Credentials & Designations RFS is one of the most skilled firms in the industry, and its team has been helping clients with their planning needs since 1976. Our reputation with life and health insurance companies is extremely high, giving us access to several options and alternatives for our clients.All new associates go through strenuous, continuing education to ensure they remain current and possess a deep understanding of the financial marketplace. Our founder, Mickey Rosenzweig, has instilled the importance of pursuing knowledge and professional credentials. He is currently the Vice Chairman of the Foundation Board of the American College. Industry Designations:CFP®:Certified Financial Planner®CFP® professionals have completed extensive training and experience requirements and are held to rigorous ethical standards. They understand the complexities of the changing financial climate, and can bring all the pieces of a financial planning program together in a comprehensive way. CLU®: Chartered Life Underwriter®A Chartered Life Underwriter® has earned the premier credential in the insurance profession, completing eight or more comprehensive college-level courses covering all aspects of insurance planning, estate and retirement issues, taxation, business insurance, and risk management. For more than 80 years consumers have trusted this mark, which is conferred by The American College, a non-profit educator with one of the highest levels of accreditation.The average study time for the program is over 400 hours and can take years to earn. Each CLU® must meet a continuing education minimum every two years, adhere to strict ethical standards, and meet extensive experience requirements, ensuring the knowledge you're counting on is both comprehensive and current. ChFC®:Chartered Financial Consultant®Advanced Financial PlanningA Chartered Financial Consultant® has completed one of the most extensive educational program required for any financial services credential. Each ChFC® has taken nine or more college-level courses on numerous aspects of financial planning from The American College, a non-profit educator with one of the highest levels of academic accreditation.The average study time for the program is over 400 hours, and advisors frequently spend years earning this coveted distinction. Each ChFC® must meet a continuing education minimum every two years, adhere to strict ethical standards, and meet extensive experience requirements to ensure that you get the professional financial advice you need.RHU®:Registered Health Underwriter. The Registered Health Underwriter designation formerly offered by The American College of Financial Services, demonstrated that the individual successfully completed a rigorous three course program that focuses on the needs in the health insurance marketplace. LUTCF:Life Underwriter Training Council Fellow℠. The LUTCF designation formerly offered by the National Association of Insurance and Financial Advisors (NAIFA) and The American College for Financial Planning®. It is designed to help new financial advisors offer more comprehensive financial advice. REBC®: Registered Employee Benefits Consultant®A Registered Employee Benefits Consultant® has a thorough understanding of pensions and retirement planning, group medical plans, long-term care, executive compensation, and personnel management, making them an ideal solution for small and large business needs. AEP®: Accredited Estate Planner®Offered by the National Association of Estate Planners & Councils, in conjunction with The American College of Financial Services, this designation is available to professionals who meet requirements of education, experience, knowledge, professional reputation and character. FSCP®: Financial Services Certified ProfessionalA Financial Services Certified Professional® has established themselves as someone clients can trust. They have proven themselves to be a reliable and knowledgeable representative of their clients by understanding the financial life cycle, the financial planning process, professional standards, and the building blocks of how to establish a successful business in financial services. RICP®: Retirement Income Certified ProfessionalA Retirement Income Certified Professional® has demonstrated an intricate knowledge of how and why to transition clients into retirement. After years of accumulating assets, clients now need to navigate the tumultuous waters of retirement. An RICP® can provide the strategy to help make the most of a client’s post-professional life. MSFS: Master of Science in Financial ServicesThe Science of PlanningA graduate with a Master of Science in Financial Services has demonstrated a mastery of knowledge in the wealth accumulation process. He or she is able to work with business owners to develop compensation, succession planning and retirement strategies; better integrate ethical considerations into the financial planning process; guide individuals in the areas of tax minimization, retirement planning, and estate planning; and apply innovative methods when planning with clients. PhD: PhD in Financial and Retirement PlanningTheory and ResearchThe PhD in Financial and Retirement Planning from The American College is the only doctoral program that awards a degree with an emphasis on retirement planning. The PhD in Financial and Retirement Planning provides a comprehensive curriculum that is both relevant and timely, sought after by the most advanced financial services practitioners. CPCU®: Chartered Property Casualty Underwriter A Chartered Property Casualty Underwriter is an insurance professional who has earned the CPCU designation; a designation conferred by The Institutes. CPCU's are considered to be property-casualty insurance subject matter experts. The American College of Financial ServicesTHE LEADING PROVIDER OF FINANCIAL EDUCATIONThe American College is a nonprofit educational institution with one of the highest levels of academic accreditation, dedicated to leadership in innovative training and development for financial services firms and professionals.The College is distinguished by resources of the highest quality, innovation in program design and delivery, and results that can create sustainable advantages for our students,their organizations, and their clients.