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Institute
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The Institute



What is the CH.F.C?

The Chartered Financial Consultant (CH.F.C) designation is a financial planning designation that specializes in wealth accumulation and retirement planning. A CH.F.C. designation holder is an expert in retirement planning and capital accumulation strategies.

The CH.F.C. designation is a maintained designation as educational courses for the CH.F.C. designation are currently suspended.

CH.F.C. Maintenance Requirements

CH.F.C. designation holders will be required to complete an annual continuing education (CE) requirement, pay an annual designation licensing fee, and adhere to The Institute's Code of Professional Conduct on an ongoing basis.

  • Individuals who hold the CH.F.C. designation and who also hold the CLU or CHS designation or who are members of Advocis will see no increase in their annual fees or CE requirements.
  • Individuals who wish to continue holding the CH.F.C. designation, but do not fall into one of the Association's existing categories (CLU or CHS designation holder or Advocis member), will be subject to an annual designation licensing fee and CE requirement. The CH.F.C. fee is $95 for the 2019 year with an annual CE requirement of 10 CE credits.
  • Click here for the CH.F.C. renewal application »
CH.F.C. Designation Reinstatement Policy

Designation holders who fail to renew their CH.F.C. designation by January 31 of the licensing year will have forfeited their rights to continue to use the designation mark and will be considered a lapsed designation holder, or not in good standing. For lapsed designation holders applying for reinstatement, continuing education must be completed during the period of a lapsed designation and proof of completed CE must be provided before reinstatement can occur.

Those designation holders who wish to be authorized in order to hold themselves out as an Institute designation-holder will have the opportunity to reinstate their designation with The Institute.

For all CH.F.C. designation holders who apply for reinstatement and who have been absent for three years or less:

  1. Proof of the required continuing education credits taken during that period must be submitted with the application for reinstatement.
  2. Those applying for reinstatement will be required to pay the appropriate administration fees.
For all who apply for reinstatement and who have been absent for more than three years:

  1. Proof of the required continuing education for the three years prior to the application for reinstatement must be submitted.
  2. Those applying for reinstatement may be required to take a challenge or equivalency exam, at the discretion of The Institute and pay any exam and/or administration fees.
Where a designation holder has been terminated or suspended as a result of disciplinary action, the individual's designation and authorization to hold themselves out as having an Institute designation will be reinstated at the discretion of the Board of Trustees once the term of the suspension or termination has passed.

Click here for the CH.F.C. reinstatement application »

All CH.F.C. designation holders will be required to uphold The Institute's Code of Professional Conduct.

View CH.F.C. designation holder FAQ

Code of Professional Conduct (CPC)

Institute designation holders must adhere to the highest standards of professionalism, and abide by a strict Code of Professional Conduct. Allegations of unprofessional conduct are investigated using a disciplinary process based on peer-review principles.

The Institute Code of Professional Conduct (CPC) sets out a list of principles that a designation holder is expected to abide by in his or her business activities, and in his or her liaison between clients and suppliers of insurance, and/or financial products or services.

Explanatory notes also exist to provide a more in-depth explanation of each principle within The Institute Code of Professional Conduct (CPC).

PDF document Download order form – framed Institute Code of Professional Conduct