Working with a CFP

The Benefits of Working with a Certified Financial Planner®:

  • The peace of mind that comes with knowing that your personal financial affairs are in order
  • Assistance in establishing and prioritizing your goals and objectives
  • Creation of a comprehensive plan to help you achieve them
  • The time to focus on what you do best

 

What a Financial Advisor Does:

  • Asks for and absorbs information about your whole financial situation
  • Stays current with the financial planning field
  • Helps you learn more about personal financial management in general
  • Helps you develop prudent financial habits
  • Offers specific recommendations with enough background information so that you can make informed decisions
  • Helps you implement and monitor planning decisions
  • Provides reality checks about your financial habits
  • Helps you sort through important value decisions
  • Shows you how to align financial habits with personal values

 

What a Financial Advisor Does Not Do:

  • Predict the future
  • Guess what you are thinking, but not talking about
  • Guarantee performance
  • Protect you from the consequences of destructive financial habits that you do not address yourself
  • Go beyond the role of advisor into the role of therapist
  • Magically get you as much money as you would like to have
  • Earn higher than average returns year after year

 

Your Responsibilities as a Client:

  • Provide necessary background information so that the advisor can develop informed judgments and recommendations
  • Be ready to consider new information
  • Ask for clarifying information when you do not understand something
  • Be forthcoming about your personal values, including goals, concerns, preferences, and worries
  • Consider the advisor's comments and written communications and to correct any misimpressions implied by these communications

 

What We Can Do for One Another:

  • Be prompt for appointments
  • Respond promptly to requests
  • Listen well
  • Have reasonable expectations
  • Be frank about ideas or situations that make you uncomfortable

 

What Satisfied Clients say about their Financial Advisor:

"I feel like I have someone on my side."

"I finally know where I am financially and what I need to do next."

"Now I feel organized, in control and on top of my financial life."

"What's really been great is finally having a point of view about my portfolio that makes sense and that allows me to stay the course!"

"I can ask any question, no matter how basic and get a useful answer."

"I can't believe how much I've learned."

"Who would have thought that a financial advisor would help me sort through life goals? And then show me how to make it all happen financially?"

"When I was going through the divorce - or when I was widowed - or when I was going through the adjustment to a big promotion - or got an inheritance - or decided to retire, I was paralyzed by all of the paperwork and all of the decisions. My advisor got me through that period of change, kept me financially safe, and led the way towards my new financial life. Now I'm in good shape."

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What is a CFP?

CFP® stands for Certified Financial Planner®. CFP® is a designation awarded by the Certified Financial Planner Board of Standards. To earn the right to use the CFP® certification marks, an individual must complete competency requirements in three distinct areas; education, examination, and experience.

The education requirement is fulfilled by completing a wide-ranging course of study at a university that offers a financial planning curriculum. The examination is a comprehensive, two-day, 10-hour exam that covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance.

An individual is required to have a minimum of three years of experience in the financial planning process prior to earning the right to use the CFP® mark. In addition to the rigorous certification requirements including initial and continuing education, examination and experience standards, Certified Financial Planner® practitioners agree to adhere to a strict code of ethics and practice standards.

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