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Trusted by 250,000+ Professionals
"Steven was knowledgeable and thorough…”
Steven was knowledgeable and thorough in his information about the product and what is offered. He was empathetic to my situation. He went above and beyond answering all of my many questions. Excellent service!
Crystal lovejoy
"Great Customer Service”
Great service and very patient as I asked several questions. Steven answered all my questions and helped me make the right decision in my subscription purchase. Thank you.
Lori corry
"It is what it advertised to be”
It is what it advertised to be. Professional quality training and CPE tracking and certificates; systems knows AZ CPA CPE requirements and categories. I've needed help on several occasions and the assistance was quick and effective; however, there were some problems with data entry. The assistance sometimes asks for input, but when I try to type it is dissallowed for some reason. On several occasions I had to close the popup to get it out of my way.
Brian Carey
"Great customer service”
Great customer service. Classes are pertinent. Great value
Steve
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The cheapest way to complete CFP continuing education is to combine free courses from CFP Board-registered sponsors with one low-cost annual subscription that includes the 2-hour CFP Board Ethics course and reports your credits automatically. CFP professionals need 30 CE hours every two years, including that ethics course. The goal is to pay once for a full cycle instead of buying credits one course at a time.
Done well, most planners can cover a full reporting period for about the price of a single annual subscription, often under $200. This guide shows where free CFP CE credits actually come from, which ethics platforms report to CFP Board for you, and which affordable CFP CE providers replace the expensive per-course options.
It also covers the fees that quietly raise your CE bill and how the coming move to 40 hours changes your budget.
In 2027, the CFP CE requirements stay the same. CFP Board still requires 30 hours of continuing education in each two-year reporting period: a 2-hour, pre-approved CFP Board Ethics course and 28 hours of general CE covering one or more of CFP Board’s Principal Knowledge Topics. Knowing exactly what counts is the first step to spending less, because every dollar spent on a course that doesn’t count is wasted.
| Requirement | What it means for your budget |
|---|---|
| 30 hours every 2 years | Plan and pay for one full cycle, not one course at a time |
| 2-hour CFP Board Ethics CE | Must be a CFP Board pre-approved ethics program; other ethics courses count only as general CE |
| 28 hours of general CE | Any CFP Board-registered program on a Principal Knowledge Topic |
| Sponsor reporting | Registered sponsors report completions within 14 days at no cost to you |
| Non-registered courses | $60 non-refundable fee per program to self-report, with no guarantee of acceptance |
| Teaching and authorship | Self-reported with no fee; generally capped at 15 hours per period |
| Late processing | $75 late fee if requirements are not processed by the end of the period |
CFP Board approved an increase from 30 to 40 hours per two-year cycle in January 2026. The new cycle requires 38 hours of general CE and the same 2 hours of ethics. Up to 5 hours can focus on practice management, and up to 10 excess general hours can carry into the next cycle. Ethics hours cannot carry over.
The effective date has moved. CFP Board's announcement was updated on September 1, 2026, shifting implementation from Q1 2027 to Q4 2027, and the change applies from the first full renewal cycle that starts after that date. Some CFP Board pages still show the earlier date, so confirm your own cycle in your CFP Board account.
For budgeting, the math is simple. A 40-hour cycle is 33% more hours. If you pay per course, your CE bill rises by about a third. If you pay a flat annual subscription, it doesn't rise at all.
The cheapest way to get 30 hours of CFP continuing education is to start with free courses from CFP Board-registered sponsors, then fill the rest, including the 2-hour ethics course, with one flat-fee subscription or a membership you already pay for. Here are the options ranked from lowest to highest cost per hour.
The table below shows illustrative costs for one 30-hour cycle. Per-course pricing varies widely by provider, so the pay-per-course row uses an assumed $20 per credit hour.
| Approach | Estimated cost for 30 hours | Trade-off |
|---|---|---|
| Existing membership that includes CE | $0 extra | Only works if you already belong |
| Free sponsor courses only | $0 | Thin topic choice; finding an approved free ethics course takes effort |
| Free courses + one annual subscription | $189 to $199 | Best balance of cost, choice, and automatic reporting |
| Pay per course at $20 per hour (assumed) | About $600 | Costs rise by a third when the 40-hour rule starts |
| Non-registered courses, self-reported | Course fees + $60 per program | Most expensive route, and credit may be denied |
A subscription bought once can cover the whole two-year cycle if you finish your hours within the 12-month term. One practical pattern: finish ethics and most general hours during the subscription year, then use free webinars to stay current in the other year.
