ChFC HS 333 case studies
ChFC HS 333 · Put your knowledge to work in context.
HS 333, Personal Financial Planning: Comprehensive Case Analysis, is the capstone case-study course in the ChFC® program from The American College of Financial Services. It is not a standalone certification; it is one of eight required courses, and it is also the final course in the CFP® Certification Education Program. The ChFC HS 333 case studies are 5 cases and about 2,590 words.
1Conflicting Goals and a Legacy Variable Annuity
Married couple, ages 52 and 49, have 1.2 million investable: 650,000 in a variable annuity bought three years ago inside a 7-year surrender schedule, 300,000 in his 401(k), and 250,000 taxable. They earn 210,000, save 30,000 annually, carry a 450,000 mortgage at 5.25%, and support her mother at 18,000/year.
520 words, about 3 min2Disability Buyout Funding Gap in a Dental Practice
Two equal owners of a dental practice, ages 57 and 54, have a buy-sell agreement valuing the practice at 4 million. Each owns a 2 million disability buyout policy with a 365-day elimination period, a 24-month payout, and a 100% ownership trigger.
518 words, about 3 min3Rental Conversion, Depreciation Recapture, and an Installment Sale
Single taxpayer, age 58, bought a house in 2005 for 400,000 and lived in it until 2019, when she moved to an apartment and rented the house. She claimed 120,000 of depreciation through 2024.
512 words, about 3 min4Concentrated Low-Basis Stock and Charitable Intent
Client, age 62, has 6 million net worth, including 2.5 million of employer stock with a 300,000 basis. The stock is 42% of her liquid portfolio and has doubled in four years.
486 words, about 2 min5Blended-Family Estate With IRA and Life Insurance
Second marriage: he is 68, she is 65. He has 12 million: 4 million IRA, 3 million brokerage, 2 million residence, and 3 million life insurance owned by him.
554 words, about 3 min