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Graduate Certificate in Financial Planning

  • Progress your skills in the finance industry with this Graduate Certificate in Financial Planning
  • Learn the fundamentals of financial planning, including the latest concepts & techniques
  • Study at your own pace & fit your study around your work

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At a glance

Study mode

laptop
Online

Provider

Kaplan Professional – Financial Courses (RTO 90116)
Career Opportunities
Recognition

Nationally recognised - meets Australian Qualifications Framework standards.

Prerequisites
  • An undergraduate degree or graduate certificate; OR
  • A related advanced diploma or diploma; OR
  • An unrelated advanced diploma or diploma plus two years of related industry experience; OR
  • Academic and/or professional qualifications demonstrating the potential to undertake study at this level
Location

Online

Course length
12 week-based delivery. Maximum time for course completion: 3 years
Study mode

Online


Online

Study from anywhere, when it suits you best and graduate with the identical qualification as an on-campus student.

Blended

Study part of the course online. Combine your online learning with classes or practical sessions on-campus at a college or university.

In-class

Attend classes on-campus at a university, TAFE or college and interact face-to-face with teachers and fellow students.

Assessment
Assignments & exams
Start date

6 intakes per year.

Provider
Kaplan Professional – Financial Courses (RTO 90116)

Get the best possible start to a career in finance through Kaplan Professional, the preferred education partner of the Financial Services Institute of Australia (FINSIA).

With flexible start dates and study methods, Kaplan allows you start your course at a time that suits you so you can study as little or as much as you like.

Kaplan Education Pty Ltd (RTO 90116) trading as Kaplan Professional

Price

The course price can vary depending on a few factors, including whether you are an Australian resident or your chosen payment option. To find out more, contact the course provider.

Prerequisites

To qualify for this course, you must have one or more of the following:

  • An undergraduate degree; OR
  • A related advanced diploma or diploma deemed acceptable to Kaplan Professional; OR
  • An unrelated advanced diploma or diploma plus 2 years' related industry experience; OR
  • Academic or professional qualifications demonstrating potential to undertake study at this level

What you'll learn

This graduate certificate will help provide you with the foundation skills for a role in financial planning.

You'll gain the knowledge and expertise required to operate in an increasingly competitive environment, learning the latest concepts, techniques and skills used by financial professionals in today’s leading institutions.

Course structure

4 units

Core units

  1. FPC002 - Applied financial planning


    This subject focuses on the realities faced by a financial adviser working in the Australian advice industry. Topics 1–8 will provide the foundation necessary for giving advice. Topics 9–12 build upon this basic knowledge and show its practical application in advice giving.

    Comprehensive coverage of the main asset classes and managed investments includes how these investment products are used in financial planning.

    The subject also covers basic practical and personal skills necessary to establish and maintain client relationships and examines the advice process in depth, including how to develop and implement a portfolio to suit a client’s investment objectives in light of risk–return trade-offs, other considerations such as tax issues and the legal and administrative frameworks supporting the industry and its products and services.

    Also included are a series of case studies and applications to help demonstrate the planning and development of investment strategies and client portfolios in line with a client’s stated objectives.

    An understanding of the economic, legal and ethical contexts of financial planning is recommended knowledge for this subject. It is therefore recommended that students complete Economic, Legal and Ethical context for Financial Planning (FPC001) prior to undertaking this subject.

    Note: A basic understanding of financial mathematics is assumed knowledge for this subject. Students may wish to familiarise themselves with some basic concepts outlined in the resource below before commencing the subject. At the completion of this subject students should be able to:

    1. Apply techniques to establish and develop client relationships. 
    2. Compare the key features and risks of each asset class and the products within that asset class. 
    3. Analyse various types of managed investments and administrative structures. 
    4. Conduct appropriate quantitative and qualitative research as part of the financial planning process. 
    5. Assess clients’ goals and financial position to form the basis of advice. 
    6. Design a suitable asset allocation and investment strategy for a client. 
    7. Present recommendations of suitable products and strategies that you have developed. 
    8. Apply the financial planning process to ensure clients’ objectives and needs are met.
  2. FPC001 - Economic legal & ethical context for financial planning


    This core subject provides an overview of key economic concepts. It focuses on economic issues of current relevance and develops the ability to interpret basic economic information and understand the impact of current economic and market events.

