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Financial management comprises of four majors: finance, personal financial planning, real estate, and risk management and insurance. Graduates are qualified for corporate financial management positions such as financial analysts, capital budgeting managers, credit managers, or cash control and risk managers; portfolio management positions like securities analysts, account executives, or portfolio manager/analysts; bank management positions include lending officers, marketing officers, or loan analysts; or entrepreneurs running their own businesses.There are many opportunities for financial planning graduates due to the shift in business and government away from company provided pension plans to plans individuals have to fund and manage. Opportunities exist as independent planners, in human resource departments, as well as in the investments and insurance brokerage industries. Real estate graduates are employed as appraisers, sales and leasing agents, property managers, developers, and lending officers. Risk management and insurance graduates become corporate risk managers; employee benefits specialists; business continuity professionals; loss control specialists; and underwriters, claims adjusters, actuaries, field reps, and producers (both agents and brokers) for personal and commercial lines property-casualty and life-health insurers.