Initial and Ongoing Education: Being an ACSFP Member will provide you with the initial and ongoing education so you can be up-to-date on all the latest strategies in the areas of Advanced Pre and Post Retirement Planning and Asset Protection. Classroom Review/Training and ?CE? Continuing Education Credits: The classroom learning experience combined with our online tools, training, and information available through the ACSFP and this website, makes the ACSFP and the CSFP-Chartered Senior Financial Planner designation unparalleled in the industry. Having our certificate of completion on your office wall, as well as being able to advertise that you?re an ACSFP Member is a sign to all your clients, potential or existing, that you will be able to properly guide them with their Asset Protection, Insurance, and Advanced Pre and Post Retirement Planning strategies. All of our 3-day classroom review courses get submitted for approval to the State Department of Insurance that they are being held in, and in many states, can earn in excess of 20 hours of CE credits. There is no extra charge to you other than your initial sign up fee, which can vary by state. For Example: Our 3-day review course has been previously approved or is currently approved by many State Departments of Insurances for CE credits, as well as the CFP Board: CFP Board (24 hrs), CA (25 hrs), CO (24 hrs), FL (24 hrs), GA (24 hrs), IA (24 hrs), ID (19 hrs), IL (24 hrs), KS (12 hrs), LA (24 hrs), MO (24 hrs), MS (24 hrs), NV (24 hrs), OK (16 hrs), TX (22 hrs), WI (24 hrs).

ACSFP Website, Quarterly News Bulletins, and Home Office Support: In addition to the clout associated with being an ACSFP Member, all active members receive a Login and Password for this website. You will also receive the ACSFP Quarterly News Bulletins, containing current information, new tax laws, relevant legal cases, new and innovative industry products, and general strategies recommended by the ACSFP in the areas of Insurance, Asset Protection, and Advanced Pre and Post Retirement Planning. ACSFP Members can always call our toll free number (866-94-ACSFP) or email (info@acsfp.com) the ACSFP Board to get difficult questions answered from industry leading experts involving Retirement Planning, Insurance, and Asset Protection.

Index Blaster: All active ACSFP Members and all their clients have access to Index Blaster. There is no extra charge to our members or their clients. Index Blaster is a database solution, developed in house by the ACSFP that shows calculations of past performances for the following US Indices: DJIA, S&P 500, Nasdaq 100, Russell 2000, S&P 400 MidCap, and the DOW Euro. Index Blaster also allows you or your clients to generate reports on past index performances or how long premiums or investment funds will last at certain projected interest rates, as well as many other functions. Once logged in to Index Blaster, ACSFP Members and/or their clients have access to information that is not available to the general public. (www.indexblaster.com)

No, the ACSFP is an Educational Organization. When the ACSFP was first established, our very first course advertised that it addressed the needs of people over age 50. However, many that attended our first course informed us that they felt the contents of our review course actually applied to people of all ages. Therefore, our mission was amended in 2003 to include that the use of the word ?Senior? in ACSFP-Chartered Senior Financial Planners does not mean that the ACSFP is a senior citizen organization, nor does it mean our members target ?senior citizens.? As our webpage, course content and printed materials, including our code of ethics, show we do not target senior citizens, nor does the ACSFP teach a curriculum specific to senior citizens. The use of the word ?Senior? implies that our members have been educated in more Advanced Pre and Post Retirement Planning, Insurance and Security products, as well as Asset Protection strategies, not the age of a target client base. Our brochures entitled: ?Why I Became an ACSFP Member? and ?Why I became a CSFP-Chartered Senior Financial Planner, also substantiates this fact. For a free copy of our brochures, please contact us by email at info@acsfp.com or by calling us toll free at 866-94-ACSFP or by fax: (303) 379-6483.

