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Financial Planning - BS **No new applications are being accepted**

Program Overview:

The Financial Planning major is intended for the student interested in personal financial planning for individuals or families. Financial planning involves the management of financial resources to establish a goal of where a person would like to be in the future and develop a plan of how he or she can achieve that goal. The plans developed require a comprehensive approach that includes several areas of personal finance, including investments, insurance, retirement benefits, estate planning, personal taxes, and financial plan development. Students of the Financial Planning major are also strongly encouraged to develop a focus in Accounting/Taxation and/or Finance and/or Marketing beyond the foundational knowledge of Financial Planning.

The Financial Planning major will prepare students to enter the field of financial planning in organizations such as banks, credit unions, insurance companies, investment firms or accounting firms. Eventually, students may choose to establish their own private practice for financial planning.

The Financial Planning major curriculum meets the educational requirement for certification with the Certified Financial Planner Board of Standards (CFP Board) and qualifies students to sit for the CFP® Certification Examination, administered by the CFP Board.

Program Contacts:

Dr. Yu-Jung Avis

Chair, Accounting, Finance & Economics Department


Program Webpage:  Financial Planning

Program Requirements:

The Financial Planning major at the College of Saint Rose offers a curriculum that complies with the educational requirement of the CFP® certification.* The Financial Planning major is built on a solid foundational knowledge of accounting and business. All Financial Planning majors develop a comprehensive understanding in the various functional areas of accounting and business by completing the Accounting and Business Requirements; they develop a focus in financial planning by completing the Financial Planning Requirements; and they develop a further specialized interest by completing the Electives Requirements.

Normally, once a student has matriculated in the Financial Planning major at The College of Saint Rose, he or she must satisfy all remaining major requirements with Saint Rose courses. Likewise, students pursuing the Financial Planning minor must satisfy all requirements for the minor with Saint Rose courses.

The minimum credit requirement for the Bachelor of Science in Financial Planning at The College of Saint Rose is 122 credits, which consists of the following:

Accounting and Business Courses

36 credits

Financial Planning Courses

18 credits

Electives from Minors**

6 credits

College-wide Liberal Education requirements

41 credits

Additional Liberal and General Education electives***

8 credits

General Electives****

13 credits


*CFP® and CERTIFIED FINANCIAL PLANNERTM are certification marks owned by the Certified Financial Planner Board of Standards. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements. The College of Saint Rose does not certify individuals to use the CFP® and CERTIFIED FINANCIAL PLANNERTM. CFP certification is granted only by the Certified Financial Planner Board of Standards 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.

**These elective courses are from one or more of the following minors: the Accounting/Taxation minor, the Finance minor, and the Marketing minor.

***Additional Liberal and General Education electives include non-professional courses that may or may not have Liberal Education designation. Courses taken in professional fields such as accounting, business, nursing, education, medical technology or engineering are generally not recognized as courses fulfilling this requirement. Students must consult with their advisors in selecting these courses.

****The number of credits required may be less than 13. General Electives include any courses offered or accepted by The College of Saint Rose that can be applied toward the 122 credit hour graduation requirement.

Major in Financial Planning (60 credits)

Accounting and Business Courses (36 credits)

ACC 121Principles of Financial Acctg


ACC 122Principles of Managerial Acctg


ACC 320Acc't Information Systems



BUS 219Management Info Systems


BUS 111Fundamentals of Business


BUS 199Fund of Business Colloquium


BUS 210Business Communications


BUS 233Business Law 1


BUS 246Organizational Behavior


BUS 253Principles of Marketing


BUS 301Financial Management


BUS 334Business Law II


BUS 352Quantitative Business Analysis


BUS 487Global Topics in Finance



BUS 425Integrated Global Business


Financial Planning Courses (18 credits)

ACC 328Taxation


BUS 302Insurance Planning


BUS 305Benefits and Retiremnt Plng


BUS 406Estate Planning


BUS 486Investment I


BUS 491Field Stdy in Fin Plan Dev


Electives from Minors (6 credits)

Take two courses from the following minors:

Accounting/Taxation minor

Finance minor

Marketing minor

College-wide Liberal Education Requirements (41 credits)

Financial Planning majors must complete the following courses as part of their Liberal Education requirements:

CSC 114Excel


ECO 205Principles of Macroeconomics


ECO 206Principles of Microeconomics


MAT 180College Algebra


Additional Liberal and General Education Electives (at most 8 credits required)


Financial Planning majors must complete either MAT 184 Elementary Statistics or ECO 280 Business Statistics as an Additional Liberal and General Education elective.

Courses fulfilling the requirement of Additional Liberal and General Education Electives can include courses that may or may not have Liberal Education designation. Courses taken in professional fields such as accounting, nursing, education, medical technology, or engineering are generally not recognized as courses fulfilling this requirement.

General Electives (at most 13 credits required)

Additional Requirements, Prerequisites, and Recommendations
Financial Planning majors are strongly encouraged to take MAT 180 College Algebra, MAT 184 Statistics or ECO 280 Business Statistics, and CSC 114 Excel, or their equivalents, in the first or sophomore year because these courses form an essential knowledge base for upper-level major courses. Students must earn a cumulative grade point average of 2.0 or better in all courses required for the 60-credit Financial Planning major.

