Human Sciences - Family Financial Planning

M.S. and Graduate Certificate Options

Changes in demographics, life span, retirement and costs of education are a handful of the many reasons financial planners are recognized as invaluable partners in planning for one's future. Financial planners work in companies such as banks, insurance companies, and brokerage firms, or in employee benefits and pension departments of all types of corporations. Others choose to establish their own personal practice, with their own clientele. Financial planners are increasingly in demand as Americans seek advisers to help manage their income, assets, and debts.

The online Human Sciences-Family Financial Planning M.S. and graduate certificate options will enhance personal finance knowledge, gain eligibility to sit for the CFP® Certification Examination, increase networking opportunities, and improve career options.

Career opportunities for persons with Family Financial Planning training include:

  • Financial Planning: Financial planners or financial management consultants use their knowledge of investments, tax laws, and insurance to recommend financial options to individuals in accordance with the individual's short-term and long-term financial goals. Some of the issues that financial planners address are retirement and estate planning, funding for college, and general investment options.
  • Financial Analysts: Financial analysts assess the economic performance of companies and industries for firms and institutions with money to invest.
  • Insurance: Insurance agents specialize in life and health insurance or property and casualty insurance and a growing number of "multi-line" agents sell all lines of insurance.

To learn more about the program, contact Dr. Soo Hyun Cho.

Master's Degree 

The 36 credit hour master's degree program consists of nine 3-credit courses taken in any order with the Financial Planning Case Study course designed as a capstone to the program. The remaining nine credit-hours are supervised experiences or projects in family financial planning.

Graduate Certificate in Family Financial Planning

The 18 credit-hour graduate certificate program in Family Financial Planning is designed for students who want graduate coursework that meets the educational requirement to sit for the CFP® Certification Examination but who do not need a Master's degree.*

Graduate Certificate in Financial and Housing Counseling

In collaboration with the Association for Financial Planning and Counseling Education (AFCPE), students successfully completing the 18 credit-hour Financial & Housing Counseling (FHC) Certificate program will be able to sit for the Accredited Financial Counselor (AFC) examination or the Certified Housing Counselor (CHC) examination.


Certified Financial Planner Board of Standards Inc. owns the marks CFP®, CERTIFIED FINANCIAL PLANNERTM, and CFP (with flame logo)®, which it awards to individuals who successfully complete initial and ongoing certification requirements. This title may be used only by individuals who complete the CRP Board's initial and ongoing certification requirements.

South Dakota State University does not certify individuals to use the CFP®, CERTIFIED FINANCIAL PLANNERTM title and CFP (with flame logo)® certification marks. CFP® Certification is granted only by the Certified Financial Planner Board of Standards Inc. to those persons who, in addition to completing an educational requirement such as this CFP Board-Registered Program, have met its ethics, experience and examination requirements.