Financial Planning

Next Program Entry:
September 21, 2020 
Monday and/or Wednesday Evenings 6 – 9:30 p.m.
Traditional Path (one night per week)
Pacesetter Path (two nights per week)  
*Classes will meet online through December 2020, but may return to campus in January 2021 if it is deemed safe to do so.
Traditional Path Priority Rate: $775 per course (expires two weeks before start date)
Traditional Path Standard Rate: $875 per course
Pacesetter Rate: $675 per course
The program consists of seven required courses and can be completed in as little as a year on the Pacesetter or Intensive Path, or in 24 months following our Traditional Path. 
The SMU PRO Certified Financial Planning Certificate program combines expert instructors, CFP Board-registered curriculum and flexible course schedules to provide the premier financial planning educational program in North Texas.

Our CFP Board-registered curriculum satisfies the educational requirements needed to sit for the CFP® Certification Examination. Taught by industry leaders working in the financial planning field, the curriculum covers comprehensive financial planning services with an emphasis on high-quality client service. The flexible schedule options are designed for working professionals, whether just starting or well established in the financial service industry.

Who Should Attend

  • Financial planners
  • Accountants
  • Investment advisors
  • Trust officers
  • Attorneys
  • Bankers
  • Retirement or benefits specialists
  • Insurance agents
  • Anyone considering a career in financial planning

Key Benefits

  • Learn to perform comprehensive financial planning services with an emphasis on high-quality client service.
  • Acquire the educational requirements needed to sit for the CFP® Certification Examination.
  • Earn a certificate in financial planning from SMU.

Online Learning Requirements

This course will be offered virtually for Fall 2020. The well-being of our students and community is our top priority, and we are excited to deliver dynamic and engaging courses in a fully online format.

Students will interact with instructors and other students through Zoom and SMU GO's Learning Management System (Canvas). To maximize classroom instruction and your learning experience, we require the use of video & audio devices during the Zoom meeting. It will be necessary to have reliable internet with sufficient bandwidth to support the use of video during class.

Registered students will receive individualized communication with further instructions to help you prepare for class.

There are three start dates offered each year. Students may enter the program in Plano in January, or enter the program in Dallas in April or September.

January Entry

Intensive Path: Courses meet on Tuesday evenings for 3½ hours and one Saturday per month over 11 months to complete the program.
Location: Plano
Winter: 101, 103
Spring: 102, 104
Summer: 105, 106
Fall: 107

April Entry

Pacesetter Path: Two courses per quarter meet weekly, for 3½ hours each, for 12 months.
Location: Dallas
Spring: 101, 103
Summer: 102, 104
Fall: 105
Winter: 106, 107
Spring/Summer: Exam Review (June), CFP® Exam (July)

Traditional Path: One course per quarter meets weekly for 3½ hours, for 24 months.
Location: Dallas
Spring: 101
Summer: 102
Fall: 103
Winter: 104
Spring: 105
Summer: 106
Fall: 107
Winter: Exam Review (Feb), CFP® Exam (Mar)

September Entry

Pacesetter Path: Two courses per quarter meet weekly, for 3½ hours each, for 12 months.
Location: Dallas
Fall: 101, 103
Winter: 102, 104
Spring: 105
Summer: 106, 107
Fall:  Exam Review (Oct), CFP® Exam (Nov)
Traditional Path: One course per quarter meets weekly, for 3 ½ hours each, over 24 months.
Location: Dallas
Fall: 101
Winter:  102
Spring: 103
Summer: 104
Fall: 105 
Winter: 106
Spring: 107
Summer: Exam Review (Oct), CFP® Exam (Nov)

