A Chartered Financial Consultant® (ChFC®) is a financial professional who has completed a specified program of study and meets experience requirements and specific ethical standards established by The American College. Practitioners with this designation are trained to develop and implement comprehensive financial plans for individuals, businesses, and organizations based on demonstrated expertise in multiple areas of financial planning, including income and estate tax, investment planning, risk management, and retirement planning, to objectively assess a client’s current financial status, identify potential problem areas, and recommend appropriate options.