I have been a Registered Representative since 1984. I attained the CERTIFIED FINANCIAL PLANNER™ certification in 1989. I have voluntarily agreed to meet rigorous education, examination and experience standards required of CFP® certificants. I participate in ongoing professional education. And, I strive to 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 a 10 hour 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(R) 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(R) 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 agreed to disclose any investigation or legal proceedings related to my professional or business conduct.