to avoid financial missteps and provide clear money management examples. In addition, my book offers methods to create positive money habits. Every day, millions of Americans struggle to make ends meet because they are providing for their raising kids, caring for elderly parents while saving for their kids' college education and retirement. These families may host adult children living back at home. Families function with little understanding of how to manage their money. Our national school system does not teach financial literacy. The completed manuscript of Get WalletWise encourages a generation of families sandwiched between raising children and caring for aging parents. Get WalletWise helps families whose income and expenses are equal, do not have significant savings, and whose budget is a mess. Bloomberg reports that 50% of Americans have 0 net worth despite living in the most affluent nation in the world. CNBC reports that 40% of Americans cannot cover a $400 emergency expense. According to Forbes, 43% of student loan borrowers are in default and owe, on average, more than $16,000. Ironically, only 42% of college students graduate on time. One- third of American adults have saved $0 for retirement. Get WalletWise teaches readers how to repair their personal finances through tried-and-true money management methods. Get WalletWise releases readers from the habit of keeping up with the Jones's and teaches them how to stop borrowing against their home equity. Readers find alternatives to using pay day loan businesses, pawnshops and other predatory lenders that other self-help finance books don't talk about. |
| afc accredited financial counselor: Financial Risk Tolerance: A Psychometric Review John E. Grable, 2017-06-30 This content provides financial analysts, investment professionals, and financial planners with a review of how financial risk-tolerance tests can and should be evaluated. It begins by clarifying terms related to risk taking and is followed by a broad overview of two important measurement terms: validity and reliability. It concludes with examples for practice. |
| afc accredited financial counselor: The Military Guide to Financial Independence and Retirement Doug Nordman, 2011-06-16 You don't have to pursue another career in government or the corporate world once you leave the military. Indeed, if you understand your key military benefits as well as fine-tune your finances, you should be able to chart a new arid exciting post-military life! That's the central message running throughout this revealing book for servicemembers, veterans, and their families who want to become financially independent prior to committing themselves to full-time retirement and plan accordingly. Semi-retired at age 41 and enjoying life with his family on the beaches of Hawaii, the author outlines how military personnel can become happily semi-retired regardless of their age. Emphasizing the importance of family, lifestyle, and bridge careers, Doug Nordman goes a long Way in providing answers to one of today's most important questions for transitioning military - ôWhat do you want to do with the rest of your life?ö Dispelling numerous myths about military transition, finances, and retirement. He focuses on the two most important inflation-protected benefits military retirees and their families receive and can build upon for creating a financially independent and semi-retired lifestyle: military pension TRICARE health system He shows how to build a sound financial house based upon: military benefits investment portfolios part-time work savings bridge careers frugal living Filled with examples checklists, recommended websites, and a rich collection of appendices that deal with inflation, multiple income streams, and the value of a military, pension, this ground-breaking book is essential reading for anyone contemplating retiring from the military or jump-starting their post-military career in the direction of semi-retirement and/or full-time retirement Book jacket. |
| afc accredited financial counselor: Retirement Statistics , 1934 |
| afc accredited financial counselor: The Four Money Bears Mac Gardner, Mac Gardner Cfp, 2015-03-15 The Four Money Bears have come together to teach young children how to manage their money. The bears show children how to Spend Cautiously, Save Diligently, Invest Wisely, and Give Generously. |
| afc accredited financial counselor: Not Just A Living Mark Henricks, 2003-07-03 As people have come to yearn for more fulfilling and creative work, many are realizing their dreams by leaving the corporate life behind and creating businesses around the things they love. In Not Just a Living, Mark Henricks explores the genesis of this cultural and social phenomenon and offers a comprehensive approach for assessing your own potential, taking the plunge, and building a business that helps you fulfill both personal and professional aspirations. Combining the authority of firsthand experience, colorful and engaging stories from the front lines, and a variety of diagnostic and planning tools, Henricks shows you how to determine whether the entrepreneurial route is right for you, recognize opportunities, overcome obstacles, plan your course, and launch and sustain your business-whether it's a solo venture out of your garage or a multi-million-dollar enterprise. |
