Welcome to the profession of personal finance. As a newly certified individual, you’ll find that emerging knowledge and best practices are constantly evolving. As a professional, it will be critical to remain informed about changes in the field.

To ensure the integrity of all professionals in our field, renewal of certification is required once every two years, beginning one year after your certification has been issued. Your responsibility as a renewing certificant will be to:

  • Demonstrate reinforcement and expansion of a full spectrum of personal finance and counseling knowledge and skills
  • Participate in ongoing professional development activities and lifelong learning
  • Engage in continuing education and professional activities that expand learning opportunities and promote competency
  • Record your achievements as they are experienced

Annual Certification Fees

Annual fees* are due each year on January 3. You have the option of a two-year pre-payment that locks in the current rate (maximum two-year payment only). Professionals who are dual certified pay one annual certification fee.

*Annual Certification Fees and any Continue Education Program paid through AFCPE® are non-refundable.

Certification Fees Required Each Year

AFC®

$55

FFC®

$55

APFCTM

$55

Late Fees: A grace period is available until January 31. Late fees will be incurred for each month that an annual fee is not paid. After six months of non-payment, your certification will be revoked.

Certification Reporting Requirements

The certification reporting period is two full calendar years, specifically one even year and one odd year. Certification may be obtained at different times during a reporting period. Professionals who are dual certified obtain 30 CEUs in total.

CEUs Required Every 2 Years

AFC®

30

FFC®

30

APFCTM

30

AFCC®

30

Requirements Based On Your Inaugural Reporting Period

Even Year
If you become certified during the first half of the reporting period or “the even year
 
One-half of your designation’s CEUs will be due for your inaugural reporting period.
Odd Year
If you become certified during the second half of the reporting period or “the odd year
 
No CEUs will be due for your inaugural reporting period.

Subsequent Reporting Periods

Full CEUs required

Note: If you fail to maintain your credential by reporting the required CEUs during the two-year reporting period, your status will be listed as “lapsed” for a maximum period of six months with an approved extension application. You must pay extension fees and obtain the required number of CEUs in order to reinstate your credential within the extension period. If you do not comply with the reinstatement requirements within the maximum period of six months, the Certification Council will revoke the credential.

Earning Additional Post-Certification Credentials (Transition)

There are specific CEU requirements for AFCPE® certified professionals adding AFCPE® certifications.

If you are an AFC® earning your FFC®

The total number of CEUs required remains the same as for your previous certification
 
Now 5 of your total CEUs must be financially coaching related

Subsequent Reporting Periods

5 CEUs of your requirement must relate to financial coaching

If you are an AFC® earning your APFCTM

The total number of CEUs required remains the same as for your previous certification
 
Now 10 of your total CEUs must be financially coaching related

Subsequent Reporting Periods

10 CEUs of your requirement must relate to financial coaching

Accepted CEU Activity Types and Requirements

Programs must pertain to personal finance subject matter, must enhance your ability and expertise, and must meet the requirements of your certification. 

Examples of Accepted Subject Matter:

  • Behavioral Training
  • Budgeting
  • Counseling Theory
  • Credit
  • Debt Management
  • Education Theory and Skill Development
  • Estate Planning / Retirement
 
  • Financial Coaching
  • Financial Practice and Business
  • Insurance
  • Housing
  • Ethics*
  • Tax

Note: The only required category is Ethics*. Certified professionals are required to earn 2 Ethics related CEUs per reporting period.

CEU Type, Activity, and CEU Credits Allowed

Ethics

Activity

Ethics or practice standards training

CEU Credits Allowed

REQUIRED: 2 CEUs per reporting period

AFCPE® Annual Symposium and Pre-Conference

Activity

Live Stream
or recording

CEU Credits Allowed

Based on available programming

Presenter

5 CEUs/year

Attendee

15 CEUs/year

Non-AFCPE® conferences or local professional financial training

Activity

Attendee

CEU Credits Allowed

Varies.

On-the-Job Training

Activity

Personal finance workplace training that enhances knowledge or skills as an AFCPE® Certificant (policy and field updates on topics such as credit, debt, retirement, etc.)

