ChFC case studies
ChFC · Put your knowledge to work in context.
The ChFC® - Chartered Financial Consultant® - designation is a financial planning credential offered through The American College of Financial Services. It is built for advisors who want applied, case-based planning skill rather than theory alone, and its curriculum spans financial planning process and environment, insurance and risk management, income taxation for individuals and businesses, retirement planning, investments, and estate and gift planning, plus special needs planning, gift and inheritance planning, business succession, divorce and behavioral finance. The ChFC case studies are 5 cases and about 4,435 words.
1Retiring at 63 With an 82% Equity Portfolio and a Two-Year Health Insurance Gap
Married couple, ages 61 and 59, both still working. Combined salary 138,000.
777 words, about 4 min2The S Corporation Owner Who Wants to Cut His Own Salary
Your client owns 100% of an S corporation consulting practice, which is a specified service trade or business. For 2025 the business will net roughly 520,000 before his W-2 salary, currently 80,000.
859 words, about 4 min3An Uninsurable Partner, an Overfunded Buy-Sell, and a Policy Transferred Twenty Months Ago
Two equal partners own an architectural firm. Partner A is 58 and owns 50%; Partner B is 45 and owns 50%.
956 words, about 5 min4A Cash Balance Plan for a Seven-Person Manufacturer, and a Wife Working Twenty Hours
Your client is 59 and owns 100% of a small manufacturing company organized as an S corporation. His 2025 W-2 wages are 265,000 and net income is projected at 700,000.
906 words, about 5 min5A Missed Portability Election, a Creditor-Exposed Child, and $4.1 Million of IRA
Your client is a 74-year-old widow with two adult children from her first marriage. Her assets: a traditional IRA of 4.1 million, a Roth IRA of 650,000, rental real estate worth 2.7 million with a 900,000 basis, and a brokerage account of 1.8 million with a 700,000 basis, for a total of 9.25 million.
937 words, about 5 min