Michael DiLullo, MS, CFP®

Michael DiLullo has been a Registered Representative since 1982. He has been a CERTIFIED FINANCIAL PLANNER™ practitioner since 1990 and completed a Master of Science degree program with an academic emphasis in financial planning in 1995. He has voluntarily agreed to meet rigorous education, examination and experience standards required of CFP® certificants. Michael participates in ongoing professional education. And, he strives to follow a strict code of professional ethics and standards of practice.  The standards he adheres to are promulgated and enforced by Certified Financial Planner Board of Standards Inc. CFP Board refers to these standards as “the 4Es.”

• Education. He completed an education requirement to demonstrate to CFP Board that he has the theoretical and practical financial planning knowledge to practice personal financial planning. In addition, every two years, he completes a minimum of 30 hours of continuing education to stay current with developments in the field.
• Examination. He passed a 10 hour exam administered by CFP Board to test his 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, he fulfilled a minimum of three years’ experience in the financial planning process.
• Ethics. He agrees 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. He also has agreed to submit to background checks by CFP Board and have agreed to disclose any investigation or legal proceedings related to his professional or business conduct.