BSHES in Personal Financial Planning with Emphasis in Financial Counseling

Degree Program Description

Financial Counseling emphasis brings together a sound knowledge of personal finance with a solid background in counseling.  Courses cover personal finance, social work, and human development and family science. In addition to preparing students to work with individuals and families in a wide range of financial service occupations, this emphasis area develops tools needed to help address the human issues often accompanying financial problems. Students may prepare for the Certified Retirement Counselor® (CRC®) or Certified Retirement Administrator® (CRA®) designation, or take the exam that leads to earning the Accredited Financial Counselor (AFC) designation.

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Major Program Requirements

This emphasis prepares students to be financial counselors. Financial counselors require expertise in a variety of financial counseling and planning strategies, therefore students take a mix of classes in financial counseling, financial planning, human development and family studies (HDFS) and social work. This emphasis satisfies the academic requirements for the Accredited Financial Counselor (AFC) designation and allows the graduate to sit for the AFC exam, which is offered by the Association for Financial Counseling and Planning Education (AFCPE). Graduates must complete education requirements, pass the AFC exam, obtain professional experience and agree to adhere to the AFCPE code of ethics before being able to use the AFC mark.

Students must complete all university requirements, including general education, major core requirements and social and behavioral sciences requirements, in addition to the degree requirements for the professional specialization below.

Professional specialization requirements
ACCTCY 2036Accounting I3
or ACCTCY 2010 Introduction to Accounting
FINPLN 4993Internship in Personal Financial Planning3
H_D_FS 4610Stress and Resilience in Families3
H_D_FS 4620Family Interaction3
H_D_FS 4630The Process of Divorce3
SOC_WK 2000Exploration in Social and Economic Justice3
SOC_WK 4710Social Justice and Social Policy3
STAT 1300Elementary Statistics3
or STAT 2500 Introduction to Probability and Statistics I
Total Credits24

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Semester Plan

A sample plan is not currently available. Contact the department for additional information.

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Degree Audit

The degree audit is an automated report reflecting a student’s academic progress toward the completion of a degree.  Degree Audits are not available for all programs; however, please consult with the appropriate college or school for audit information.

MU students who have attended since August 2007 can request a degree audit by logging in to myZou and navigating to Self Service, then Student Center, and clicking on “Request Degree Audit.” The audit automatically pulls in the student’s MU course work, transfer courses and courses in progress.

MU students who have NOT attended since August 2007 can request a degree audit by contacting the Academic Advising Unit of the division in which they were last enrolled at MU. For contact information, go to

For newly admitted or prospective students, MU degree audits can be created at Information on the college credits already earned will have to be manually entered before it can be evaluated against current degree requirements.

For additional details on degree audits, go to

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Major and Career Exploration

The University of Missouri has many resources to assist you in exploring majors and career possibilities.  For guidance, visit the Majors and Careers website or view specific resources below.

  • If you would like to learn more about your career interests, abilities, values and talents, visit the MU Career Center in the lower level of the Student Success Center.  No appointment is necessary to explore career options with one of our staff members.

For additional major and career exploration resources, visit Major & Career Exploration in the catalog.

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