Who can enroll
Anyone who has passed 12th grade can register. Graduation in any stream is required before the certification is conferred, so final-year students can enrol now.
Recognized and accepted by leading institutions
Exams are booked through authorized testing partners across 75+ Indian cities.
Academic & institutional acceptance
Trusted & recognised worldwide
The shift
From Product Adviser to Succession Architect
Most advisers reach the same ceiling: the client has accumulated the wealth, and the conversation about what happens to it goes to someone else.
No estate planning vocabulary
Wills, trusts, gift deeds, nominations, family settlements — knowing which instrument fits which situation, and why.
Conversations stop at the portfolio
You discuss what the client owns, not how it passes on — which is where the deeper relationship sits.
Referred out to a lawyer
The mandate leaves your desk and the relationship ends there.
Competing on returns
Succession work is measured in decades, not quarters, and it retains the next generation as clients.
CTEP® is built for the point at which a client stops asking how their money grows and starts asking who it goes to.
What is the Chartered Trust & Estate Planner (CTEP®) designation?
CTEP® is a professional designation in trust, succession and estate planning, issued from the USA under the American Academy of Financial Management. It certifies that the holder can structure the transfer of family wealth across generations — drafting and reviewing wills, setting up and administering trusts, working through succession law, and planning for the tax consequences that follow. Where most financial credentials stop at how wealth is built, CTEP® starts at how it is passed on. That makes it the natural second charter for advisers, lawyers and accountants whose clients have already accumulated wealth and are now asking what happens to it.
6 units · 65 lessons
One level, one examination
45 hours of live online instruction across approximately eight weekends, 11:38 hours of recorded lessons, and a single online examination. Most candidates complete the charter in two to three months.
Who earns the CTEP®?
Practising advocates
Lawyers handling wills, probate and family settlements who want a structured financial framework behind the legal drafting.
Chartered Accountants & Company Secretaries
Professionals already advising promoter families, adding succession and estate structuring to compliance and advisory work.
Financial planners & wealth managers
Advisers whose clients have crossed the accumulation stage and are now asking about transfer, legacy and family governance.
Family office professionals
RMs serving HNI and UHNI clients who need to hold a credible conversation about trusts and estate structures
Private bankers & relationship managers
Differentiate yourself in placements before you have experience to point to.
NRI & cross-border advisers
Professionals dealing with assets, heirs and wills spread across jurisdictions — a segment CTEP® is built around.
No prior estate planning background is required. Classes are live online, so the program is open to professionals anywhere in India and abroad.
Trusted by Leading Employers
Our certifications open doors to top companies across the finance industry.
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Program Overview
CTEP® is delivered entirely online. Live classes run at the weekend — three hours on Saturday and three on Sunday, across approximately eight weekends — adding up to 45 hours of instruction. Every session is recorded and placed on your LMS, so a missed Saturday is not a missed module.
Alongside the live classes you get 65 recorded lessons across 6 units, running to 11 hours and 38 minutes, available for a full year. The program closes with a single online examination. Most candidates complete the charter in two to three months.
- Live online instruction: 45 hours of taught classes, not a recorded-only course.
- Weekend schedule: designed around a working week, so nothing collides with office hours.
- Everything recorded: a full session library on your LMS for revision before the exam.
- One examination: a single online paper, 50% to pass, with no multi-level sequence.
Why structured preparation makes all the difference
Estate planning is not a subject you can assemble from search results. The instruments interact — a trust deed drafted without regard to residual estate provisions creates a problem that only surfaces years later, usually in front of a family that has just lost someone.
Where professionals get stuck:
- Instruments learned in isolation — a Will here, a trust there — with no view of how they interact
- Legal knowledge without the tax consequence, or tax knowledge without the drafting
- Personal law, statutory succession and testamentary succession treated as separate subjects
- No structured way to run a client's estate through to a defensible plan
How the program addresses it:
Structured preparation puts the instruments in sequence, teaches you which questions to ask before drafting begins, and gives you a faculty of practising professionals to test your reasoning against. That is the difference between knowing what a trust is and knowing when to recommend one.
A complete trust, succession and estate planning skill set
Wills & testamentary instruments
Drafting, execution, registration and the common failure points that lead to contested estates.
Trust structures & administration
Private, discretionary, MWP Act and charitable trusts - formation, trustee duties and ongoing administration.
Succession & inheritance law
The statutory and personal-law frameworks that govern how estates devolve in India.
Estate & transfer taxation
Tax treatment of gifts, transfers, trust income and the estate as it passes through.
Cross-border & NRI estates
Assets and heirs across jurisdictions, FEMA repatriation, and wills that need to survive in more than one country.
Family governance & business succession
Promoter family arrangements, family constitutions, and passing on an operating business rather than a portfolio.
Your journey from enrollment to charter
No uncertainty after payment
01
Enquire
Speak to an advisor and confirm CTEP® is the right fit for your practice.
02
Enroll online
Pay securely. Registration and courseware access open for one year.
03
Get LMS access
65 recorded lessons across 6 units, available immediately.
04
Join the live batch
Weekend classes begin — three hours Saturday, three hours Sunday.
