BSHES in Personal Financial Planning with Emphasis in Personal Financial Management Services

Degree Program Descrption

Personal Financial Management Services prepares students to work with individuals and families in a wide range of financial service occupations, from insurance, investments, or banking to financial counseling, education, or a social change occupation. This degree program gives graduates a broad understanding of household financial management. Many students choose to complement this degree with a minor in business, finance, marketing, accounting, economics, social work, or other related program.  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.  Graduates will work with individuals and families in a wide range of financial service occupations, including insurance, investments, banking, financial counseling, education, or a social change occupation.

Back to Top

Major Program Requirements

This emphasis prepares students for entry into a variety of positions that require expertise in the management of individual and family financial resources, combined with a specialized focus in a supportive area of study. Positions are available in a wide array of occupations and corporations.

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.

Emphasis core requirements
ACCTCY 2036Accounting I3
or ACCTCY 2010 Introduction to Accounting
STAT 1300Elementary Statistics3
or STAT 2500 Introduction to Probability and Statistics I
Professional specialization electives
These courses are selected by students from a list of approved courses to complement their degree. Suggested tracks are provided below. Each track represents nine of the eighteen required professional electives. Contact the Student Services Office of the College of Human Environmental Sciences or your departmental advisor to focus your additional credits in a specific area. (NOTE: Tracks will not appear on diploma or transcript.)18
Total Credits24

Tracks: Students may choose one cluster as nine hours of the eighteen hours of Professional Electives. Each cluster, when combined with the Supporting Course Requirements, meets the requirements for a minor in the College of Business, or Economics. Students are strongly encouraged to focus their remaining nine hours in course work that complements their sub-emphasis. At least one of these courses shall be at the 4000 level, or above. (NOTE:  Tracks will not appear on diplomas or transcripts.)

Real Estate Track
FINANC 3000Corporate Finance3
FINANC 4500Principles of Real Estate3
FINANC 4510Real Estate Appraisal3
or FINANC 4520 Real Estate Finance and Investment
Additional Approved Credits9
Personal Investments Track
FINANC 3000Corporate Finance3
FINANC 4020Investments3
FINANC 4220Portfolio Management3
Additional Approved Credits9
Relationship Banking Track
FINANC 3000Corporate Finance3
FINANC 4030Financial Intermediaries and Markets3
FINANC 4130Management of Financial Institutions3
Additional Approved Credits9
Sales Marketing Track
MRKTNG 3000Principles of Marketing3
MRKTNG 4220Consumer Behavior3
MRKTNG 4380Buying and Supply Chain Management3
Additional Approved Credits9
Benefits Administration Track
MANGMT 3000Principles of Management3
MANGMT 4020Human Resource Management3
MANGMT 4220Compensation Theory and Practice3
Additional Approved Credits9
Consumer Behavior Research Track
MRKTNG 3000Principles of Marketing3
MRKTNG 4050Marketing Research3
MRKTNG 4220Consumer Behavior3
Additional Approved Credits9
General Economics Track
ECONOM 3251Theory of the Firm3
ECONOM 4351Intermediate Microeconomics3
ECONOM 4353Intermediate Macroeconomics3
ECONOM 4325The International Monetary System3
Additional Approved Credits9
Generalist Track
Eighteen hours approved by the departmental advisor or other faculty member. At least nine of these hours must be at the 4000 level, or above.18

Back to Top 

Semester Plan

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

Back to Top

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

Back to Top

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.

Back to Top