Course Descriptions

Fundamentals of Financial Planning: 101 
Fundamentals of Financial Planning introduces students to the financial planning process as well as the technical skills a competent financial planner must possess to serve his or her clients successfully. Students will learn the fundamental elements of financial planning (insurance, investments, taxation, retirement planning and estate planning) and their role in providing a comprehensive personal financial plan. This course explores the financial planning industry and how to develop a financial planning practice. This includes the current economic environment, regulation and licensing, reporting and compliance, and compensation methods. The course defines and reviews the CFP Board’s Code of Ethics and Professional Responsibility.
Insurance and Risk Management: 102
Insurance and Risk Management surveys the financial risks that individuals and businesses face and how they can manage these risks, including insurance solutions. Students learn the purpose, structure and coverage options of various types of insurance including health, disability, long-term care, life, property and casualty. This course also reviews the taxation of insurance benefits and how taxation should affect a financial planner’s decision to recommend insurance solutions. After completing the course, students will be able to determine a client’s risk exposure and develop a comprehensive insurance and risk-management plan based on the client’s goals and objectives.
Investments 103
Investments familiarizes students with the concepts of risk and return, equity and fixed income investments, the mathematics of investing, the evaluation of investment theories and strategies, and the regulation of the investment industry. The course explores the difference between fundamental and technical analysis, and students will perform basic bond and equity valuations. The course introduces modern portfolio theory (asset allocation, diversification, market timing and security selection). The course also introduces the capital asset pricing model, arbitrage pricing theory and the efficient market hypothesis. Students calculate investment fees and expenses, time-weighted vs. dollar-weighted returns, arithmetic vs. geometric returns, risk-adjusted returns and after-tax returns. Students will develop a suitable investment portfolio established to meet a client’s goals and objectives and prepare an appropriate plan of implementation based on this information.
Retirement Planning and Employee Benefits: 104
Retirement Planning and Employee Benefits explores the nature and function of retirement plans and surveys the more common employee benefits. The course outlines retirement plans including government and private plans, pension plans, individual retirement accounts, and other qualified and non-qualified retirement plans. Students learn to determine a client’s eligibility to participate in a retirement plan, calculate a client’s tax-deductible contribution limits and calculate the taxation of retirement plan benefits upon distribution. The course includes a complete needs analysis to determine a client’s expected monetary needs and the associated cash flow required in a client’s retirement years. Students will recommend an appropriate plan of action including retirement plan options that achieve the client’s goals and objectives and compliment the client’s comprehensive financial plan.
Tax Planning: 105
Tax Planning delves into current tax code concepts, issues, and regulations and the resulting consequences and liabilities for clients. The course explores the structure of the code as it pertains to the taxation of individuals, their businesses, partnerships, trusts and other legal entities. Students work through practical scenarios including calculating taxable income, exclusions and deductions, depreciation and amortization schedules, the alternative minimum tax, and real estate and business sales and exchanges. The course explores tax-management techniques such as excluding income, deferring income, shifting income and managing or timing income. Students will develop tax-planning strategies to manage tax liability and to accumulate assets while minimizing tax consequences. Taxation is studied as it relates to each of the key areas of financial planning: insurance, investments, retirement planning, employee benefits and estate planning. Students will integrate a client’s financial goals and objectives into a well-developed tax strategy within the context of a comprehensive financial plan.
Estate Planning: 106
Estate Planning examines the taxation of gifts, estates and generation-skipping transfers, including the calculation of the gift tax, estate tax and generation-skipping transfer tax in consideration of applicable exclusions and deductions. Students are exposed to estate planning techniques such as lifetime transfers and gifting, charitable gifting, the utilization of trusts and partnerships and postmortem planning. The course emphasizes solving a client’s estate-planning problems by providing students with the tools to develop practical strategies that focus on a client's goals and objectives and apply current tax law in order to develop an effective estate plan.
Financial Planning Strategies and Case Studies (Capstone): 107
Financial Planning Strategies and Case Studies serves as the capstone course for the SMU PRO Certified Financial Planning Certificate program. The case-study format differs from the traditional lecture format in that students take a more active role in the learning process. Students complete a number of segmented financial planning cases related to insurance, investing, taxation, retirement planning and employee benefits, and estate planning. Students develop both basic and complex, comprehensive financial plans by following the six-step financial-planning process. Students complete individual and group work and participate in the presentation of a comprehensive financial plan to the class. This experience serves as a model for application as a professional.

Tuition and Fees

There is a nonrefundable $150 application fee before you submit your completed registration form and supporting documents.
Choose from three schedule pacing options:
  • Traditional Path: Tuition is $875 per course—save $100 off this fee when you register and pay before the priority deadline, two weeks before the first class.
  • Pacesetter Path:  Tuition is $675 per course. You must call the SMU Global and Online office at 214-768-2273 to receive the Pacesetter discounted rate.
  • Intensive Path: Full tuition is paid up front—$4,995 standard rate (approximately $713 per course) or $4745 for priority rate (approximately $675 per course). This path is eligible for Sallie Mae loans.

