Hi folks, my first post but I've been reading this valuable forum for a couple of years. I'm an Indy, partner in a CPA firm, 7/65. I have a question about the ChFC exams. I've Roogled, I've checked many articles and other forums, and I can't find an answer, so here we go: For those who have a ChFC, how difficult are the individual exams? As compared to, say, the 7/65? I only ask because I don't have a great deal of free time and don't want to over-study for the individual exams. Also, how helpful are the online study resources at American College? Thanks in advance. .