| afc accredited financial counselor: Estate Planning 101 Vicki Cook, Amy Blacklock, 2021-08-03 Discover the ins and outs of planning your own or your loved one’s last wishes with this easy-to-understand guide to estate planning. No one likes to talk about death, but being prepared for any unexpected tragedy can help your loved ones navigate your loss more easily in the long run. From creating your advanced medical directives to designating your beneficiaries, estate planning can ensure that your wishes are carried out when you are no longer around. With Estate Planning 101, you can get your affairs in order before any unfortunate incident occurs. This easy-to-understand guide comes with detailed information on what needs to be done to protect your estate. With information on creating a living will, minimizing estate taxes, choosing an executor, and more, you will be prepared for the future, no matter what it brings. Estate Planning 101 offers you step-by-step instructions and checklists to keep you organized for whatever life throws your way. |
| afc accredited financial counselor: Genograms Monica McGoldrick, Randy Gerson, Sylvia Shellenberger, 1999 Widely used by both family therapists and family physicians, the genogram is a graphic way of organizing the mass of information gathered during a family assessment and finding patterns in the family system. This popular text, now updated and expanded, provides a standard method for constructing a genogram, doing a genogram interview, and interpreting the results. Both entertaining and instructive, Genograms is an ideal way to introduce all those involved in family treatment - family therapists, physicians, nurses, social workers, pastoral counselors, and trainees in these fields - to this essential assessment and intervention tool. |
| afc accredited financial counselor: The Financial Wisdom of Ebeneezer Scrooge Ted Klontz, Rick Kahler, Brad Klontz, 2021-11-09 The Money Book That's Making a Buzz … The Today Show, Naomi Judd's New Morning, Dr. Laura, NPR, The Wall St. Journal The Money Book That's Making a Buzz … The Today Show, Naomi Judd's New Morning, Dr. Laura, NPR, The Wall St. Journal The process changed the way I look at everything—my own life, my relationships with others, and my understanding of the world. That is how Wynonna Judd described her work with coauthors Ted and Brad Klontz, using the principles outlined in The Financial Wisdom of Ebenezer Scrooge. As the United States braces for an economic crash, the time-tested Financial Wisdom of Ebenezer Scrooge will help anyone stand on solid financial footing, securing prosperity for themselves and a healthy financial legacy for their family. Almost universally—regardless of income bracket or upbringing—people suffer from the same money affliction, and the real problem isn't money at all. The real problem—and the one that is overlooked in financial planning seminars and glossed over in other wealth-building books—is the relationship people have with their money. For the first time in paperback comes the breakthrough method from noted psychologists Ted and Brad Klontz and financial planner Rick Kahler, which The Wall Street Journal hailed as innovative, combining experiential therapy with nuts-and-bolts financial planning. Their proven method, which was publicized in the American Psychological Association magazine, helps people recognize their dysfunctional mind-sets about money. Mind-sets like It's not nice to talk about money, I'll never have enough money to be secure, I deserve to spend money, and If you are good, the universe will give you what you need. By culling timeless truths from the classic Dickens's tale and combining them with sound financial and psychological principles, the authors give anyone the tools they need to transform their relationship with money and break through their barriers to wealth and financial freedom. |
| afc accredited financial counselor: Money Mammoth Brad Klontz, Edward Horwitz, Ted Klontz, 2020-12-15 A look at the psychological barriers to financial success and how to create a better financial future When it comes to our relationship with money, we are in the Stone Age. Despite the relentless barrage of information and warnings from financial experts, the average American is in terrible financial shape. It turns out that human beings are just not wired to do the right things around money—such as saving and not overspending. That’s why financial success is so difficult to attain. When it comes to our financial instincts, we are no more evolved than our ancestors who hunted the Woolly Mammoth 400,000 years ago. Recent findings from the field of financial psychology could help the many Americans who know what they need to do but just can’t seem to make it happen. If you fall into this category, consider Money Mammoth: Evolve Your Money Mindset and Avoid Financial Extinction. This book looks at financial