Internship/Field Experience/Study Abroad/Service:

A study abroad option is available to interested students who want to spend a semester at an approved college or university in another country. The approved courses taken will count toward the Business degree.

Required Course:

BUS 491Field Stdy in Fin Plan Dev


Suggested 4 Year Course Plan:

This suggested plan is designed to give students an idea of how to balance their coursework over 8 semesters and to graduate within 4 years. Most students will need to take a minimum of 30 credits each year in order to meet the graduation requirement of a minimum of 122 overall credits.  It should be used along with your Degree Works worksheet and in consultation with your faculty advisor. It is meant as a guide, not a definitive list of courses that must be taken as written. Your faculty advisor will help you make any necessary adjustments during advisement.

Year 1:

Fall (16 credits)
L10 ECO 205 Prin Macroeconomics (3 cr)

L01 ENG 105 (or ENG 104 + ENG 274) (4 cr)

L08 CSC 114 (3 cr)

L02 Language (3 cr) 

BUS 111/199 Fundamentals of Business (3 cr)


Spring (16 credits)
L13 ECO 206 Prin Microeconomics (3 cr)

L07 MAT 180 (or MAT185/190)  (3 cr)

BUS 210 Business Communications (3 cr)

BUS 233 Business Law 1 (3 cr)

L03 History (3 cr)


Year 2:

Fall (16 credits)
ACC 121 Prin Financial Accounting (3 cr)

BUS 246 Organizational Behavior (3 cr)

BUS 302 Insurance Planning (3 cr)

L04 Literature (4 cr)

L05 Art, Drama, Music, Com. (3 cr)


Spring (16 credits)
ACC 122 Prin Managerial Acc't (3 cr)

BUS 253 Principles of Marketing (3 cr)

BUS 301 Financial Management (3 cr)

MAT 184 (or MAT195, MAT120) or BUS 280 (4 cr)

BUS 493 Pre Internship (0 cr)

Year 3:

Fall (16 credits)
FIN/ACC/Mktg elective (3 cr)

ACC 328 Taxation (3 cr)

BUS 352 Operations Management (3 cr)

L09 Lab. Science (4 cr)

L11 Psychology, Sociology, Soc Wrk (3 cr)


Spring (15 credits)
ACC320 Acc't Information Systems (3 cr)

or BUS 219 Management Information Systems

BUS 334 Business Law 2 (3 cr)

BUS 406 Estate Planning (3 cr)

BUS 486 Investment I (3 cr)

Additional Lib & Gen Ed Elective (3 cr)


Year 4:

Fall (15 credits)
Additional Lib & Gen Ed Elective (3 cr)

BUS 305 Benefits & Retirement Planning (3 cr)

BUS 487 Global Topics in Finance (3 cr)

or BUS 425 Integrated Global Business

FIN/ACC/Mktg elective (3 cr)

BUS 494 Internship (Not Required) (3 cr)


Spring (13 credits)
BUS 491 Field Study in Fin Plan Dev. (3 cr)

Additional Lib & Gen Ed Elective (3 cr)

Additional Lib & Gen Ed Elective (3 cr)

Additional Lib & Gen Ed Elective (2 cr)

L12 PE (2 cr)

Professional Accreditations:

The College of Saint Rose, sponsored by the Sisters of Saint Joseph of Carondelet, Albany Province, is chartered by the Board of Regents of New York State. All of its degrees and programs are registered and its professional programs fully approved by the Board of Regents through New York State Education Department.

The College of Saint Rose is accredited by the Middle States Commission on Higher Education, 3624 Market Street, Philadelphia, PA 19104. (267-284-5000). The Middle States Commission on Higher Education is an institutional accrediting agency recognized by the U.S. Secretary of Education and the Council for Higher Education Accreditation.

Admissions and Financial Aid Information:

The Undergraduate Admissions Office begins review of Freshman applications each fall in late September for the following Fall. Students are encouraged to submit a complete an application as early as November. The Admissions Team will return a decision on complete applications within just three weeks. The College awards academic scholarships at the same time.

What Makes an Application Complete

  • Online or Paper application (fee waived for online applicants!)
  • Official High School Transcripts
  • Official Transcripts for any College Level Courses
  • SAT or ACT scores  (See Test Optional FAQ's)
  • Letter of Recommendation from a Counselor or Teacher
  • Essay or Graded Paper
  • Applicants may also apply via the Common Application Online.
  • Art applicants are required to complete a portfolio review.

Admissions contact information (telephone number, admissions web pages)

Scholarships and Financial Aid

See Tuition, Fees, and Financial Aid section for more information.

The Bottom Line

The total cost of The College of Saint Rose (including tuition, fees, room and board) is one of the lowest of any private college in the Northeast, and we still award more than $25 million in Saint Rose scholarships, grants and financial aid.

Take a look at our bottom line, and view a cost comparison with a four-year public institution.

More about Financial Aid

Financial Aid is defined as any grant, scholarship, loan, or employment opportunity given with the express purpose of assisting you with education-related expenses to make you education affordable. Financial Aid is awarded on the basis of student need and the availability of funds.

The Admission and Financial Aid teams have designed a Guide to Scholarships and Financial Aid to help prospective students and families get to the bottom line and find that The College of Saint Rose is one of the lowest of any private college in the Northeast--while maintaining powerful academic opportunities.

Find Out More: