CFP (Certified Financial Planner)
The dominant US retail financial planning credential; required de facto by major wealth platforms (Schwab, Fidelity Wealth, RIAs) and the strongest career signal for direct-to-consumer planning.
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Sitio web oficial →Fundado
1973
Sede
Washington, DC, USA
Público objetivo
US-based personal financial advisors, wealth managers, and financial planners providing comprehensive planning to retail clients.
Características principales
- Single 170-question, 6-hour CBT exam administered 3 times per year
- Curriculum spans general principles of financial planning, education planning, risk management, investment planning, tax planning, retirement planning, estate planning, psychology of financial planning
- Pass rate: ~62-67% first-attempt (CFP Board 2024 disclosures)
- Fiduciary standard — CFPs are required to act in client's best interest (formalized in CFP Board Code & Standards 2019)
- Required: bachelor's degree, CFP Board-registered education program, 6,000 hours of professional experience (or 4,000 hours via apprenticeship)
- 30 hours of continuing education every 2 years (including 2 hours of Ethics)
- ~100,000+ CFP professionals in the US (as of 2025)
Cómo obtener esta certificación
Prerrequisitos
Bachelor's degree, completion of CFP Board-registered education program covering 7 principal knowledge topics, 6,000 hours of relevant professional experience (or 4,000-hour apprenticeship path), background check.
Por qué certificarse — ROI
Impacto salarial
CFP professionals earn a $20,000–$50,000 premium versus non-CFP advisors (Kitces.com 2024 Adviser Income Survey; Cerulli Associates Wealth Channel Report). Median US CFP total compensation: $130,000-$165,000.
Beneficios profesionales
- Lo que la distingue
- The dominant US retail financial planning credential; required de facto by major wealth platforms (Schwab, Fidelity Wealth, RIAs) and the strongest career signal for direct-to-consumer planning.
- Reconocimiento del sector
- CFP Board proprietary; recognized by FINRA, SEC, state insurance regulators, and major wealth platforms.
Quién debería obtener esta certificación
Ideal para:
- US-based personal financial advisors
- wealth managers
- and financial planners providing comprehensive planning to retail clients.
Considere alternativas si:
- US-only recognition (FPSB administers equivalents in other countries, but US CFP doesn't transfer cleanly)
- Not useful for institutional or buy-side investment roles — CFA covers that ground better
Cómo mantener esta certificación
- Ciclo de renovación:
- 2 años
Precios
Los precios varían.
Debilidades
- US-only recognition (FPSB administers equivalents in other countries, but US CFP doesn't transfer cleanly)
- Not useful for institutional or buy-side investment roles — CFA covers that ground better
- Education prerequisite adds cost & 1-2 years of part-time study before exam eligibility
- Heavy fee burden over career: $455/year certification fee + biennial $400-600 CE costs
Mercados disponibles
US
Aviso: esta página contiene enlaces de afiliados.
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