This document describes the essential competencies from secondary through post-secondary associate degree programs for a career in financial services and risk management. Ohio College Tech Prep Program standards are described, and a key to profile codes is provided. Sample occupations in this career area, such as financial accountant, loan counselor, economist, and underwriter, are listed. A table lists year 2003 business core competencies and financial services and risk management competencies by instructional unit and educational level. Next are core business competencies and financial services and risk management competencies, all of which appear by instructional unit. Each competency is accompanied by key indicators. The core instructional units are: career development for business, professional effectiveness, business economics, business communications, accounting, computation, business law, technology, international business, management, marketing, entrepreneurship. The business management units are: professional development and networking, accounting, accounting specialities, accounting research and technology, banking systems, finance, financial management, money and the market, investments, financial planning, real estate, risk management, and insurance. Four appendices contain a list of review panel members; a blank template that can be used to prepare a college preparation pathway, with spaces to list classes and prerequisites; professional associations, certifications and licensure in the field; and a map showing the Ohio Tech Prep Consortia. (SLR)