Suggested Reference List - PFFE

It is not intended that candidates purchase and read all of the books and articles listed in this reference list.  Since the information tested in the examination pertains to entry-level practice, this additional information serves only as a supplement to one’s understanding of basic knowledge and application. A reference list is not intended to be inclusive but is provided to allow flexibility. The candidate is encouraged to supplement his or her education and experience by reviewing other resources and finding information in areas which he or she may consider himself or herself not as skilled or experienced. This reference list is not intended to endorse any particular text or author. Although the list may include more than one reference that covers a Standard, one such reference may be enough. The candidate may also have resources available that are not on the list but which will adequately cover the Standard. The list does not represent the only set of references to be used as study material. Questions in the examination are also developed from information gained through practical application. Use of the references does not guarantee successful completion of the test. AAFCS does not endorse or suggest the use of any materials found through online methods (flashcards, study prep book) as they are in no way tied to the exam or AAFCS.

Please Note: Updated versions/editions of the materials are acceptable.


  • Chamberlain, V. M., & Cummings, M. N. (2003). Creative Instructional Methods for Family and Consumer Sciences.  New York: Glencoe/McGraw-Hill.
  • Galbraith, M. W. (2004, 3rd edition).  Adult Learning Methods: A Guide for Effective Instruction. Malabar, FL: Krieger Publishing.
  • Garman, E. T., & Forgue, R. (most recent edition). Personal Finance. South-Western College Publishing.
  • Garman, E. T., Xiao, J. J., & Brunson, B. H. (2003, 3rd edition). The Mathematics of Personal Financial Planning: Using Calculators and Computers. Thomson Learning.
  • Kapoor, J., Dlabay, L., & Hughes, R. J. (most recent edition). Personal Finance. McGraw-Hill/Irwin.
  • Xiao, J. J. (2010). Handbook of consumer finance research. New York: Springer Science + Business Media, LLC.


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