Special Discounts

Early Registration Discount
Complete your registration 14 or more days in advance of the first class meeting to receive a discount on tuition.
Pacesetter Path Discount
Complete the program in as little as 12 months and save up to $600 by taking two courses a quarter for three of the four terms. For more information, see the Course Info and Schedule section. 
TSCPA and FPA Member Discounts
Members of the Texas Society of CPAs and the DFW Chapter of the Financial Planning Association are eligible for a discounted application fee and may register at the TSCPA/FPA rate. To obtain this discount, a one-time setup of your record is required. Call 214-768-2273 or email us with your TSCPA or DFW FPA member number.
SMU Staff, Faculty, Student and Alumni Discount
Members of the SMU community, including current and retired staff and faculty, current students, and all alumni, are eligible for a discount on course fees. To obtain this discount, a one-time setup of your student record is required, allowing you to receive your discount automatically whether you are registering by phone or online. Please call 214-768-2273 or email us with your SMU ID number.
The Fine Print: Discounts may not be combined with any other promotion. Discount is subtracted from the standard registration fee.

Financing Options

Intensive Path students may qualify for a Smart Options Continuing Education Student Loan, offered by Sallie MaeYour Sallie Mae Loan application must be completed and approved 14 days before the first day of the program. Loan cannot exceed the cost of tuition. Contact our admissions team for details.

This program may qualify for veterans’ benefits.  Please contact Robert Hurst, Veterans Assistance and Outreach Coordinator, for more details.

Corporate discounts may be available. Please call 972-473-3469 for information. 

General Policies

Students must register before attending a course. Instructors cannot accept registration fees. SMU reserves the right to substitute instructors, change course locations, cancel courses, adjust curricula or schedules, or limit enrollment.
Students must take courses in numerical order by term, and must complete courses with a grade of “C” or better. 


Transfer of course work from another CFP Board Registered-program to the SMU PRO Certified Financial Planning Certificate Program may be considered. Requests must be made in writing to the Program Director for final approval. Requests must be accompanied by an official transcript including course descriptions from the school’s course catalog. Final approval will be made by the Director. Students must complete at least fifty percent of their coursework in the SMU PRO program (including the capstone course), to qualify for a certificate. Download the transfer form.
Refer to the CFP Board's website for more information regarding the CFP® certification.


Tuition does not include the cost of textbooks. Students should purchase the most recent editions online. Required books are not available at the SMU Bookstore. The cost of each book ranges from approximately $80–$160.

Program Requirements

How long will it take for me to complete the SMU PRO Certified Financial Planning Certificate program?
There are seven courses in the program. On our Dallas campus, students on the Traditional Path may complete the entire program in approximately 24 months by taking one course each quarter,, while those on the Pacesetter Path may finish the program in as little as 12 months by taking two courses each quarter with Tax Planning taken as a stand-alone course. Entry dates are in April and September of each year. Classes are 11 weeks long and are taught on Monday and Wednesday evenings, meeting from 6:00 – 9:30 p.m.
The Intensive Path program begins in January in Plano with courses taught on Tuesday evenings from 6:00 – 9:30 p.m. Saturday classes are scheduled in advance. The length of courses varies by subject matter and instruction is focused and intensive. The program is completed in 11 months.

When can I take the CFP Board-administered exam?
Successful completion of the SMU PRO Certified Financial Planning Certificate program meets the educational requirements established by the CFP Board to sit for the CFP® Certification Examination. The examination is administered three times per year in March, July and November.
Students finishing in the winter quarter (March) may apply to sit for the July exam. Students finishing in the spring quarter (June) or summer quarter (September) may apply to sit for the November exam. Students finishing in the fall quarter (December) may apply to sit for the March exam. For more information, please visit
Are there any prerequisites?
Courses are taken in order, depending on which pacing path you decide upon.

Bachelor’s Degree Requirement

The CFP Board requires candidates for CFP® certification to hold a bachelor's degree before they receive the CFP® certification. Refer to the CFP Board's Website for more information regarding the CFP® certification.

Can I take SMU PRO’s Certified Financial Planning Certificate courses for credit?
SMU PRO’s Certified Financial Planning Certificate courses are noncredit. However, as a CFP Board-registered program, attendance is recorded and grades are issued. To receive a Certificate in Financial Planning from SMU, you must successfully complete all seven courses with a grade of “C” or higher.
Can I earn CEUs/CPEs in the SMU PRO Certified Financial Planning Certificate program?
Self-Reporting for Insurance licensees
CPFP102 Insurance and Risk Management, CFPF 104 Retirement Planning and Employee Benefits and CPFP 106 Estate Planning are eligible for Continuing Education credit. To obtain credit please contact the SMU Global and Online office for the appropriate reporting form and procedures.
For CPAs: The Texas State Board of Public Accountancy has set the guidelines that allow the licensee to determine which Certified Financial Planning Certificate course will enhance their professional competency, and thus, which to submit for CPE credit. To review these guidelines, visit the Texas Administrative Code, Rule 523.102, CPE Purpose and Definitions.


