Financial Planning

Financial Planning provides students with an overview of the job of a financial planner. Students look at financial planning in an objective way that requires them to regard all aspects of financial planning as relevant to a potential client.

Students learn about the importance of financial planning in helping people reach their life goals, how to set personal financial goals and a budget, the ethical code of certified financial planners, time-and-money relationships, and tax-reduction strategies. The course includes lessons on saving, borrowing, credit, and all types of insurance. It covers various types of investments, including income and growth investments. The course also discusses retirement and estate planning.

Students apply their knowledge in an integrated culminating project, in which they create a basic financial plan for themselves as they imagine themselves to be at the age of 25. The project allows students to actively practice the key services provided by financial planners. At the end of selected units, students use their knowledge to complete sections of a financial planning template, setting financial goals, determining insurance needs, creating investment strategies, and planning for retirement. In addition to giving students a forum in which they can demonstrate their learning, the project provides a framework for students to create a pathway to financial independence.

This course is expected to take a total of 78 50-minute class periods.

Course Scope & Sequence

The Scope & Sequence lists the learning objectives for each lesson, providing you with an overview of what your students will learn during the course. You can use these learning objectives as a guide to determine how the course enables your students to reach the requisite goals set for them.

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Lesson Descriptions

The Lesson Descriptions document includes a brief overview of every lesson in the course. This is the narrative companion to the course Scope & Sequence document.

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Course Support

If you have questions about this course, need a hand with a particular lesson, or just have a great idea to share, please contact Kevin English directly at We are available to support you in teaching the course while also gathering feedback to improve the NAF curriculum.

Culminating Project Overview

In every NAF course, students complete a culminating project and present it in the final lesson. Download the Project Overview to learn the details about the culminating project for this course and to find out what advance preparation the project entails.

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NAFTrack Certification Course Guide

NAFTrack Certification is a nationally recognized, standards-based set of tools developed by NAF to evaluate students’ readiness for college and career. By completing all NAFTrack Certification requirements, students demonstrate mastery of academic skills and career-related knowledge. The requirements are as follows: for each of four NAF courses, students complete all coursework, pass the end-of-course exam, and fulfill culminating project responsibilities, as evidenced by uploading key pieces of work.

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Correlations to the Common Core State Standards

This document identifies which of the ELA and Math Common Core State Standards are met by each lesson in the course. You can use these correlations as an aid to preparing your students for college and careers.

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We welcome questions and feedback about these course materials. For a prompt response, please email the NAF Instructional Managers directly at

The ZIP file below contains the current version of every file for this course. Be sure to download it before the start of each school year. If you just need a specific file or two, it's quicker to use the individual links listed on this page.

All Course Files (ZIP file)

Unit 1: Getting Started

Lesson 1: Course Introduction

This lesson uses a .mov file that must be unzipped and requires an up-to-date video player such as Windows Media Player or Apple's QuickTime Player to view. If you have difficulty playing this file, please consult the tech coordinator for your school.

Lesson 2: Introduction to Financial Planning

Lesson 3: The Importance of Financial Planning

Unit 2: The Financial Planning Process

Lesson 4: Components of a Financial Plan

Lesson 5: Factors That Shape Personal Financial Goals

Lesson 6: Setting Personal Financial Goals

Lesson 7: Creating a Personal Budget

Unit 5: Investing

Lesson 14: Investment and Compound Interest

Lesson 15: Income Investment Products

Lesson 16: Stocks, Bonds, and Mutual Funds

Lesson 17: Housing

Unit 6: Retirement and Estate Planning

Lesson 18: Planning for Retirement

Lesson 19: Estate Planning

Unit 7: Contemporary Issues in Financial Planning

Lesson 20: Tax Reduction Strategies

Lesson 21: Ethics

Unit 8: Career Development in Financial Planning

Lesson 22: Working in the Industry

Lesson 23: Learning from Industry Experts

Lesson 24: Project Presentation and Course Closure

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