A Financial Planner Helps You:

  • Set realistic financial and personal goals.
  • Assess your current financial health by examining your assets, liabilities, income, insurance, taxes, investments and estate plan.
  • Develop a realistic, comprehensive plan to help meet your financial goals by addressing financial weaknesses and building on financial strengths.
  • Put your plan into action and monitor its progress.
  • Stay on track to meet changing goals, personal circumstances, stages of your life, products, markets and tax laws.

The Four E’s to Becoming a CERTIFIED FINANCIAL PLANNER™ Professional:

  • Education – Most CFP® professionals have earned a four-year college degree in finance related areas. CFP® practitioners develop theoretical and practical financial planning knowledge by completing a comprehensive course study at a college or university offering a financial planning curriculum registered with the Certified Financial Planner Board of Standards.
  • Examination – CFP® practitioners must pass a comprehensive two-day examination that tests their ability to apply their financial planning knowledge in an integrated format. The CFP Board’s exam covers the general principles of financial planning, insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning and estate planning. It is also necessary for every CFP® certificant, once certified, to complete a re-certification every two years.
  • Experience – CFP® practitioners must have a minimum of three years' experience working in the financial planning process prior to earning the CFP® mark. As a result, CFP® practitioners have demonstrated a working knowledge of counseling skills in addition to their financial planning knowledge.
  • Ethics – CFP® practitioners must pass an ethics review and agree to abide by the CFP Board’s Financial Planning Practice Standards and a strict code of professional conduct, known as the CFP Board’s Code of Ethics and Professional Responsibility. The Code of Ethics states that CFP® practitioners are to act with integrity, offering professional services that are objective and based on client needs.

Not every financial planner is a CERTIFIED FINANCIAL PLANNER™ professional. You and your family deserve nothing less than to work with a CFP® professional in pursuing your lifelong financial goals.

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