Who is an CFP®?

Individuals who hold CFP certification agree to abide by a set of documents collectively referred to as CFP Board’s Standards of Professional Conduct (the Standards), including a Code of Ethics and Professional Responsibility, Rules of Conduct, Financial Planning Practice Standards and Candidate Fitness Standards.

The CFP Board adopted its first code of ethics in 1986. In 2006, the CFP Board’s release of proposed changes to the Standards generated controversy within the financial planning profession by introducing a fiduciary standard of care that was negotiable. Following two public comment periods, the Board adopted a set of revisions that included a non-negotiable fiduciary standard of care for financial planning services.

The CFP Board enforces the Standards through a process outlined in its Disciplinary Rules and Procedures. Hearings for cases involving alleged violation of the Standards are held by CFP Board’s Disciplinary and Ethics Commission, which can impose discipline where appropriate. Disciplinary actions taken by CFP Board, in order of increasing severity, include private censures, public letters of admonition, suspensions, and permanent revocations. Information about the disciplinary history of CFP certificants is available online.

 

Our promise to you.

Driven by Service, Not by Product:

We are independent Fee-Only Financial Advisers that do not earn commissions. Our focus is providing the best financial planning services available without the incentive to sell.

Service With You in Mind:

We understand everyone has different needs when it comes to financial planning; We offer flexible payment plans that tailor to your needs. Compensation can be done hourly, by fixed plans, or monthly remittance.  

Fiduciary Duties: 

We owe our clients fiduciary duties, meaning we put your interests and needs first. We offer in-office meetings or virtual financial planning services, so you are never limited by location.

Money Management:

Our money management process begins with assessing the client's goals and risk tolerance. Once we identify the client's needs, we will then find suitable investments that match each goal.