When does registration begin?
Registration opens approximately eight (8) weeks before each quarter begins. Students are encouraged to register early to secure their places in the course(s) of their choice.
Students may register online or via phone at 214-768-2273. 
How long are the courses, and when are they offered?
Each course meets for 3½ hours once a week for 11 weeks. Courses are held from 6 – 9:30 p.m. 
Are textbooks included in tuition?
Tuition does not include the cost of textbooks. Students should purchase the most recent editions online. Required books are not available at the SMU Bookstore. The cost of each book ranges from approximately $80–$160.
Class has already started; if I need to cancel, can I get a partial refund?
SMU Global and Online makes every effort to assure a quality learning experience. If you choose to withdraw from the certificate program, please notify us in writing (email or fax 214-768-1071). SMU Global and Online professional certificate enrollment is final as of three (3) business days prior to first class start date and programs are intended to be successfully completed in full. Once you are enrolled, withdrawal from the program or not completing the program forfeits your tuition costs. We do not provide any prorated refunds or credits for partial certificate program completion. However, students may transfer to another cohort/class, free of charge, provided there is space available and time remaining for them to successfully complete the program.
Failure to attend class does not constitute withdrawal.
All refunds will be made in the form of the original payment. Please allow up to six weeks to receive check refunds.
Full details are available in the certificate terms and conditions provided during the application process. 
What if a class I want to register for is full?
A student may choose to be added to the waitlist, free of charge, for any course that has already reached its maximum enrollment. If space becomes available in the course, or if a new section of the course is added to the schedule, those on the waitlist will be notified in the order in which they joined the waitlist. Students on the waitlist are not obligated to register if/when a space becomes available. We encourage students to add their names to the waitlist for courses they are interested in, as this can be a factor in whether or not new sections of the course are added to the schedule.
Can I pay when I arrive at the class?
Advance registration is required. Students may register 24 hours-a-day online. During business hours by phone at 214-768-2273 or by visiting the SMU Global and Online office. Course locations are distributed only to registered, paid students. Instructors are not permitted to accept registration fees at class meetings.
What if I forget my “Account ID” or the password I used for online registration?
Go to and choose "forgot username" or "forgot password."
Where does my class meet?
  • I have already registered for my class.
    Classroom assignments are sent to students once they are registered, and course information is available online to most students. However, availability of registration information in the online system may vary depending on the method used to register.
  • I registered online.
    Use the View my Registration Information option to find your course location. You may access your information using your Account ID and your initials. If you have forgotten your Account ID, you may have it emailed to you.
  • I registered by phone, fax, US mail or in person.
    If you provided an email address when registering by phone, fax, US mail or in person, you may request your computer-generated ID be sent to you via email. If you did not provide an email address when registering by phone, fax, US mail, or in person, you will not be able to access your classroom assignment online. You will need to contact the office during business hours, Monday – Friday from 9:00 a.m. – 4:30 p.m. at 214-768-2273.
  • I have not registered for my class.
    Classroom assignments are sent to registered students within 24 hours of registration by US mail, fax, or email. If you have not registered for a course, the location information is not available to you. Course locations are not published in the catalog or on the website. Due to limited classroom space on campus, students must register prior to attending a course so that we can be sure that the classroom size is appropriate for the number of enrolled students.

General Information

What should I do if I have missed class?
If possible, inform your instructor in advance to check on arrangements and find out how absences will affect your grade.
What should I do if I miss an exam?
A student who misses an announced exam with the instructor’s prior permission may be given an opportunity to make up the work at the instructor’s convenience. Notify the instructor as soon as possible. If the instructor gives you permission, you are eligible to take a make-up exam.
Why might a course be cancelled by SMU?
While rare, SMU reserves the right to cancel a course due to insufficient enrollment. Should SMU cancel a course, a full refund will be granted to enrollees. Every effort is made to notify students of a course cancellation in advance. Students are encouraged to register early to secure a place in the course(s) of their choice and to help ensure the course's success.
When do courses begin?
SMU PRO Certified Financial Planning Certificate program offers courses on a quarter system, which means that classes begin in January, April and September. For specific course dates, please visit our course schedule page.
Where do I park?
Course confirmation letters serve as campus parking permits for course dates and times. Using this permit, students may park in any All University Parking lot (AUP) and any Commuter lot (C), as well as in most Faculty/Staff lots (F/S) after 5 p.m., Monday – Friday, and anytime on Saturday. Please note, the first two levels of the Airline Parking Garage are reserved for F/S at all times. Please do not park in Visitor parking areas; these are reserved for patrons without this, or any other, parking permit. More information about campus parking.
All courses are taught by instructors with extensive professional experience. All instructors are CFP® practitioners and most also hold an advanced academic degree (M.B.A., J.D., and so on), or other appropriate professional licenses or designations (such as CPA, CFA, etc.). SMU PRO instructors use the financial planning topics as outlined by the Certified Financial Planner Board of Standards, Inc. as a framework for teaching each course.

