Did you know that anyone can call themselves a “financial planner?” Most people think all financial planners are certified, but that is not the case.

In 2000, I became a Certified Financial Planner™ practitioner, desiring the accountability and responsibility that becoming certified requires. Unlike many financial advisors, CFP professionals are required to complete a wide-ranging course of study at a college or university with a curriculum approved by the CFP Board. We must then pass the comprehensive CFP certification exam, which tests our ability to apply financial planning knowledge to real-life situations. Covered topics include the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management, and insurance. This allows me, as a CFP practitioner, to provide a holistic approach when working alongside my clients.

CFP professionals must have a minimum of three years’ experience in the financial planning process prior to earning the right to use the CFP certification marks. This hands-on experience guarantees that CFP professionals have practical financial planning knowledge, so you can count on them to help you create a realistic financial plan that fits your individual needs.

When it comes to ethics and professional responsibility, I, as a CFP professional, am held to the highest of standards. The Rules of Conduct require CFP professionals to put our clients’ interests above our own, and to provide their financial planning services as a “fiduciary”—acting in the best interest of our financial planning clients. CFP professionals are subject to sanctions if they violate these standards.

CFP Board’s rigorous enforcement of its Standards of Professional Conduct—including releasing disciplinary information to the public—distinguishes the CFP certification from the many other designations in the financial services industry. Through diligent enforcement of its ethical and practice standards, CFP Board provides you with the confidence that your CFP professional is both competent and ethical.

If you desire to have your whole financial life brought together, meet with a Certified Financial Planner™. Although many CFP professionals can and do sell financial and insurance products, I am first and foremost committed to the planning process and partnering with my clients to help achieve their goals.

To request a confidential consultation, contact me directly at (616) 642-9595, or click here.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

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logo2 This communication strictly intended for individuals residing in the states of AL, CA, CO, FL, IN, MI, NC, NY, OH, PA, SC, TX. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Securities and advisory services offered through Commonwealth Financial Network®. Member FINRA, SIPC, a Registered Investment Advisor.

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