Training regarding an organization’s operations, policies and procedures do not apply.

CEU Credits Allowed

Varies. Based on contact hours. First time training only.

Webinars

Activity

Participate in web-based financial trainings with instructor

CEU Credits Allowed

Varies. Based on hours and content.

Research and Publishing

Activity

Publish article for AFCPE® blog or on reputable national, regional, or military publication. 
Submission Guidelines
Editor Contact: Rachael DeLeon

CEU Credits Allowed

Varies. Based on content. Up to 3 CEUs per article.

Publish a research journal article on a personal finance topic 
Submission Guidelines
Editor Contact: Jing Jian Xiao

Varies. Based on content. Between 3-5 CEUs per article.

Publish a newsletter article or book review in The Standard quarterly newsletter. 
Submission Guidelines​
Editor Contact: Jill Ladouceur

Varies. Based on content. Between 3-5 CEUs per article.

AFCPE® Member Opportunities

Activity

AFCPE® Journal Reviewer

CEU Credits Allowed

3 CEUs/year

Journal of Financial Counseling and Planning (JFCP) Quiz

2 CEUs/quiz

AFCPE® Reviewer (symposium submission, awards, military spouse fellowship applications, scholarships)

2 CEUs/review period

Education

Activity

College-level personal finance, financial counseling or education course (completed)

CEU Credits Allowed

Varies.

Self-guided training program with established coursework that includes a measurable evaluation of comprehension and continued learning

Instruction

Activity

Lead an AFCPE® webinar session on a financial topic (develop and present)

CEU Credits Allowed

Varies. Based on contact hours, content and prep.

Develop new financial education curriculum

Teach a new personal finance or financial counseling course or workshop (not within job description)

Professional Designations

Activity

AFCPE® certifications

CEU Credits Allowed

AFC® adding FFC®

6 CEUs

Outside professional designations

Adding CFP® ChFC®, CPA®, CFA®: 10 CEUs

Approval Process and Forms

All forms are available at myAFCPE. CEU approval forms are not required until after your certification is completed and official. You may submit your approval forms before or after the requested program; however, approvals do require proof of participation for CEU credit. Please use separate approval forms for each program.

Individual Approval Process

  • Request CEUs using the Individual CEU form at myAFCPE.
  • AFCPE® will review and accept or deny your request via email within seven days. You are responsible for retaining documentation of the request and the response for your records.
  • If you receive pre-approval, you must then submit verification of your participation.
  • All CEU approval requests must be submitted within six months of program completion.

Note: If you are attending a conference that is not pre-approved, please submit a conference agenda and a list of all the sessions you will attend.

 

Group Approval Process

For more information about group approval and/or listing your program on our calendar, please visit the CEU Providers page. 

We can help. Submit questions to ceu@afcpe.org.

Quarterly reports are sent via email to each certified professional for the current reporting period. The report includes a summary of your CEU records.

The AFCPE® office may randomly select CEU reports for audit each reporting period.

An audited certificant will be asked to submit proof of attendance and, if pre-approval was requested and granted, the CEU approval form or notice provided by the AFCPE® office.

Certificants are required to keep proper records and documentation.  

If annual fees and CEU requirements are not met, and an extension request has not been submitted and approved, the credential will be revoked and re-certification will be required. Review the Certification Reinstatement Policy, to learn more about your options for recertification.

Trademark User Guidelines

AFCPE®’s certification marks represent the highest standards of excellence in the field of financial counseling and are valuable assets of AFCPE®. Professionals authorized by AFCPE® to use its certification marks benefit from both our long history of high ethical and educational standards and the public recognition of AFCPE®’s certification marks as symbols of professional accomplishment. Please help uphold the value of the trademarks by adhering to strict use and reproduction guidelines.

Reinstatement of AFC® Certification

 

An individual may request reinstatement of AFC® certification after voluntary relinquishment, or failure to renew within 180 days of certification expiration, by submitting an extension request and paying a non-refundable $200 reinstatement fee.

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