well-being from a psychological and evolutionary perspective. It reveals the obstacles that prevent people from taking their first critical steps towards financial wellness. It examines how our instincts and beliefs about money influence our financial behaviors. It explores money beliefs, how they develop, and how they drive our money behaviors As the world’s leading experts in financial psychology, authors Dr. Brad Klontz, Dr. Ed Horwitz, and Dr. Ted Klontz can help you: Discover how the experience of your ancestors are impacting your finances Understand how your friends, family members, and tribe may be holding you back Overcome mental roadblocks to wealth and success Harness the power of your emotional brain to transform your relationship with money Build confidence in your ability to take control of your financial future In Money Mammoth, the authors reveal the secrets to harnessing the power of your psychology to reach your financial goals. |
| afc accredited financial counselor: Wired for Wealth Brad Klontz, Ted Klontz, Rick Kahler, 2010-01-01 Neuroscience and money are being bandied about from Wall Street to Main Street, with people realizing that what goes on in their brain directly impacts their bank account. As financial stress mounts and an economic crash looms, the Wired for Wealth authors show that the biggest threat to your financial health is not a recession, it's your mindset. Markets fluctuate but one fact holds true: People's money scripts—the unconscious core beliefs they hold about money—will determine whether they win or lose. With Wired for Wealth, three respected experts explain their proven Money Makeover Program that has helped clients break through excessive debt, financial stress, self-sabotage, money avoidance, and more. |
| afc accredited financial counselor: The Wall Street Journal. Financial Guidebook for New Parents Stacey L. Bradford, 2009-06-02 A practical approach to affording your kids from cradle to college. Bringing home your bouncing baby boy or girl should be an exciting time of celebration–not cause for worry about how you’re going to pay for feeding, clothing, and caring for your new bundle of expenses. The average family will spend between $11,000 and $16,000 during a new baby’s first year, and more than $200,000 before a kid’s eighteenth birthday. Unfortunately, a second child only doubles your costs, with little economy of scale for each additional baby. Before you start using these statistics as birth control, take a deep breath and know that you can have a family and make a comfortable future for your children while saving for your own important goals. The Wall Street Journal Financial Guidebook for New Parents shows you the way, with information on how to: • Safeguard your child’s well-being with wills, trusts, and life insurance • Best weigh your child-care options and decide whether to go back to work • Save on taxes with child-friendly tax credits and deductions plus tax-advantaged benefits at work • Manage your family’s health-care costs • Save for long-term costs by setting up a college fund • Spend smart and save money at every stage of your child’s development • Continue to contribute to your own retirement savings From maternity (and paternity) leave to flexible spending accounts to 529 college plans, The Wall Street Journal Financial Guidebook for New Parents provides all the information you need to meet your child’s expenses while also protecting your family’s financial security. |
| afc accredited financial counselor: Raise Your Credit Score in 10 Easy Steps! Angel Love, 2013-05-11 How to Raise Your Credit Score In 10 Easy Steps is the most informative book you will ever read about credit scores! An Accredited Financial Counselor with an MBA, Angel Love, has helped thousands of military Service Members all over the country learn real strategies to raise their credit scores. Now this information is available to anyone who wants to understand all aspects of the credit score, from the differences between the various scoring models, to how they're calculated. Save hundreds, if not thousands of dollars on the cost of credit by implementing these practical solutions to managing your personal finances today!Learn why you have a different credit score from each of the credit reporting agencies!Find out the one thing that prevents a high score (780) from being an 800!Discover what consistently drops your score by 12-20 points each time you do it!Figure out how to re-build credit after a bankruptcy, or establish credit if you've never had it before!Discover little-known information on accessing your report from the 4th credit bureau, as well as the other agency that collects widely reported information about you!Learn where to get the money to pay off your credit card bills!This book offers complete and concise information on raising your score, and avoiding the things that decrease your score. Learn to think like the credit scoring models and qualify for the most competitive interest rates on houses, cars, and insurance policies. Get this book today and be part of that elite club with 800+ credit scores, enjoying greater financial freedom! |