The SMU PRO Certified Financial Planning Certificate program curriculum was developed by integrating the CFP Board’s required topic list, traditional textbook curriculum and well-known CFP® Certification Examination review material. The result is a CFP Board-registered program that combines sound financial planning principles, theory and strategy with practical skills in development and implementation.

Patrick Dougherty

CFP® (Certified Financial Planner)
M.B.A., University of Dallas

Patrick Dougherty is the founder and president of Dougherty Wealth Management, LLC, a fee-only Registered Investment Advisory firm in Dallas, Texas, that specializes in comprehensive wealth management. Prior to starting his own firm in 2005, Patrick began his financial planning career in 1999 at a NYSE member firm.

Along with his passion for his planning practice, Patrick is dedicated to growing the planning profession. Prior to his current teaching position in the SMU PRO Certified Financial Planning Certificate program, he served as an adjunct professor with the University of Dallas’ M.B.A. program for 8 years. He currently facilitates a monthly “practice management” seminar series in Dallas for new planners.

A member of the Financial Planning Association, Patrick serves on the Journal of Financial Planning Editorial Review Board. He is a member of the Investment Management Consultants Association and the Dallas Estate Planning Counsel. Patrick is regularly nominated by his peers to D Magazine’s list of “Best Financial Planners in Dallas.” He received his M.B.A. with a concentration in financial and estate planning from the University of Dallas, having earned a B.A. from the University of North Texas.

Eric C. Dyson

CFP® (Certified Financial Planner)
AIF® (Accredited Investment Fiduciary)
B.S., U.S. Naval Academy

Eric Dyson is the Director of ERISA Major Accounts at Wellspring Financial Partners. He is a seasoned professional with over twenty years of financial consulting experience. Eric has worked with private- and public-sector clients as well as nonprofit organizations. He serves on the Board of Directors of Southwest Benefits Association and is a member of the education committee. Eric was recognized by PlanAdviser Magazine in 2012 as one of the country’s top 100 retirement plan advisors. 

In addition to the AIF® & CFP® designation, Eric maintains a Series 65 registration as well as holding Texas Department of Insurance Group 1 License. 

R. Bradley Fletcher

Brad Fletcher is a partner at Strasburger & Price, LLP. His practice focuses primarily on advising clients on estate planning, probate and trust law, representing nonprofit and tax-exempt organizations, and representing clients in controversies with the IRS and state taxing authorities.

His estate and trust planning practice involves preparing wills and trusts, probate, marital deduction trusts, life insurance trusts, minor’s trusts, gift planning, marital property agreements and family-limited partnerships. Brad also practices in the area of estate and trust administration, including probate and trust litigation and the preparation of gift and estate tax returns and handling tax controversies and audits.

Brad’s representation of nonprofits and tax-exempt organizations involves creating such entities (trusts and nonprofit corporations as both private foundations and public charities), preparing applications for tax-exempt status (Forms 1023 and 1024), representing nonprofits and tax-exempt organizations before the IRS and state taxing authorities, and advising nonprofits and tax-exempt organizations on issues unique to such organizations.

David C. Gair

LL.M. Taxation, University of Denver Strum College of Law
J.D., University of Denver Strum College of Law
M.A., Middlebury College
B.A., Bates College

Board Certified in Tax, Texas Board of Legal Specialization, Admitted to State Bar of Colorado in 2005, admitted to State Bar of Texas in 2007, U.S. Tax Court, all U.S. District Courts in Texas and Colorado; U.S. Court of Federal Claims; U.S. Court of Appeals for the 5th Circuit.

Vice-Chair Tax Section of Dallas Bar Association, Council Member of Tax Section of State Bar of Texas, Chair of 2016 Tax Section Annual Meeting, Member of the Board of Directors for AVANCE-Dallas, Inc., an early childhood education nonprofit.