The cheapest approach for multi-credential financial planners is one subscription that is approved by every body you report to. A CPA/CFP or EA/CFP pays twice when using a CFP-only provider plus a separate CPA or EA provider.
MYCPE ONE covers CFP, CPA, EA, and 100+ other qualifications in one $199 plan. Kitces.com Premier covers CFP, CPA CPE, IWI, and IAR CE, with a separate $36 yearly NASAA fee for IAR reporting. American College designees need 30 hours every two years, including 1 hour of ethics, so overlapping CFP courses can often do double duty.
Any CFP Board-registered CE sponsor that delivers the approved 2-hour CFP Board Ethics program reports your completion to CFP Board within 14 days, so you don't need to self-report. The best options for cost are platforms that include ethics in a subscription or membership, such as MYCPE ONE and Kitces.com Premier, rather than selling it as a separate purchase.
CFP Board writes and updates the ethics curriculum itself, and audits every self-study ethics program before it goes live. That means the core content is the same across approved providers. What differs is price, format, and how fast credits post.
| Platform | Ethics format | How reporting works | Cost model | Best for |
|---|---|---|---|---|
| MYCPE ONE | 2-credit on-demand video, Ethics CE: CFP Board's Revised Code and Standards | Reported to CFP Board as a registered sponsor (Sponsor ID 8061) | Included in the $199 unlimited subscription and the 30 CE package for CFP | Planners who want ethics and all 28 general hours in one plan |
| Kitces.com Premier | Kitces-written CFP Ethics CE | Submitted to CFP Board on the 1st and 16th of each month | Included in the $189 annual membership | Planners who already read Kitces content |
| FPA Learning | Live 120-minute CFP Ethics: Code of Ethics and Standards of Conduct | Reported by FPA as a registered sponsor | Member and non-member pricing | FPA members who prefer a live session |
| Kaplan (College for Financial Planning) | OnDemand, Live Online, or Onsite | Reported by Kaplan as a registered sponsor | Separate purchase; not included in Total Access CE | Planners who want a classroom option |
| WebCE | Online self-study, Ethics CE: A Practical Application of CFP Board's Code and Standards | Completions reported twice every business day | Pay per course | Fast posting of a single course |
| Orion Advisor Academy | Online Ethics for CFP Professionals | Check the program ID in CFP Board's search tool | Free | Lowest cost, if the current 2-hour version is listed |
If you fail a self-study ethics exam more than three times, CFP Board's rules require you to restart the course from the beginning. Read all the material before the exam to avoid paying twice.
The best alternatives to expensive CFP CE providers are flat-fee subscriptions and memberships that include the CFP Board Ethics course, such as MYCPE ONE at $199 a year and Kitces.com Premier at $189 a year, plus free catalogs from FPA and asset managers. These replace per-course pricing, where every credit hour adds to the bill.
Expensive CE usually isn't about one high-priced course. It's about paying separately for ethics, for each general course, and sometimes for a second provider to cover another credential.
| Provider | Pricing model | Published price | CFP Board Ethics included? | Reports to CFP Board for you? | Other credentials covered |
|---|---|---|---|---|---|
| MYCPE ONE | Unlimited annual subscription | $199 per year | Yes | Yes (Sponsor ID 8061) | CPA, EA, CMA, CFE, and 100+ qualifications |
| Kitces.com Premier | Annual membership | $189 per year | Yes | Yes, twice a month | CPA CPE, IWI, American College, IAR CE (plus $36 NASAA fee) |
| FPA Learning | Membership plus per-course | Many courses free to members; journal exams $49 for non-members | Live ethics sessions offered | Yes | FPA chapter events |
| Free sponsor catalogs (Orion, Vanguard via Quest CE, BlackRock) | Free | $0 | Orion lists a CFP ethics course | Varies; confirm registration | Mostly practice management and investments |
| Kaplan Total Access CE | Unlimited library | Check current pricing | No, ethics sold separately | Yes | College for Financial Planning designations |
| WebCE | Pay per course | Example: $12.95 for a 1-hour ethics and fraud course | Sold separately | Yes, twice every business day | Insurance and securities CE |
Prices as listed on provider sites when checked in November 2026. Promotions change often, so confirm before you buy.