Yes. Since our inception, our website allows any consumer, insurance company, or anyone else, to file a complaint against an ACSFP Member. Our webpage has a specific section dedicated to filing complaints. All complaints are fully investigated and if any ACSFP Member is found to be in violation of the strict code of ethics they have agreed to, then they will be terminated with cause and reported to the proper authorities. In the unlikely event we had to terminate an ACSFP Member for cause, they would also lose all rights associated with being an ACSFP Member. Since our inception in 2003, no ACSFP Member has ever been terminated for cause and we have had thousands of insurance agents and security reps, which might also be Attorneys, CPA?s, Bankers, and Home Office Employees.

First, we would like to applaud the NAIC for finally establishing standards for all ?senior? specific certifications and designations. Our Attorney?s have carefully reviewed the NAIC Model Regulation adopted on September 24, 2008, and based upon the contents of that regulation, the ACSFP feels we not only meet the requirements, but in some areas actually exceed the NAIC guidelines. The NAIC stated that the purpose of this regulation was to set forth standards to protect consumers from misleading and fraudulent marketing practices with respect to the use of senior-specific certifications and professional designations in the solicitation, sale or purchase of, or advice made in connection with, a life insurance or annuity product.

The NAIC Model Regulation of September 24, 2008 Prohibits: (1) The use of Senior Specific Certifications and Professional Designations that implies a level of training the producer does not have. ACSFP Response: All of our active members must comply with our strict screening questions, agree to our contractual terms (including our strict code of ethics), pre-study our ACSFP Manual (which usually takes approximately 125-130 hours), attend our 3-day extensive review course (which runs from 8am?6pm all three days), and pass our supervised closed book exam. Therefore, all active ACSFP Members have been educated (trained) in areas that can assist senior citizens and people of all ages in their Pre and Post Retirement and Financial Planning, as well as Asset Protection strategies. (2.) The use of a designation if is issued by an organization that is primarily engaged in marketing or sales instruction. ACSFP Response: The ACSFP is an Education Organization and is not licensed in the insurance industry nor are we licensed for securities, nor are we a marketing company, nor do we receive over-rides or commissions from our members. (3.) The use of a designation from an organization that does not have procedures for monitoring or disciplining their designees for improper conduct. ACSFP Response: Anyone can file a signed and dated complaint against an ACSFP Member. There is a section on our webpage entitled: ?File a complaint?. All such complaints are fully investigated by the ACSFP and if the member has violated any of our strict contractual terms, they could be terminated with cause and reported to their home State Department of Insurance, the insurance company involved, or their broker dealer. Our webpage has a specific section dedicated to filing complaints. Since our inception in 2003, no ACSFP Member has ever been terminated for cause and we have had thousands of Insurance Agents and Security Reps, which might also be Attorneys, CPA?s, Bankers, and Home Office Employees. (4.) The use of a designation from an organization that does not have reasonable ?CE? Continuing Education requirements. ACSFP Response: The ACSFP requires all members to complete a minimum of sixteen (16) hours of ?CE? every two years. All ?CE? courses must be approved by the member?s home State Department of Insurance, or their broker dealer, or the ACSFP.

Note: The NAIC Model Regulation did not require any number of years of experience before signing up to that organization. ACSFP Response: The ACSFP requires that all candidates have a minimum of two (2) years experience; either have been licensed within the insurance or security industry for two (2) years prior to applying to the ACSFP for membership, or have two (2) years experience working directly or indirectly within the insurance, security, or banking industry. The two (2) year experience requirement is waived if the candidate is a licensed Attorney or CPA. In conclusion: It is our opinion that our study manual and 3-day review course and final exam, meet and in some areas exceed the NAIC Model Regulation regarding ?Senior? Specific Certifications and Designation?s established on September 24, 2008.