David is a former teacher from Denver, Colorado. He has over a decade of legal experience with focuses on tax, business, estate and asset protection planning for high net worth and entrepreneurial clients. David also represents clients in complex Federal and State tax litigation matters as part of his practice.

David is a shareholder at Gray Reed & McGraw in downtown Dallas where he has been practicing since 2007. He is a frequent speaker on tax and estate planning topics.

Roy E. Gray

CFP® (Certified Financial Planner)
Kaplan University
Spartan University of Aeronautics
U.S. Navy

Roy Gray is the Director of Financial Planning with Munn & Morris Financial Advisors, Inc., an independent branch of Raymond James. Roy has been assisting clients in the development of financial plans and strategies to help individuals and families achieve their goals since 2001. Roy's practice involves all areas of financial planning, including the development of spending plans, family protection plans, risk tolerance assessment, development and implementation of investment and income plans, tax reduction strategies and wealth transfer strategies. Roy has been recognized as one of America's top financial planners in 2008 by the Consumers Research Council of America and regularly volunteers his expertise to the young men and women of our nation’s military.

In addition to the CFP® designation, Roy maintains a Series 7, 63 and 65 registration as well as holding Property & Casualty, Life, Health and Long-term Care insurance licenses in many states. Roy is a member of the Financial Planning Association, the Dallas Estate Planning Council and the Collaborative Law Institute of Texas.

Roy Gray teaches SMU CPFP 102: Insurance and Risk Management.

Bryan C. Jackson, Program Director

CFP® (Certified Financial Planner)
B.B.A, James Madison University

Bryan C. Jackson, CFP®, is an investment advisor with Vision Point Advisory Group. Since 2004, Bryan has focused his practice on the complex planning needs of the business community. Bryan specializes in institutional qualified and non-qualified retirement plan design. He works closely with C-Suite executives, business owners and human resource professionals to create retirement plans that will help achieve a dignified and meaningful retirement. Bryan also provides comprehensive financial planning and specialized consulting tailored to the unique needs of the business community, including succession planning and executive retention.

Bryan holds a Texas Department of Insurance Group 1 License, and a Series 65 Securities License. He is also a member of the Financial Planning Association.


Bill Larson

CFP® (Certified Financial Planner)
CPA (Certified Public Accountant)
B.B.A., University of Notre Dame

Bill’s financial planning practice targets the underserved markets of those just beginning their careers, middle income workers and retirees to educate his clients to take ownership of their financial position. He charges strictly a per-hour fee. 

In two previous careers, he was an audit partner at Touche Ross (now Deloitte) where practice areas included steel manufacturing, fabrication, metals recycling, machine tooling, plastic resin manufacturing, real estate leasing and development, property and casualty insurance, cafeterias, pension and welfare benefit plans. Teaching experience includes numerous national training programs and local technical subject areas. 

Bill was also the SVP and CFO of Commercial Metals Company (NYSE – CMC, a Fortune 400 company) where he had oversight for corporate accounting, treasury, tax, information technology, investor relations, SOX compliance and control monitoring, human resources and payroll, shared services, business risk management assessment and office administration.

Patte Lee, CFP®, RPA

Patrisha (Patte) Lee has worked in financial services for more than 20 years, helping families create and preserve their wealth and achieve financial balance. A Certified Financial Planner (CFP®) with an M.B.A., Patte pulls from her broad experience working in senior advisory positions with Fortune 100 companies such as Aetna, UNUM, Travelers, and Marsh USA, as well as her knowledge of employee benefits and pensions.

A Certified Divorce Financial Analyst (CDFA), Patte enjoys helping women roll up their sleeves to work on their budgets. She . She is active in the community serving on the Advisory Board of EWL–Empowering Women as Leaders (; is on the board for the Dallas chapter of the LPGA Amateur Golf Association, and a supporter and sponsor of Attorneys Serving the Community ( Patte is also on the Advisory Board for Communities Foundation of Texas and teaches “Financial Literacy for Women” through SMU Lifelong Learning.


Norman A. Lofgren

A.B., University of Missouri
J.D., Oklahoma City University
LL.M., Taxation, Southern Methodist University
Case Oklahoma City University Law Review, 1976–77

State Bar of Texas—admitted 1978; District of Columbia (inactive); Dallas Bar Association (past chair of Probate, Trust & Estate Section); U.S. Tax Court; U.S. District Court, Northern District of Texas; U.S. Court of Federal Claims; U.S. Court of Appeals, 5th and 11th Circuits; Pilot, U.S. Navy, 1969–75 (active duty) and 1975–94 (reserve), retired rank of Captain.