| afc accredited financial counselor: Couples Coping with Stress Mariana K. Falconier, Ashley K. Randall, Guy Bodenmann, 2016-05-12 This is the first book that reviews both empirical and clinical applications of how couples jointly cope with stress - dyadic coping - around the globe. The Systemic-Transactional Stress Model (STM), developed by co-editor Guy Bodenmann, is used as a consistent framework so readers can better appreciate the contrasts and similarities across the fourteen cultures represented in the book. Written by scholars from the particular culture, each chapter provides a conceptual review of the dyadic coping research conducted in their specific cultures, and also provides empirical and clinical recommendations. Additional contributions include how to measure dyadic coping, so others can apply the STM model in other contexts. The latest treatment approaches for therapy and prevention are also highlighted, making this book ideal for professionals interested in expanding their cultural competence when working with couples from various backgrounds. Highlights include: -How couples in different cultures deal with stress and how values and traditions affect dyadic stress and coping. -Global applications, especially to couples in the regions highlighted in the book -- the U.S (including one chapter on Latino couples in the U.S.)., Australia, China, Greece, Hungary, Italy, Japan, Kenya, Nigeria, Pakistan, Portugal, Romania, and Switzerland. -Factors encountered in examining dyadic coping using the STM Model including measurement and assessment issues. -Suggestions for making treatment, prevention, and intervention programs for couples more effective. Ideal for relationship researchers, psychologists, mental health counselors, social workers, and advanced students who work with couples dealing with stress. This book is also appropriate for advanced courses on interpersonal processes, close relationships, stress and coping, multicultural issues in marriage and family therapy or counseling, or family systems, taught in a variety of social science disciplines. |
| afc accredited financial counselor: Decolonizing Wealth Edgar Villanueva, 2018-10-16 Decolonizing Wealth is a provocative analysis of the dysfunctional colonial dynamics at play in philanthropy and finance. Award-winning philanthropy executive Edgar Villanueva draws from the traditions from the Native way to prescribe the medicine for restoring balance and healing our divides. Though it seems counterintuitive, the philanthropic industry has evolved to mirror colonial structures and reproduces hierarchy, ultimately doing more harm than good. After 14 years in philanthropy, Edgar Villanueva has seen past the field's glamorous, altruistic façade, and into its shadows: the old boy networks, the savior complexes, and the internalized oppression among the “house slaves,” and those select few people of color who gain access. All these funders reflect and perpetuate the same underlying dynamics that divide Us from Them and the haves from have-nots. In equal measure, he denounces the reproduction of systems of oppression while also advocating for an orientation towards justice to open the floodgates for a rising tide that lifts all boats. In the third and final section, Villanueva offers radical provocations to funders and outlines his Seven Steps for Healing. With great compassion—because the Native way is to bring the oppressor into the circle of healing—Villanueva is able to both diagnose the fatal flaws in philanthropy and provide thoughtful solutions to these systemic imbalances. Decolonizing Wealth is a timely and critical book that preaches for mutually assured liberation in which we are all inter-connected. |
| afc accredited financial counselor: Facilitating Financial Health Brad Klontz, Rick Kahler, Ted Klontz, 2008-05 This new guide presents a new model for helping clients achieve balanced and healthy financial lives- called integrated financial planning. It combines the interior, emotional aspects of finance with exterior financial knowledge and provides the advisor with an expanded set of tools for working with clients to create and maintain financial health. Facilitating Financial Health integrates the fields of psychotherapy, coaching, and financial planning, equipping financial professionals with techniques to enhance their effectiveness by working with both the exterior and interior aspects of a client s financial health. Integrated financial planning encourages you to think beyond the traditional boundaries of your practice and to serve clients far more effectively. Includes a Decision Tree with guidelines for deciding when it is appropriate for planners to work with client's interior issues themselves and when it is appropriate to refer clients to or partner with coaches or therapists. Praise for Facilitating Financial Health This is an essential handbook written by some of the most experienced and eloquent experts in the new field of Integrated Financial Planning. Reading Facilitating Financial Health is like taking a multi-day workshop