Pro Bono Service – A total of 4 hours of the remaining 30 CEs to achieve the 60 CEs required (or 15 CEs to achieve 45 CEs) may be earned by providing free, no-strings-attached financial advice and planning for underserved people, including low-income individuals and families, military personnel/veterans (see Building Homes for Heroes), and domestic violence survivors, as well as people affected by natural disasters, serious medical crises, or bankruptcy. This pro bono service must be provided by or in conjunction with a volunteer CFP professional.