Norm Lofgren began his law practice as a trial attorney for the IRS Office of Chief Counsel where he litigated a wide range of tax cases on behalf of the government, evaluated criminal tax cases and chaired a group responsible for identifying abusive tax shelters. Subsequently, he served as tax and international tax counsel for a major international energy company. He entered the private practice of law in 1988; his practice has mainly focused on representing and advising high net worth and entrepreneurial clients on tax, estate, business- and asset-protection matters. He has also litigated a number of cases against the Internal Revenue Service, including a test case involving the estate and gift tax aspects of family-limited partnerships. 

Mr. Lofgren is a member of Gray, Reed & McGraw, where he is co-chair of its Trusts & Estate Section.

He regularly teaches SMU PRO CPFP 106: Estate Planning.

Eric Michaud 

CFP® (Certified Financial Planner)
M.B.A., University of Dallas
B.B.A., Management, Baylor University

Eric Michaud started in the industry in the brokerage business with a national brand in 2005, working in Margin and Credit Risk Management. He is currently working in an advisor role for a retirement planning firm in Dallas/Fort Worth.

Along with his current work and helping his clients with their financial planning needs and preparing for retirement, he is passionate about mentoring new advisors within his firm as well as providing ongoing assistance within his team. His interest in coaching new advisors with his current role and past roles as a manager has lead him to continue his efforts by reaching outside of his organization to a teaching position in SMU PRO’s CFP program.

Eric is a member of the Financial Planning Association. 

Phil H. Nguyen

Certified Financial Planner (CFP®)
Certified Portfolio Manager (CPM®)
Certified Private Wealth Advisor (CPWA®)

Phil H. Nguyen is a branch director and a wealth management advisor[AK1], and he has been in the financial services industry since 1998. Phil helps clients develop strategies to manage their personal and business finances. He specializes in investment strategies and portfolio and risk management. Phil previously worked at HP for 16 years as an Engineer, Project Manager, District Manager, Corporate Finance Manager and a Venture Capitalist. He holds an E.E. degree and an M.B.A.


Kyle Post

LL.M., New York University School of Law
J.D., Arizona State University College of Law
B.S., Arizona State University

Kyle is Of Counsel in the Dallas office of Coats Rose, P.C and practices in the areas of federal income tax planning, estate planning, estate and trust administration, and wealth preservation and asset protection planning. Kyle counsels U.S. and international clients regarding the U.S. taxation of their domestic and international business operations and advises them on tax efficient structures for these activities. He also helps nonprofit organizations qualify for and maintain tax-exempt status. In addition to the practice of law, Kyle has taught a variety of tax and legal courses as an adjunct and full-time professor for several universities.


Clark D. Randall

CFP® (Certified Financial Planner)
CRPC® (Chartered Retirement Planning Counselor)
CLU (Chartered Life Underwriter)
AEP (Accredited Estate Planner)
AIF (Accredited Investment Fiduciary)
B.B.A., Finance, Texas A&M University

Clark D. Randall, CFP®, is the founder and owner of Financial Enlightenment, a financial planning firm offering fee-based services.

Clark currently holds FINRA Series 6, 7, 63 and 65 licenses.

Clark works closely with clients as their “Personal CFO” through his comprehensive fee-based financial planning approach. The creative design strategies he offers have provided his clients stability and reassurance to help ensure that their plan is on track and in alignment with their goals.

Clark is involved with many professional activities, having served on the Advisory Board of the Journal of Financial Planning and the Dallas/Fort Worth Financial Planning Association Board of Directors. He currently teaches financial planning at Southern Methodist University.

Lisa Rapfogel

CFP® (Certified Financial Planner)
B.S., Finance, University of Texas at Austin 
CLTC, (Certified in Long Term Care)
Southern Methodist University Certificate in Financial Planning Program

Lisa has 16 years of experience in the financial services industry. She is an advisor with Allegiant Wealth Management/MassMutual. She has tailored her practice to the needs of business owners, attorneys, physicians, executives and professional athletes.

Lisa was born and raised in Fort Worth, Texas. She moved to Dallas 11 years ago to expand her practice and holds a Texas Insurance Group 1 License and Series 6, 7 and 63 Securities Licenses. She is also a member of the Financial Planning Association.

Lisa teaches SMU PRO CPFP 102: Insurance and Risk Management.