with master facilitators. Each chapter contains fresh insights into client challenges and practical how-to s for facilitating positive change. Susan Bradley, CFP Founder of the Sudden Money Institute Facilitating Financial Health provides the knowledge, tools, and guidelines needed to be a catalyst of positive change. I highly recommend this book. Carol Anderson, M.S. Founder and President, Money Quotient Facilitating Financial Health is a book to help the helpers financial professionals, debt counselors, life coaches and psychotherapists to help their clients. Richard Trachtman, Ph.D. Director, MORE Services for MOney & RElationships If you want to help clients overcome destructive financial habits and dysfunctional belief systems, then this book will be an invaluable resource. A must read for all change agents! David B. Yeske, CFP Past President, Financial Planning Association This is a must read for any professional helping a client on a life or money issue, as these issues are so intertwined. Hugh Massie Author of Financial DNA: Discover Your Unique Financial Personality for a Quality Life No financial planner, money coach, debt counselor, or money therapist should be without this valuable resource. April Lane Benson, Ph.D. Founder, Stopping Overshopping, LLC Klontz, Kahler, and Klontz, regarded as pioneers in the field of money matters, offer us long overdue insights into helping our clients understand and change their self-destructive money behaviors. Courtney Pullen, M.A., LPC CEO, Pullen Consulting An exciting exploration of the interface between two dynamic fields finance and psychology. Pat DeLeon, Ph.D., J.D. Former President, American Psychological Association |
| afc accredited financial counselor: A Field Guide to Ripple Effects Mapping Scott Chazdon, Mary Emery, Debra Hansen, Lorie Higgins, Rebecca Sero, 2017-11 |
| afc accredited financial counselor: Enhancing Retirement Success Rates in the United States Chia-Li Chien, 2020-12-30 This book and the underlying research address the questions: “How successful are U.S. retirees at sustaining assets from retirement to death?” and “What retirement strategies will enhance their ability to live a successful retirement?” Taking a hard look at real-world retirement statistics from multiple government surveys to answer those questions, it calculates the effects of specific strategies on retirement sustainability. It also discusses the background to prior retirement planning research and describes the three research groups used: 1) determining the success rates of the base population considering only social capital annual income and distributions from portfolios of financial assets, 2) adding the strategy of home equity conversion mortgages, and 3) increasing annual income through delayed social security benefit claiming and continuing work after retirement. The book then examines and compares the results for each to determine whose retirement will be most enhanced by the strategies. Lastly, it presents case studies applying research to real-world financial planning cases. |
| afc accredited financial counselor: Student Financial Literacy Dorothy B. Durband, Sonya L. Britt, 2012-03-31 College students are particularly vulnerable to making poor financial decisions. One method of addressing personal finances and financial stress among students of higher education is through university based financial education programs. Student Financial Literacy: Program Development presents effective strategies to assist in the implementation or the enhancement of a program as a tool to improve students’ educational experience and financial well-being. It presents the key components of financial education programs designed to address the growing concerns associated with high levels of debt and low levels of financial literacy among college students. “Student Financial Literacy: Campus-Based Program Development is packed with financial education and counseling information and guidance. It was very difficult to write this review as I wanted to share ALL the excellent direction this book provides... The editors and contributing authors have developed an excellent resource for not only those interested in developing or enhancing a campus-based financial education program but also for anyone involved in financial education, counseling, and planning.” -Rebecca J. Travnichek, Family Financial Education Specialist, University of Missouri Extension Journal of Financial Counseling and Planning |
