Osvaldo R. Morales, JD, MSFS, ChFC, CLU

Advanced financial planning for every person and every need: that is the credo of the Chartered Financial Consultant® (ChFC®) designation program. ChFC® covers a must-have list of requirements for financial advisors, from knowledge on tax and retirement planning to special needs advising, wealth management, insurance, and more. If you are looking for financial classes online that will give you a stronger baseline understanding of what it takes to be successful as a financial consultant, ChFC®… Show more

Advanced financial planning for every person and every need: that is the credo of the Chartered Financial Consultant® (ChFC®) designation program. ChFC® covers a must-have list of requirements for financial advisors, from knowledge on tax and retirement planning to special needs advising, wealth management, insurance, and more. If you are looking for financial classes online that will give you a stronger baseline understanding of what it takes to be successful as a financial consultant, ChFC® certifications for financial advisors can help open doors and expand your business while putting you in a position to branch out and take your chartered financial practice to the next level.
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The Master of Science in Financial Services (MSFS) is an accredited degree program with concentrations in Legacy or Retirement Planning available. MSFS provides the tools needed to analyze, plan and implement integrated financial and life strategies.

Learn how to work effectively with high-net-worth clients and how to better integrate ethical considerations into the financial planning process. Become an expert in the wealth accumulation process. Gain a better understanding of how to… Show more

The Master of Science in Financial Services (MSFS) is an accredited degree program with concentrations in Legacy or Retirement Planning available. MSFS provides the tools needed to analyze, plan and implement integrated financial and life strategies.

Learn how to work effectively with high-net-worth clients and how to better integrate ethical considerations into the financial planning process. Become an expert in the wealth accumulation process. Gain a better understanding of how to work with business owners to develop compensation, succession planning and retirement strategies and how to guide individuals in the areas of tax minimization, retirement planning, and estate planning.

Graduates and designees of The American College of Financial Services have studied, passed rigorous exams, and proven that they not only have the technical knowledge to serve their clients, but have sworn to practice ethically and in the best interest of the people they serve. Show less

Life insurance is a vital part of holistic financial planning for both individuals and businesses, with its application as a key part of goal-based planning, business continuity, employee benefits, and estate planning. The CLU® Program offers an in-depth understanding of the practical, legal, and ethical aspects of life insurance and its techniques and tools.

Your learning outcomes for why life insurance is important include:

In-depth knowledge of life insurance concepts and law… Show more

Life insurance is a vital part of holistic financial planning for both individuals and businesses, with its application as a key part of goal-based planning, business continuity, employee benefits, and estate planning. The CLU® Program offers an in-depth understanding of the practical, legal, and ethical aspects of life insurance and its techniques and tools.

Your learning outcomes for why life insurance is important include:

In-depth knowledge of life insurance concepts and law within the context of overall risk management
The necessary knowledge to help clients address their estate planning needs
An understanding of solutions that address the life insurance needs of business owners and professionals, including key person and related employee benefits Show less

Life insurance is a vital part of holistic financial planning for both individuals and businesses, with its application as a key part of goal-based planning, business continuity, employee benefits, and estate planning. The CLU® Program offers an in-depth understanding of the practical, legal, and ethical aspects of life insurance and its techniques and tools.

Your learning outcomes for why life insurance is important include:

In-depth knowledge of life insurance concepts and law… Show more

Life insurance is a vital part of holistic financial planning for both individuals and businesses, with its application as a key part of goal-based planning, business continuity, employee benefits, and estate planning. The CLU® Program offers an in-depth understanding of the practical, legal, and ethical aspects of life insurance and its techniques and tools.

Your learning outcomes for why life insurance is important include:

In-depth knowledge of life insurance concepts and law within the context of overall risk management
The necessary knowledge to help clients address their estate planning needs
An understanding of solutions that address the life insurance needs of business owners and professionals, including key person and related employee benefits Show less

Launched in 1927, the CLU® is the insurance profession’s oldest standard of excellence. Today, it continues to be the premier credential for insurance professionals who want to provide their clients with the security of life insurance and risk management.

CLU® designees know how to serve the diverse needs of their individual and business clients through in-depth insurance knowledge, including expertise on life insurance products, aspects of risk management, the legal aspects of life… Show more

Launched in 1927, the CLU® is the insurance profession’s oldest standard of excellence. Today, it continues to be the premier credential for insurance professionals who want to provide their clients with the security of life insurance and risk management.

CLU® designees know how to serve the diverse needs of their individual and business clients through in-depth insurance knowledge, including expertise on life insurance products, aspects of risk management, the legal aspects of life insurance, and assisting clients in making decisions about estate planning, including various wills and trust arrangements.

106,000 Graduates in the world
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