Why a Certified Financial Planner (CFP) Professional?

CFP® professionals are an essential resource in today’s complex financial environment. Although many individuals call themselves, “financial planners”, CFP® professionals have completed extensive training and experience requirements and are held to rigorous ethical standards and a high level of professionalism . CFP Board's Standards of Professional Conduct require CFP professionals to look out for your interests above their own.

To earn the CFP® certification and remain certified as a CFP professional, individuals must meet four main requirements:

Education

Unlike many financial advisors, CFP® professionals are required to complete a comprehensive course of study at a college or university with a curriculum approved by the CFP Board. As part of their ongoing education, CERTIFIED FINANCIAL PLANNER™ Professionals must complete 30 hours of continuing financial planning education every two years.

Examination

CERTIFIED FINANCIAL PLANNER™ Professionals must successfully pass the CFP Board's comprehensive certification exam, which tests an individual's knowledge of various areas of financial planning, including tax planning, retirement planning, estate planning, investment management and insurance.

Experience

CERTIFIED FINANCIAL PLANNER™ Professionals must have a minimum of three years’ experience in the financial planning field prior to earning the right to use the CFP® certification marks.

Ethics

CERTIFIED FINANCIAL PLANNER™ Professionals are held to the highest of standards when it comes to ethics and professional responsibility. The CFP Board's Code of Ethics outlines CFP® professionals’ obligations to uphold principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence. The Rules of Conduct require CFP professionals to put clients’ interests above their own, and to provide their financial planning services as a "fiduciary" — acting in the best interest of their financial planning clients.


CFP,® CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame logo) are certification marks owned by Certified Financial Planner Board of Standards. These marks are awarded to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

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