The 7 Top CFP Programs Online 2025

According to the U.S. Bureau of Labor Statistics, the personal financial advisors industry is expected to grow by 17%, which is much higher than the national average. Those looking to obtain a Certified Financial Planner® (CFP) role will typically need a bachelor's degree and certification.

The best online certificates provide financial planning certification classes help you meet educational requirements and prepare you for any other exam requirements for professional certification. Some free online CFP certificates may be available; however, students should look for those offered by accredited institutions offering robust coursework. Below, we explore top certificate programs for aspiring certified financial planners.

Best Online Certified Financial Planner Programs

While there may be some free online CFP certificates, the best ones are from accredited institutions that can prepare students to earn CFP certification. Keep reading to discover the top online certificate programs available.

1. Wake Forest University

Wake Forest University has partnered with Dalton Education to provide a CFP certificate program. Students earn the necessary course credits to attain CFP certification.

Experts teach a comprehensive curriculum, ensuring graduates are ready for the CFP certification examination. The courses are fully online and allow for flexible studying times.

2. Utah Valley University

Utah Valley University offers a CFP program for online learners. During this certificate program, students earn the educational requirements necessary to sit for the CFP exam.

The courseload is flexible and designed to fit busy lifestyles. Students who pass every course will receive a certificate from the university.

3. Texas A&M University

Students pursuing CFP certification can enroll in Texas A&M University's program to fulfill the education requirements. The coursework is flexible as it can be completed online or in person.

Students learn real-life perspectives and problem-solving skills in courses taught by industry experts. Some of the courses in the program include:

• estate planning
• tax planning
• investment and portfolio management
• insurance and risk management

4. Florida State University

The Florida State University non-degree certificate program can help aspiring CFP professionals reach their career goals. The certificate program offers a traditional or fast-track program that may be completed in under one year.

Students prepare for the CFP certification by taking courses, such as a retirement planning class and income tax planning class. The online courseload is self-paced; however, instructors answer questions and offer support as needed.

5. California Lutheran University

California Lutheran University offers a CFP certificate program fully online. Through this program, students gain the knowledge to take the CFP exam.

Courses are taught by knowledgeable faculty members and cover subjects like employee benefits and retirement planning. By taking one course per term, students may complete the program in 18 months.

6. University of Missouri

The University of Missouri offers a fully online certificate program for students pursuing CFP certification. This program, accredited by the Higher Learning Commission (HLC), offers asynchronous learning so busy students can complete the 18-credit program within their schedules.

Students engage with a graduate-level curriculum. Some of the courses include investment planning and employee benefits.

7. Boston University

Aspiring certified financial planners may earn an online certificate at Boston University to prepare them for this career path. Students take courses that explain the fundamentals of financial services and complete a capstone project, equipping them for the CFP certification examination and real-life scenarios.

Financial professionals teach these courses, bringing expert experience to the lessons. Flexible pacing options are available, allowing students to complete the program in nine, 12, 18, or 21 months.

Our Selection Criteria

The programs on our list meet specific criteria. We chose certificate programs based on several considerations, including:

• Learning format: While some schools on our list have in-person learning options, all of the chosen schools have fully online learning formats available to provide some flexibility.
• Program focus: We chose programs centered around a CFP curriculum, preparing students to meet the educational requirements for this career path.
• Educational excellence: The schools on the list are accredited, ensuring students receive a comprehensive education that prepares them for job roles.

How To Choose the Best CFP Online Program

There are many schools with financial planning certificate programs online. Choosing the best CFP online program involves evaluating your goals, finances, and schedule. You'll need to find a program that offers a curriculum that fits your career goals, so check out the courses and instructors to ensure the program is the right fit.

You should also consider tuition costs as this can vary significantly between institutions. Explore financial aid options, scholarships, or payment plans that may help reduce the financial burden.

Finally, flexibility may be an important consideration for working professionals. Some programs offer asynchronous courses, allowing you to learn at your own pace, while others may require live attendance for lectures and classes.

Tips for Taking the CFP Exam

According to the CFP Board, 62% of exam takers passed in 2024. Adequate preparation is key to help ensure success on the exam — and taking online courses can significantly enhance your preparation.

These courses often provide comprehensive study materials, including video lectures, practice exams, and interactive quizzes. Plus, the flexibility and structure of online learning allow you to study at your own steady pace, making it easier to fit your preparation around work and personal commitments.

Read more: What Is the Curriculum of a CFP Certification Program?

FAQs About Online Programs for CFP Certification

Many people have questions about the CFP certifications you can get online. We answer some of the most common questions below.

How Much Do CFP Programs Cost?

The cost of CFP programs varies widely depending on several factors, including the institution, program format, and location. On average, tuition for a CFP certification program ranges from $5,000 to $15,000; however, online programs may offer more flexibility and potentially lower costs, compared to traditional in-person classes.

Generally, there aren't any free online CFP courses available from accredited universities or colleges; however, they may offer financial aid or scholarships to help offset the cost of tuition. Some schools may also count the course credits toward a master's degree program.

What Are the Prerequisites for Enrolling in an Online CFP Program?

Typically, a bachelor's degree from an accredited institution is required. This degree can usually be in any field, but coursework in finance, accounting, or business can be beneficial.

Application requirements vary by school, but some requirements may include letters of recommendation or a minimum GPA. Check with each school to learn their admission requirements.

Is It Worth It To Get a Certification in Financial Planning?

Yes, it can be worth it to get a certification in financial planning. It enhances your credibility and demonstrates superior knowledge, which can help you land better job opportunities in the finance industry.

The certification process provides comprehensive training in various aspects of financial planning, equipping you with the skills needed to address complex client needs effectively. This knowledge enhances your ability to provide valuable advice and create tailored financial strategies.

Discover Online Certificate Programs Today

For those looking to become certified financial planners, obtaining a certificate from an accredited school is the first step. Check out the top online CFP courses on Learn.org and contact each school individually for more information.