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RETIREMENT PLANNING | SURVIVOR PLANNING | DIVORCE PLANNING

What is a CFP®?

The CFP® marks represent a CERTIFIED FINANCIAL PLANNER™ designation. An individual who has earned these marks has met the education, examination, experience and ethics standards established by the CERTIFIED FINANCIAL PLANNER™ Board of Standards (CFP® Board). Therefore, a financial planner who has earned the CFP® marks should be distinguished from a financial planner who has not. Consumers need to be aware that there is nothing preventing a person from declaring themselves a "Financial Planner", and it is therefore incumbent upon the consumer to differentiate between a planner who has earned the marks and one who hasn't.

 

 

If a financial planner has earned the right to use the CFP® marks, this means that he or she has met the following requirements:

 

Education: There are three ways to meet the CFP® certification education requirement:

 

  1. Completing an education program at a college or university whose curriculum is registered with the CFP® Board; or

  2. Submitting a transcript of previous financial planning-related course work to the CFP® Board for review and credit; or

  3. Showing the attainment of certain professional designations or academic degrees.

 

Examination: Candidates for the CFP® certification must pass a rigorous two-day, 10-hour CFP® Certification Examination administered by the CFP® Board that covers the financial planning process and includes such topics as tax planning, employee benefits and retirement planning, estate planning, investment management and insurance.

 

Experience: Candidates for CFP® certification must prove they have experience in the financial planning process before being authorized to use the CFP® marks.

 

Ethics: Candidates for CFP® certification have their backgrounds checked by the CFP® Board, and must also disclose any investigations or legal proceedings related to their professional or business conduct. The CFP® Board reviews all such disclosures and investigates those statements that indicate areas of concern.

 

Candidates must also adhere to the CFP® Board's Code of Ethics and Professional Responsibility and Financial Planning Practice Standards.

 

Additionally, once certified, CFP® certificants must fulfill a biennial continuing education requirement to stay up-to-date on planning strategies and financial trends affecting their clients.

 

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete

CFP Board's initial and ongoing certification requirements.

25586 Bagley Rd. - Suite 2 ; Olmsted Falls, OH 44138

Phone: 440.801.1007 | info@plumcreekwealth.com

  

Investment Advisory Services offered through Independent Advisor Representatives of Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC, to residents of Ohio, Pennsylvania, North Carolina, Georgia, Maryland, and Illinois. Cambridge and Plum Creek Wealth Advisors are not affiliated.