05
Complete 45 hours
Approximately eight weekends of live instruction, all recorded for revision.
06
Prepare
Revise from the session library and the recorded lesson set.
07
Register for the exam
Pay the exam fee and book your online slot.
08
Earn your CTEP® charter
Clear the examination at 50% and receive your certificate, issued from the USA.
Faculty
◆Learn from practitioners, not presenters
Dr. Deepak Jain
Director & Co-founder, AAFM® India
25+ years in wealth management and estate planning. Author of 26 books on finance; has led AAFM India to train 45,000+ individuals including 30,000+ wealth managers.
Saurabh Jain
Faculty, AAFM® India
CA, CS, CFA, FRM, CFP (US), CWM®, CTEP, CISI (UK), CCRA, CIRA, AIM
A multi-credentialed finance professional bringing deep expertise across accounting, risk, wealth management and estate planning.
Himanshu Patodi
VP – HSBC Bank
CWM, CTEP, IIM-Mumbai
A transformational leader with 2 decades of experience in global premier banking, designing wealth strategies that bridge borders, insights and legacies.
The curriculum: 6 units, one level, one integrated framework
Six units taking you from the foundations of estate planning through the laws that govern succession, the drafting of Wills, the formation and administration of trusts, and finally cross-border estates. Every unit maps directly to the CTEP® certification examination.
Level-1 59 Lessons 11:38:43
Unit - 1 Introduction to Estate Planning
7 Lessons
00:39:04 Hours
-
Chapter 1 - Introduction to Estate planning
.
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Chapter 2 - Introduction to Estate planningEstate Planning Process
.
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Chapter 3 - Goal Setting
.
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Chapter 4 - The Basic Tools of Estate Planning
.
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Chapter 5 - Business Succession Planning
.
-
Chapter 6 - Philanthropy and Charitable Planning
.
-
1. CTEP® Orientation by Mr. Jitesh Kapoor
00:39:04
Unit - 2 Laws Affecting Estate Planning
9 Lessons
02:38:08 Hours
-
Chapter 1 - Introduction to Law
.
-
Chapter 2 - Meaning and Essentials of a Contract
.
-
Chapter 3 - Law of Agency
.
-
Chapter 4 - Formation of Companies
.
-
Chapter 5 - Various Acts
.
-
Chapter 6 - Anti Money Laundering And Due Diligence
.
-
Chapter 7 - Hindu Personal Law
.
-
Chapter 8 - Muslim Personal Law
.
-
2. Introduction of Chartred Trust & Estate Planner - By Mr Sudhir Sinha
02:38:08
Unit - 3 Personal & Intestate Succession Laws in India
14 Lessons
02:45:35 Hours
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Chapter 1 - Introduction
.
-
Chapter 2 - Indian Succession Act, 1925
.
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Chapter 3 - Hindu Succession Act
.
-
Chapter 4 - Coparcenary Property Under HSA
.
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Chapter 5 - Succession in Case of Males Under HSA
.
-
Chapter 6 - Succession in Case of Females Under HSA
.
-
Chapter 7 - Minority and Guardianship Act 1956
.
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Chapter 8 - The Hindu Adoption and Maintenance Act, 1956
.
-
Chapter 9 - Mitakshara and Dhayabaga Schools of Hindu Law
.
-
Chapter 10 - Muslim Law
.
-
Chapter 11 - Gifts Under Muslim Law
.
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Chapter 12 - Wakfs Under Muslim Law
.
-
Chapter 13 - Goa Civil Code
.
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3- Chartered Trust Estate Planner CTEP By Dr. Deepak Jain
02:45:35
Unit - 4 Wills and Testamentary Succession
14 Lessons
02:40:07 Hours
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Chapter 1 - Introduction to Testamentary Succession
.
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Chapter 2 - Eligibility and Capacity to Make a Will
.
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Chapter 3 - Different Types of WILLS
.
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Chapter 4 - Execution, Attestation and Registration of Wills
.
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Chapter 5 - Revocation, Alteration and Revival of Wills
.
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Chapter 6 - Beneficiaries and Bequests Under a Will
.
-
Chapter 7 - Property Subject to Testamentary Disposition
.
-
Chapter 8 - Probate and Letters of Administration
.
-
Chapter 9 - Drafting a Legally Valid Will
.
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Chapter 10 - Special Considerations for Testamentary Succession
.
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Chapter 11 - NRI Wills
.
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Chapter 12 - Executing a Will
.
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Chapter 13 - Tax Implications of Succession
.
-
4. Chartered Trust Estate Planner CTEP By Dr. Deepak Jain
02:40:07
Unit - 5 Trust Planning in India
10 Lessons
02:55:49 Hours
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Chapter 1 - Foundations and Legal Framework
.
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Chapter 2 - Creation and Management of Trusts
.
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Chapter 3 - Managing Trust Property and Assets
.
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Chapter 4 - Trust for UnBorn Person and other Relatives
.
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Chapter 5 - Regulatory and Compliance Considerations
.
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Chapter 6 - Oral and Specific Beneficiary Trusts
.
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Chapter 7 - Religious and Charitable Trusts
.
