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chfc vs cfp

CFP vs ChFC: What Are the Big Differences?

Sophie Macon

22 Sep 2026

CFP, ChFC

Quick summary CFP requires a bachelor's degree plus CFP Board-Registered coursework and a single comprehensive 6-hour exam; ChFC requires only a high school diploma plus 8 courses, each with its own exam Both require 3 years of relevant experience and 30 hours of continuing education every 2 years, but only CFP has a formal fiduciary standard Total CFP certification cost ranges from $4,508-$11,759 (or $2,208-$5,259 accelerated); ChFC's 8-course package costs $6,545, offered only through The American College CFP has broader public recognition; ChFC suits ...