A subscription costs less once your per-course spend would pass the subscription price. At an assumed $20 per credit hour, that happens at about 10 hours, or a third of one cycle. With the 40-hour rule coming, the break-even point arrives even earlier in relative terms.
Pay-per-course still makes sense if you only need a few hours to close a gap, or if your employer already covers most of your CE.
The biggest hidden costs in CFP continuing education are CFP Board fees for non-registered courses and late processing, plus paying twice for ethics. None of them buy you extra learning.
| Hidden cost | Amount | How to avoid it |
|---|---|---|
| Self-reporting a non-registered course | $60 per program, non-refundable | Choose CFP Board-registered sponsors only |
| Late processing | $75 | Finish CE well before the last day of your renewal month |
| Reinstatement after expiry | $100 non-refundable fee | Track hours in your CFP Board account each quarter |
| Buying ethics separately from a library that excludes it | Full course price | Pick a subscription that includes CFP Board Ethics |
| Repeating the same program | No extra credit earned | Check your CE history before enrolling |
| IAR CE reporting through some providers | $36 per year (NASAA fee) | Budget for it only if you need IAR CE |
The annual CFP certification fee is $575 as of October 1, 2025. You can't avoid it, which is one more reason to keep CE spending lean.
Reducing the cost of CFP continuing education comes down to three choices: use registered sponsors only, get the CFP Board Ethics course inside a plan instead of buying it alone, and replace per-course spending with one flat fee. Add free CE where it fits, and claim teaching or authorship hours when you earn them.
With the requirement moving to 40 hours, a flat-fee approach saves more every cycle.
Ready to complete your 30 hours in one place? Explore MYCPE ONE's CFP Board-approved CE courses or get the 30 CE package for CFP professionals, including 2 hours of ethics, with credits reported to CFP Board for you.
The cheapest way is to use free courses from CFP Board-registered sponsors, then cover the remaining hours and the 2-hour ethics course with one flat-fee subscription. Plans such as MYCPE ONE at $199 a year include ethics and report credits to CFP Board automatically.
It is possible but hard. Free courses from FPA, Orion Advisor Academy, Vanguard via Quest CE, and BlackRock can cover many general hours. Finding a free, current CFP Board-approved ethics course takes more effort, and free catalogs often lean toward investment and practice management topics.
Every approved CFP Board Ethics course delivered by a registered CE sponsor is reported automatically, within 14 days of completion. MYCPE ONE, Kitces.com Premier, FPA, Kaplan, and WebCE all offer the approved ethics program and report on your behalf.
CFP continuing education can cost $0 to several hundred dollars per two-year cycle. Free courses cost nothing, flat-fee subscriptions run about $189 to $199 a year, and paying per course at around $20 an hour puts 30 hours near $600.
Yes, if the course is registered with CFP Board and covers a Principal Knowledge Topic. Free courses from unregistered sources must be self-reported for a $60 fee per program, and CFP Board may still decline them.
A non-approved ethics course can count as general CE if it meets CFP Board's standards, but it will not satisfy the 2-hour ethics requirement. You would still need to take an approved CFP Board Ethics program.
Not under the current 30-hour rule. Once the 40-hour requirement takes effect, CFP Board will let you carry up to 10 excess general CE hours into the next cycle. Ethics hours cannot carry over.
A subscription is worth it if you need more than about 10 hours from paid sources in a cycle. It also removes the separate ethics purchase and handles CFP Board reporting, which saves time as well as money.
Use a single provider approved by every body you report to. MYCPE ONE covers CFP, CPA, EA, and 100+ other qualifications under one $199 subscription. Kitces.com Premier covers CFP, CPA, IWI, and IAR CE, with a $36 yearly NASAA fee for IAR reporting.
CFP CE is due by the end of your two-year reporting period, which ends on the last day of your certification renewal month. Your exact date is shown in your CFP Board account.
The author, Nick Branson is a CPA and Co- president of MYCPE ONE – Continuing Education Platform for Professionals. He has experience of more than 2 decades in the field educating the top professionals in the field of CPA, CMA, CIA and many more.
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