| afc accredited financial counselor: Communication Essentials for Financial Planners John E. Grable, Joseph W. Goetz, 2017-02-02 Exploring the Human Element of Financial Planning Communication Essentials for Financial Planners tackles the counseling side of practice to help financial planners build more productive client relationships. CFP Board’s third book and first in the Financial Planning Series, Communication Essentials will help you learn how to relate to clients on a more fundamental level, and go beyond hearing their words to really listen and ultimately respond to what they're saying. Expert coverage of body language, active listening, linguistic signals, and more, all based upon academic theory. There is also an accompanied set of videos that showcase both good and bad communication and counseling within a financial planning context. By merging written and experiential learning supplemented by practice assignments, this book provides an ideal resource for any client-facing financial professional as well as any student on their pathway to CFP® certification. Counseling is a central part of a financial planner's practice, and attention to interpersonal communication goes a long way toward progressing in the field; this guide provides practical instruction on the proven techniques that make a good financial planner great. Build client relationships based on honesty and trust Learn to read body language and the words not spoken Master the art of active listening to help your clients feel heard Tailor your communications to suit the individual client's needs The modern financial planning practice is more than just mathematics and statistical analysis—at its heart, it is based on trust, communication, and commitment. While interpersonal skills have always been a critical ingredient for success, only recently has this aspect been given the weight it deserves with its incorporation into the certification process. Communication Essentials for Financial Planners provides gold-standard guidance for certification and beyond. |
| afc accredited financial counselor: Changing Faces – America’s Wealth Advisors James M. Robinson, 2007-03-28 Changing Faces - America's Wealth AdvisorsThe Place for Aspiring and Young Financial Services Professionals i.e. Young In Business |
AFC Candidate Handbook
The AFC ® ®(Accredited Financial Counselor ) designation demonstrates to colleagues, clients, employers, and the public that certified individuals have the knowledge and proficiency …
How To Become An Accredited Financial Counselor (2024)
How To Become An Accredited Financial Counselor: Financial Counseling Dorothy B. Durband,Ryan H. Law,Angela K. Mazzolini,2018-10-16 This text is a valuable new resource …
ACCREDITED FINANCIAL COUNSELOR, CERTIFICATE (1758)
WKU’s Accredited Financial Counselor certificate program is designed to fulfill the educational requirements of the Accredited Financial Counselor® certification, awarded following passage …
Afc Accredited Financial Counselor (PDF) - api.spsnyc.org
paper describes the sociodemographic characteristics of Accredited Financial Counselors reports the non AFC financial counseling designations held by Accredited Financial Counselors and …
Consumer Affairs - Accredited Financial Counselor (Certificate …
The Accredited Financial Counselor (AFC®) Certificate focuses on the knowledge and skills necessary for a career in financial counseling.
Columbus, OH 43210 Accredited Financial Counselor® - Ohio …
Nov 10, 2019 · The Accredited Financial Counselor® provides you with the knowledge and experience to meet individuals and families where they are, helping them build a strong …
Finance (FIN, BFSC, & FCC) - Cincinnati State
take the Accredited Financial Counselor (AFC) exam. The AFC certification demonstrates knowledge and experience needed to help individuals and families build a strong financial …
AFC (Accredited Financial Counselor ) Certification Program
Pass the AFC ® Certification Exam: The AFC certification exam consists of 1 comprehensive exam covering all competencies determined through the most recent AFCPE ® Job Analysis. …
Accredited Financial Counselor Vs Certified Financial Planner …
The choice between an accredited financial counselor vs certified financial planner depends entirely on your individual financial circumstances and goals. If you are struggling with high …
Accredited Financial Counselor Certification (book)
Accredited Financial Counselor Certification: Financial Counseling Dorothy B. Durband,Ryan H. Law,Angela K. Mazzolini,2018-10-16 This text is a valuable new resource that we recommend …
Accredited Financial Counselor: The State of the Designation
This paper describes the sociodemographic characteristics of Accredited Financial Counselors, reports the non-AFC financial counseling designations held by Accredited Financial …
What Is An Accredited Financial Counselor (Download Only)
paper describes the sociodemographic characteristics of Accredited Financial Counselors reports the non AFC financial counseling designations held by Accredited Financial Counselors and...
AFC Exam Guide
What is the AFC? The Accredited Financial Counselor designation is a specialty credential for professionals interested in expanding accessibility to high-quality financial counseling, …
Afc Accredited Financial Counselor (2024) - api.spsnyc.org
our AFC certification program With expertise representing the breadth and depth of the financial counseling profession the content in this text provides you with a rigorous foundation of …
What Is An Accredited Financial Counselor [PDF]
paper describes the sociodemographic characteristics of Accredited Financial Counselors reports the non AFC financial counseling designations held by Accredited Financial Counselors and...