Sol S. Reifer

B.A., with honors, University of Texas at Austin 
J.D., Southwestern University School of Law, Los Angeles, California
LL.M., Estate Planning – Taxation, University of Miami

Sol is a partner in the Trusts and Estates Department of a North Dallas law firm. He has received the designation as an Accredited Estate Planner from the National Association of Estate Planners, 1995, and was listed in "Who's Who in American Law," 1994, as well as being nominated for "Outstanding Young Men in America" in 1980 and 1984.

Sol has been an adjunct professor at the University of Dallas, Graduate School of Business Administration, the University of North Texas, and Southeastern Paralegal Institute. He has been invited to speak as a continuing education instructor for various life insurance companies and stock brokerage companies.

Sol Reifer teaches SMU PRO CPFP 106: Estate Planning.

John Round

B.B.A., University of Florida
J.D., St. Mary's University
LL.M., Taxation, University of Florida
Senior Associate Editor St. Mary's Law Journal

John Round has 28 years of experience advising clients on all phases of estate planning probate and trust law. His practice involves the preparation of wills and trusts, marital deduction trusts, life insurance trusts, minor's trusts, charitable trusts, private foundations, tax-exempt entities, gift planning, marital property agreements, and estate and business planning for closely held businesses including Family Limited Partnerships. He is also active in estate, trust and fiduciary administration practices including: probate and trust litigation, litigation practice involving fiduciary duties and responsibilities, probate and trust administration, gift tax return preparation, estate and inheritance tax return preparation, and gift and estate tax audit and litigation.

Mr. Round currently serves as chair of Strasburger's Taxes, Estate Planning & Employee Benefits Practice and regularly teaches SMU PRO CPFP 106: Estate Planning.

Trudy Turner

CPA (Certified Public Accountant)
PFS (Personal Financial Specialist)
CFP® (Certified Financial Planner)
B.S., University of Virginia
M.S., Accountancy with Tax Specialization, University of North Texas

Trudy Turner is a senior wealth manager with United Capital Financial Advisors.  

She served as the 2007 Chair of the Dallas/Fort Worth Chapter of the Financial Planning Association and has worked on committees for the Financial Planning Association, Certified Financial Planner Board of Standards and the American Institute of CPAs. 

For several years, she co-moderated the "You Are a Financial Planner: Now What?" education and career development series for the Dallas/Fort Worth Chapter of the Financial Planning Association. This series, along with active mentoring, demonstrate her passion to assist and encourage the next generation of competent, ethical and compassionate financial planning professionals.

She serves as the Chair of the Parkland Foundation Planned Giving Council and as a Board of Director for the Parkland Foundation. Previous leadership assignments have included the Greater Dallas Business Ethics Awards Steering Committee and Board of Directors for Denton County Collaborative Professionals. 

She has been named by D Magazine as one of "The Best Financial Planners in Dallas" every year awarded since 2002, the inaugural year. Honorees are voted upon by certified members of the DFW Chapter of the Financial Planning Association.

John Williams

CFP® (Certified Financial Planner)
B.S., Actuarial Science, Drake University

John Williams is a Certified Financial Planner® certificant specializing in retirement issues. Previously, Mr. Williams was a Principal and Senior Retirement Consultant with Mercer. He has over thirty years of experience in providing services to individuals and companies in administration, design, funding, and accounting of retirement plans and post-retirement welfare plans. His experience includes all facets of retirement plan management efforts, including strategy, design, and ongoing financial management such as: projections of retirement needs and funding of targeted retirement benefits; valuing of executive benefit packages and projections for estate planning purposes; design of retirement programs to meet business, financial and workforce objectives; managing the financial impacts of retirement plans on the corporation’s balance sheet and income statement; analyzing changes in funding regulations, funding policies, actuarial assumptions, and investment returns on long term retirement plan goals; development of specific plan changes to support workforce needs, such as plan terminations and early retirement windows; broad-based consulting on retirement plan compliance issues, including nondiscrimination testing, government forms and other required statutory issues.

John Williams teaches CPFP 101: Fundamentals of Financial Planning.

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Did you know?


Average annual salary for financial planners in Texas


Projected increase in employment by 2024 for personal financial advisors.

Top job titles include wealth management advisor and financial planner.


Eric M.

“The SMU PRO Financial Planning Certificate Program provided the perfect balance of classroom learning and input from the real world. The course not only prepared me for the CFP® exam and the next chapter of my professional life, but also gave me a local network.”

– Eric M., Wealth Management Advisor

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