US CFP resources
US financial planning and client decisions
- Comparisons
Discrete and continuous compounding conventions
Compare mathematical growth factors without treating a benchmark as an investment product.
- Concepts
A level perpetuity and its convergence condition
Use the infinite-stream formula only with the required timing and positive discount rate.
- Concepts
Discounting with a negative periodic rate
Explain why a future fixed payment can have a present value above its amount.
- Formulas
Annuity-due values at a common date
Use the annuity-due values at a common date relationship with its timing and rate conditions.
- Formulas
Continuous-compounding value of a single amount
Use the continuous-compounding value of a single amount relationship with its timing and rate conditions.
- Formulas
Effective annual rate from a nominal quotation
Use the effective annual rate from a nominal quotation relationship with its timing and rate conditions.
- Formulas
Effective rate for a shorter or longer interval
Use the effective rate for a shorter or longer interval relationship with its timing and rate conditions.
- Formulas
Payment for a fully amortizing level-payment model
Use the payment for a fully amortizing level-payment model relationship with its timing and rate conditions.
- Formulas
Future value of dated cash flows at a common time
Use the future value of dated cash flows at a common time relationship with its timing and rate conditions.
- Formulas
Present value of a level perpetuity
Use the present value of a level perpetuity relationship with its timing and rate conditions.
- Formulas
Future value of an ordinary annuity
Use the future value of an ordinary annuity relationship with its timing and rate conditions.
- Formulas
Present value of an ordinary annuity
Use the present value of an ordinary annuity relationship with its timing and rate conditions.
- Formulas
Single-sum present and future value
Use the single-sum present and future value relationship with its timing and rate conditions.
- Lessons
Ordinary annuity and annuity-due timing
Place equal payments at the correct dates before applying the value factor.
- Lessons
Nominal and effective interest rates
Compare quoted annual rates only after identifying the compounding convention.
- Lessons
Choosing a common date for cash-flow values
Move differently dated cash flows to the same date before adding their values.
- Common mistakes
Why dividing an effective annual rate by twelve changes the model
Use the annual growth factor to obtain an equivalent monthly rate.
- Common mistakes
Recognising a solution versus solving independently
Check what you can produce before viewing the worked answer.
- Study plans
Restarting finance exam study after a break
Use a short diagnostic to distinguish forgotten material from unfinished material.
- Study plans
Building a finance exam retake plan
Separate knowledge gaps, execution errors and time pressure before choosing new work.
- Study plans
A study plan for variable work shifts
Assign tasks to flexible block types when the same weekday is not always available.
- Study plans
Studying for a finance exam while working full time
Build a weekly plan around available blocks, practice and review.
- Revision
Revising formulas with their conditions and units
Recall what the variables mean and when a formula applies before substituting numbers.
- Revision
Mixed-topic practice for choosing the right method
Practise distinguishing similar-looking tasks before applying a familiar formula.
- Revision
Reviewing a mock exam by error type
Turn results into specific corrective tasks rather than a single score label.
- Templates
Formula recall and conditions worksheet
Download a sheet for variables, units, boundary checks and independent attempts.
- Templates
Mock-exam error log and review worksheet
Download an editable CSV and turn practice errors into specific review actions.
- Templates
Retake review and triage worksheet
Download a structured record for evidence, corrections and fresh tasks.
- Templates
Weekly study-block worksheet
Download an editable plan that records tasks, outputs and actual time.
- Tools
Equal-payment annuity value calculator
Compare end-period and beginning-period payment patterns at defined dates.
- Tools
Effective annual rate calculator
Convert a nominal annual quotation and inspect its periodic rate.
- Tools
Single-sum present and future value calculator
Move one amount backward or forward over a stated count of equal periods.
- Tools
Study-hours planner
Calculate an average weekly and daily workload from your own study target.
- Worked examples
Decomposing an uneven stream into an annuity and an extra payment
Check cash-flow additivity using two representations of the same dated stream.
- Worked examples
A finite annuity compared with the perpetuity limit
Compare a bounded payment stream with an infinite stream under the same positive rate.
- Worked examples
A level-payment amortization model
Derive a payment from an annuity factor and separate interest from principal.
- Worked examples
Comparing ordinary and due annuity values
Shift each payment one period earlier while preserving the valuation date.
- Worked examples
Quarterly and annual discounting of the same payment
Check that an effective annual conversion preserves the value of a dated single sum.
- Worked examples
Future value of end-quarter deposits
Use a quarterly rate, quarterly payment count and a defined final date.