The Letter of Opinion from our Attorney states that since our 3-day review course, that all of our members must successfully complete, was pre-approved by their home State Department of Insurance for ?CE? Continuing Educational Credits, they can not prohibit our members from advertising that they have completed our ACSFP State Approved ?CE? Course, or they could be in violation of your 1st Amendment right to advertise and freedom of speech. Therefore, if any State Department of Insurance or other regulatory board prohibits you from using our CSFP-Chartered Senior Financial Planner designation, and as long as you?re in good standing with the ACSFP, we highly suggest you merely state that you?re an ACSFP Member and that you have completed our 3-day review course, which was approved by your home State Department of Insurance. You could also include the course number(s) and number of ?CE? hours accredited, as well as the dates and times attended. Our Attorney?s Letter of Opinion also states that since every insurance company(s) contract or broker dealer agreement we have reviewed, which you must agree to, states directly or indirectly, that you must comply with all State or Municipal Insurance Laws and/or Regulations, in accordance with those contractual terms and guidelines, you would also be able to advertise that you?re an ACSFP Member, as long as you?re in good standing with the ACSFP, and that you have completed our 3-day review course, which was approved by your home State Department of Insurance. You could also include the dates of attendance, course number(s), and number of hours approved. In conclusion, in the event that you are prohibited to advertise regarding the above, please feel free to provide them with a copy of this information, along with the Letter of Opinion from our Attorney, David Burnell Smith dated July 19, 2010.

Yes. We have performed private classes all of the country for large insurance and/or security rep agencies and other insurance related organizations. These are organizations that usually have a captive in-house sales force and want to make sure their agents/reps, are properly trained in all areas that our course outline teaches. We normally require a minimum of 30 agents/reps, and that the employers pay all related costs.

The ACSFP-Association of Chartered Senior Financial Planners, Inc. is an Education Organization, not a marketing company. In the past, when we accepted a corporate sponsor, it greatly reduced the initial cost to our members, which they appreciated. If an insurance company or other related organization desires to apply to be a corporate sponsor, we would take that request under review to make sure all contractual agreements did not put the ACSFP in any category other than an Educational Organization. All requests for corporate sponsorship should be submitted to the ACSFP for prior written approval and acceptance.

Yes! In compliance with our Attorney?s opinion, we have prepared two brochures entitled: Why I Became an ACSFP Member and Why I Became a CSFP-Chartered Senior Financial Planner. Both are displayed on our website.

If you work or sell for an Insurance Company or Broker Dealer that allows you to use our designation, you could use the brochure entitled ?Why I Became a CSFP-Chartered Senior Financial Planner.? If you represent an entity that prohibits you from using our designation, you may use the brochure, ?Why I Became an ACSFP Member.? The ACSFP Member Brochure does not contain any designation nor does it contain our CSFP-Chartered Senior Financial Planner designation. It informs your prospects and existing clients of your relationship with the ACSFP. Please note that both of our brochures are available with three different pictures on the face. Feel free to review them online.

The normal initial charge to attend our 3-day review course in your home state is $499.00, but can vary from State to State. This includes our study manual, refreshments during the 3-day course, ?CE? Credits, certificate of membership once you pass the exam, and membership to Index-Blaster for you and all your clients.

If you reside in a state other than the state you attend our 3-day review class, you will probably get credit for ?CE? hours by your home State Department of Insurance; however, this depends upon (1) If our 3-day review course has been approved by your home State Division of Insurance. (2) If your home state allows you to attend an approved course that is held in another state.

After your first year, the renewal fee(s) is listed below. This fee also includes membership to Index Blaster for you and all your clients, our Quarterly News Bulletins, new ACSFP releases, and being able to get answers to questions regarding Advanced Pre and Post Retirement Planning and Asset Protection strategies.

Renewal Fee(s) You may pay your ACSFP renewal fee online through the ACSFP?s secure website, www.acsfp.com. Mouse over the 'Member Links' menu option and click on the 'Pay ACSFP Renewal Fees' link, then login with your Username and Password. From here you can choose your payment method, credit cards and checks are accepted. Here are the current multi-year renewal fee rates (with discounts):

? 1 Year Renewal - $175.00

? 2 Year Renewal - $280.00 (20% savings ? Special Offer)

? 3 Year Renewal - $367.50 (30% savings ? Special Offer)