Developing Appropriate Personal Financial Planning Strategies

CPE Credits
NASBA Category

Experience in financial consulting with clients


Course Description

CPAs are increasingly assisting their clients in developing financial planning strategies when preparing for the many uncertainties of a client’s life. CPAs also find themselves working with other high-level professional advisors to complement the unique and demanding situations in which clients find themselves.

Learn a high-level three-prong approach to guide you in identifying and evaluating a client’s particular situation, determining the weaknesses and exposures that could exist for the client, and helping to implement sound financial planning recommendations to ensure that the client is following a specific, tailor-made financial plan by the CPA.

Advanced topics includes understanding the personal financial planning process and key financial planning disciplines including cash flow management, insurance, investments, retirement, estate, education, niche topics focusing on planning for divorce, closely-held business owners and highly compensated executives, and more!

Join course presenter Jeff Rattiner, CPA, CFP(r) as he identifies a unique approach for providing personal financial planning services, whether you’re performing the tasks yourself or supervising others. Within each discipline, a technical review involving client exposures and recommendations will be discussed. Lastly, he will also help you analyze income tax returns based on the financial planning issues of the client.


Jeff Rattiner, CPA, CFP

Jeffrey H. Rattiner, BBA, CPA, CFP, MBA, is the president of JR Financial Group, Inc., which provides tax, financial planning, and money management services to individuals and financial planning professionals in Centennial, Colorado, and Scottsdale, Arizona. His Financial Planning Fast Track (FPFT) program, which provides professionals with the training necessary to become CFP® certificants, received critical acclaim as the cover story in the December 2001 issue of Financial Planning Magazine. He’s a frequent industry writer and speaker—producing books and CPE courses—and a columnist for Financial Advisor Magazine.

Course Specifics

Course ID
Revision Date
May 4, 2020
Advanced Preparation


Compliance Information

NASBA Provider Number: 103220
IRS Provider Number: 0MYXB
IRS Course Number: 0MYXB-T-01545-20-O
IRS Federal Tax Law Credits: 6
CTEC Provider Number: 2071
CTEC Course Number: 2071-CE-1442
CTEC Federal Tax Law Credits: 6

Learning Objectives

Upon successful completion of this course, participants will be able to:

  • Identify a comprehensive and dynamic financial planning process that can be implemented for clients in any financial situation
  • Determine how to diagnose, evaluate, and propose solutions to client issues
  • Uncover and develop an understanding of personal financial planning and all of its subcomponents
  • Describe how to incorporate tax planning strategies when addressing and evaluating financial planning issues
  • Identify how to analyze, evaluate, navigate, and recommend practical solutions to complex dilemmas
  • Understand the financial planning ramifications when examining Form 1040
  • Learn why insurance is the center of your client’s financial universe
  • Describe the varying risks affecting your clients and implement ways to manage each risk
  • Determine and quantify each type of insurance your client needs
  • Discover which types of retirement plans make the most sense under various scenarios
  • Determine how much retirement funds will be needed to appropriately plan your clients’ financial future
  • Determine the most appropriate strategies for working through your clients’ estate planning issues