The LUTCF designation combines essential product knowledge with the skills financial professionals must have to advise individuals and businesses effectively on their insurance and planning needs. A key to the program is ethical selling practices, and Ethics for the Financial Services Professional is required for every designee. LUTCF candidates must complete six courses, one required and five elective. The required course is Ethics for the Financial Services Professional. Skills-based training includes how to best meet client needs and the basics of estate planning, retirement planning, and investment planning.