CFP® Module 5 — Integrated Financial Planning (Capstone)

About this course

The capstone case-study module. A complete financial plan from cash-flow analysis to estate transfer, integrating every prior specialist domain. Required for full CFP® certification.

1. 1

   Module 5.1

   Process overview

   • The six steps from FPSB
   • Documentation discipline and engagement letters
2. 2

   Module 5.2

   Data gathering and analysis

   • Cash flow, balance sheet, ratios
   • Goals, time horizons, risk profile
3. 3

   Module 5.3

   Strategy formulation

   • Trade-offs between goals
   • Allocation across the six planning domains
4. 4

   Module 5.4

   Plan presentation

   • Structure of the written plan
   • Communicating to varied client sophistication
5. 5

   Module 5.5

   Implementation

   • Sequencing — what to do first, second, third
   • Operational touchpoints — KYC, account opens, switches
6. 6

   Module 5.6

   Monitoring and review

   • Annual and event-driven reviews
   • Regulatory and life-event triggers
7. 7

   Module 5.7

   Case study A — Young salaried professional

   • Aged 25-30, single, just-began-investing
   • Full plan, IPS, three-year roadmap
8. 8

   Module 5.8

   Case study B — Mid-career family with children

   • Aged 38-45, dual-income, education and house goals
   • Full plan with risk-management depth
9. 9

   Module 5.9

   Case study C — Pre-retiree HNW

   • Aged 55-62, transition to drawdown, estate
   • Full plan with estate and trust considerations
10. 10

    Module 5.10

    Ethics and ongoing professional duty

    • FPSB Code of Ethics
    • Continuing education and supervisory framework