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Chapter 8 - Practical Considerations and Advanced Topics
.
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Chapter 9 - Modern Challenges and Future Considerations
.
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5. Chartered Trust Estate Planner CTEP By Dr. Deepak Jain
02:55:49
Unit - 6 International Estate Planning
5 Lessons
00:00:00 Hours
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Chapter 1 - Estate Planning in Singapore
.
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Chapter 2 - Estate Planning in the UK
.
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Chapter 3 - Estate Planning in the US
.
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Chapter 4 - Estate Planning in the UAE
.
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Chapter 5 - FEMA Regulations in Estate Planning
.
Our alumni work at India's leading wealth institutions
CWM® charterholders serve in private banking, wealth advisory, financial planning, and portfolio roles across these organizations — part of a 300,000+ global alumni network.
Your charter - tangible, verifiable, yours
Verified in seconds
Every CTEP® charter can be verified online by employers and clients at AAFM India's official verification page. Your designation is a credential, not a claim - and verification is what separates the two. Use the CTEP® mark after your name on your resume, LinkedIn, business card, and client communication. CertificationValidityChecks
One level, one charter
Eligibility
No prior background needed
The curriculum builds the law from the ground up in a practical, case-based way. No legal or accounting background is required.
Open to professionals anywhere
Classes and the examination are both online, so the program is open across India and abroad. The certification is recognised in 150+ countries.
Earn it, don’t buy it
The certification exams
Question
Answer
Examinations
One. CTEP® is a single-level charter — there is no multi-level sequence.
Mode
Online
Passing score
50%
Eligibility
Register after 10+2. Graduation in any stream is required for the certification to be awarded.
Certificate
Issued from the USA under AAFM® international standards.
Exam fees — payable separately at booking
Exam
Fee
GST
Payable at booking
CTEP® certification examination
₹5,000
₹900
₹5,900
The examination fee is not included in the program fee and is paid at the point of exam registration.
The counsellor call, replaced
Fees, exams & eligibility — answered
Everything you'd normally ask a counselor, answered here.
Fees and enrollment
₹60,000 + 18% GST for the program (₹70,800), plus a ₹5,000 + 18% GST examination fee (₹5,900) paid separately at exam registration. Total ₹76,700.
No. The examination fee is separate and payable when you book your exam slot.
All fees are non-refundable once paid. We state this upfront so you can decide with complete information.
Your LMS activates within 24 hours of payment, with all 65 recorded lessons available immediately.
Exams and eligibility
Fully online. Live classes run over video at the weekend, and every session is recorded to your LMS.
Saturday and Sunday, three hours each day, across approximately eight weekends — 45 hours in total.
Most candidates complete it in two to three months. Registration and courseware access run for a full year.
One, conducted online. The passing score is 50%.
Anyone who has passed 12th grade. Graduation in any stream is required before the designation is conferred.
No. The curriculum builds the law from the ground up in a practical, case-based way. It is most commonly taken by advocates, chartered accountants, financial planners, private bankers and family office professionals.
Yes. Classes and the examination are both online, and the certification is recognised across 150+ countries.
CWM® covers wealth management and financial planning broadly. CTEP® is specialised in what happens to wealth at transfer — wills, trusts, succession law and estate taxation. Many professionals hold both.
Why now
◆The demand behind the credential
150+
Countries where the certification is recognised
AAFM®
300,000+
Certified professionals in the global network
AAFM®
17
Countries with direct AAFM® presence
AAFM®
30+
Years the standard has been in place
AAFM®, est. 1996
In their own words
◆Charterholder stories
CTEP® holders on what the credential changed for them.
How Will & Trust planning transformed his MFD business.
Sanjay Sharma Mutual Fund Distributor
Why CTEP® is the most practical course for estate & succession planning.
Programme overview AAFM® IndiaGlobal community
◆ AAFM®-certified professionals practise in the world’s major financial centres
Not sure whether CTEP® fits your practice?
Talk to an advisor about how the charter sits alongside your current qualification and where it takes your client conversations.
Talk to a Career Expert →Self-paced or live
◆Choose your Study Mode
Two ways to earn the CWM® charter. Both include your student registration fee and 12-month LMS access, both lead to the same charter, and exam fees are separate.
Study on your own schedule
₹34000
+ 18% GST
₹40120 payable today
- 1 Year Registration
- 1 Year Online Courseware Access
- 45 Hours of Live Online Classes
- 6 Units · 65 Lessons · 11:38 Hours Recorded
- Every Live Session Recorded to Your LMS
- Access on Mobile and Desktop
- Dedicated Learning Support
Guided, live and structured
₹70000
+ 18% GST
₹82600 payable today
- 1 Year Registration
- 1 Year Online Courseware Access
- 45 Hours of Live Online Classes
- 6 Units · 65 Lessons · 11:38 Hours Recorded
- Every Live Session Recorded to Your LMS
- Access on Mobile and Desktop
- Dedicated Learning Support
Join a global network of 300,000+ certified professionals.
Everything you need to become a CTEP® charterholder — 45 hours of live online instruction, a full recorded library, and one examination — in two to three months.
Enroll in CTEP® Today →
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