AFC Sample Questions
The Accredited Financial Counselor® (AFC®) exam sample questions are provided to give examples of exam-quality questions. Questions are not intended for assessment purposes and …
Accredited Financial Counselor Afc (Download Only)
from December 2002 to February 2003 This paper describes the sociodemographic characteristics of Accredited Financial Counselors reports the non AFC financial counseling …
AFC Experience Guide
What is the AFC? The Accredited Financial Counselor designation is a specialty credential for professionals interested in expanding accessibility to high-quality financial counseling, …
AFC Candidate Handbook
The AFC ® ®(Accredited Financial Counselor ) designation demonstrates to colleagues, clients, employers, and the public that certified individuals have the knowledge and proficiency …
How To Become An Accredited Financial Counselor (2024)
How To Become An Accredited Financial Counselor: Financial Counseling Dorothy B. Durband,Ryan H. Law,Angela K. Mazzolini,2018-10-16 This text is a valuable new resource …
ACCREDITED FINANCIAL COUNSELOR, CERTIFICATE (1758)
WKU’s Accredited Financial Counselor certificate program is designed to fulfill the educational requirements of the Accredited Financial Counselor® certification, awarded following passage …
Afc Accredited Financial Counselor (PDF) - api.spsnyc.org
paper describes the sociodemographic characteristics of Accredited Financial Counselors reports the non AFC financial counseling designations held by Accredited Financial Counselors and …
Consumer Affairs - Accredited Financial Counselor …
The Accredited Financial Counselor (AFC®) Certificate focuses on the knowledge and skills necessary for a career in financial counseling.
Columbus, OH 43210 Accredited Financial Counselor®
Nov 10, 2019 · The Accredited Financial Counselor® provides you with the knowledge and experience to meet individuals and families where they are, helping them build a strong …
Finance (FIN, BFSC, & FCC) - Cincinnati State
take the Accredited Financial Counselor (AFC) exam. The AFC certification demonstrates knowledge and experience needed to help individuals and families build a strong financial …
AFC (Accredited Financial Counselor ) Certification Program
Pass the AFC ® Certification Exam: The AFC certification exam consists of 1 comprehensive exam covering all competencies determined through the most recent AFCPE ® Job Analysis. …
Accredited Financial Counselor Vs Certified Financial …
The choice between an accredited financial counselor vs certified financial planner depends entirely on your individual financial circumstances and goals. If you are struggling with high …
Accredited Financial Counselor Certification (book)
Accredited Financial Counselor Certification: Financial Counseling Dorothy B. Durband,Ryan H. Law,Angela K. Mazzolini,2018-10-16 This text is a valuable new resource that we recommend …
Accredited Financial Counselor: The State of the …
This paper describes the sociodemographic characteristics of Accredited Financial Counselors, reports the non-AFC financial counseling designations held by Accredited Financial …
What Is An Accredited Financial Counselor (Download Only)
paper describes the sociodemographic characteristics of Accredited Financial Counselors reports the non AFC financial counseling designations held by Accredited Financial Counselors and...
AFC Exam Guide
What is the AFC? The Accredited Financial Counselor designation is a specialty credential for professionals interested in expanding accessibility to high-quality financial counseling, …
Afc Accredited Financial Counselor (2024) - api.spsnyc.org
our AFC certification program With expertise representing the breadth and depth of the financial counseling profession the content in this text provides you with a rigorous foundation of …
What Is An Accredited Financial Counselor [PDF]
paper describes the sociodemographic characteristics of Accredited Financial Counselors reports the non AFC financial counseling designations held by Accredited Financial Counselors and...
AFC Sample Questions
The Accredited Financial Counselor® (AFC®) exam sample questions are provided to give examples of exam-quality questions. Questions are not intended for assessment purposes and …
Accredited Financial Counselor Afc (Download Only)
from December 2002 to February 2003 This paper describes the sociodemographic characteristics of Accredited Financial Counselors reports the non AFC financial counseling …
AFC Experience Guide
What is the AFC? The Accredited Financial Counselor designation is a specialty credential for professionals interested in expanding accessibility to high-quality financial counseling, …