    The subject also introduces students to the key drivers of law and regulation in the Australian financial services industry to enable them to appreciate the critical role that law, regulation and ethics play in wealth management and financial planning.

    There is no prescribed textbook for this subject.

    The following textbook is recommended as a resource to develop a strong foundation for the Master of Financial Planning course. It can be purchased through recommended bookshops listed on the library page.

    At the completion of this subject students should be able to:

    1. Explore the role of intermediaries in financial markets. 
    2. Explain the impact of current issues and key economic and financial indicators on the Australian and global financial markets. 
    3. Analyse the impact of government and monetary policy on the Australian financial markets. 
    4. Examine some of the major issues currently facing the financial planning industry in Australia 
    5. Explore the main sources of Law and the regulatory structure of Financial services law in Australia. 
    6. Explain the various obligations imposed on participants by financial services legislation. 
    7. Demonstrate an understanding of codes of practice applicable to the financial planning profession. 
    8. Apply ethical values and principles and relevant legislation to various scenarios.
  3. FPC003 - Superannuation & retirement advice


    Building on the fundamentals of financial planning undertaken in Applied Financial Planning (FPC002) or equivalent, this subject provides a comprehensive overview of issues relating to superannuation and retirement planning.

    The subject addresses the different aspects of superannuation including contributions, benefits and income streams, as well as how superannuation is treated in death, divorce and bankruptcy. Retirement savings accounts, retail funds, industry funds, self managed superannuation funds, aged care and equity release schemes are also covered.

    The subject covers the formulation of a statement of advice (SOA), concentrating on how to structure the various required elements and providing recommendations.

    Relevant legal and regulatory requirements are detailed, along with examples and strategies that financial advisers can use to benefit their clients.

    Prescribed text: There is no prescribed text for this subject. Students will be provided with key readings and access to Kaplan’s online data bases. Students are encouraged to research and read widely on the topic.

    At the completion of this subject students should be able to:

    1. Analyse superannuation structures and strategies for various client situations. 
    2. Explain the taxation implications of superannuation strategies for contribution, withdrawal and insurance at the fund level. 
    3. Analyse superannuation retirement income stream strategies according to their benefits, tax implications and social security treatment as they relate to different client situations. 
    4. Formulate strategies to maximise superannuation benefits and clients’ entitlements to social security benefits and aged care. 
    5. Discuss the advantages and disadvantages of equity release schemes as a source of retirement income. 
    6. Design superannuation strategies in respect of divorce, bankruptcy and death benefits. 
    7. Develop a compliant statement of advice (SOA).
  4. FPC004 - Insurance Advice


    This subject focuses comprehensively on the personal and business risk insurance market in Australia. It examines the design and structure of a range of personal, business and general insurance products.

    The subject is designed to build advice capability in risk management strategies for retail clients and small businesses.

    This subject covers basic practical and personal skills necessary to establish and maintain client relationships.

    At the completion of this subject students should be able to:

    1. Identify, analyse and evaluate personal and small business risks 
    2. Describe and differentiate the features of the various types of personal and business insurance products, including related policy documentation and taxation issues 
    3. Develop and implement personal and small business risk management strategies using a range of general and life insurance policies 
    4. Undertake your duties giving consideration to ethics and the legal and regulatory responsibilities owed by you and your organisation to your clients and other stakeholders 
    5. Evaluate contemporary issues in insurance advice

Support and delivery

Articulation

The Graduate Certificate in Financial Planning is the first step in Kaplan Professional's postgraduate financial planning studies.

Upon completion of this course, you can proceed to the next stage - the Graduate Diploma of Financial Planning, which in turn articulates into the Master of Financial Planning course.

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