Why work with a Certified Financial Planner™?

Anyone can claim to be a “financial planner.”  But not just anyone can call himself or herself a Certified Financial Planner™ professional.

It’s important to understand the difference.  Allow me to take this opportunity to briefly explain why.  I have earned the right to call myself a CFP® professional because I have voluntarily agreed to meet rigorous education, examination and experience standards.  I participate in ongoing professional education.  And, I follow a strict code of professional ethics and standards of practice.

The standards I adhere to are promulgated and enforced by CERTIFIED FINANCIAL PLANNER™ Board of Standards Inc.  CFP Board refers to these standards as “the 4Es.”

  • Education. I completed an education requirement to demonstrate to CFP Board that I have the theoretical and practical financial planning knowledge to practice personal financial planning.  In addition, every two years, I complete a minimum of 30 hours of continuing education to stay current with developments in the field.

  • Examination. I passed an exam administered by CFP Board to test my understanding of the financial planning process, tax planning, employee benefits, retirement planning, estate planning, investment management and insurance.

  • Experience. Before earning the CFP® certification, I fulfilled a minimum of three years’ experience in the financial planning process.

  • Ethics. I agree to abide by CFP Board’s Code of Ethics and Professional Responsibility. The Code of Ethics requires CFP® certificants to act fairly and diligently, with integrity and objectivity, when providing financial planning services to clients.  I also have agreed to submit to background checks by CFP Board and have promised to disclose any investigation or legal proceedings related to my professional or business conduct.