Last month I shared that CFP Board was sending representatives to Brazil for the meeting of the FPSB Council of Financial Planning Standards Board, Ltd. (FPSB), the non-profit organization that promotes CFP certification outside the U.S. I am happy to announce that CFP Board has entered into a membership agreement with FPSB.

As many of you know, CFP Board has long been involved in promoting CFP certification across the globe. In 1990, in response to inquiries from various territories around the world that expressed interest in developing programs similar to CFP Board’s CFP® certification program, CFP Board established an International CFP Council. CFP Board assisted members of the International CFP Council to develop standards of competence and ethics appropriate for the needs of the professionals and public in their respective territories.

As membership in the International CFP Council grew, the resources required for international matters grew as well. CFP Board determined that it could serve its mission more effectively by focusing its attention and resources on CFP® certification within the U.S. and that it would be more appropriate for CFP certification outside the U.S. to have oversight from an independent organization not tied to the U.S. or any single territory.

CFP Board helped establish FPSB in 2004 and transferred to FPSB ownership of the CFP marks outside the U.S. And CFP Board has provided much support to FPSB since its inception. As the first organization to establish a program for CFP® certification, CFP Board’s experience has been of great value to organizations across the world that sought to establish new CFP certification programs.

While CFP Board’s support of FPSB has been unquestioned, the question of membership with FPSB was one that required careful deliberation. There were concerns about whether FPSB’s activities would be aligned with CFP Board’s non-profit purpose and tax status. There were also concerns about the appearance that CFP Board would be in control of FPSB, which could pose problems with CFP Board’s tax status.

The membership agreement CFP Board developed with FPSB in October 2007 has resolved those concerns. CFP Board’s support of FPSB will be used primarily for activities aligned with CFP Board’s mission and tax status. CFP Board will have representation on FPSB’s committees and working groups. And CFP Board will retain ownership of the CFP® marks in the U.S. and continue its independent operation of the CFP® certification program in the U.S.

As I shared last month, I believe it is important for CFP Board to maintain its relationship with the international financial planning community. Financial planning organizations outside the U.S. are developing standards and best practices different from those CFP Board has established. The number of CFP® professionals in the U.S. currently represents more than half of the CFP professionals in the world, but that proportion will likely change in the near future. Just as our clients are best served when we possess knowledge of the many financial options available to them from sources across the globe, so are we best served by remaining engaged with the global financial planning community.

Karen P. Schaeffer, CFP®
2007 Chair, Board of Directors
CFP Board

Last April, CFP Board announced plans to move its headquarters across the country from Denver to Washington, D.C. during the fourth quarter of 2007. We’re now well into that fourth quarter, and I’m pleased to announce the transition is moving forward as scheduled.

CFP Board’s permanent office space in Washington will soon be ready for occupancy. The staff currently housed in a temporary hiring office in Washington will begin moving to the permanent space in mid-November. The lease agreement for our Denver office requires us to vacate that space by December 31, 2007.

CFP Board has gained many new employees over the past few months. As key leadership positions have been filled, those individuals have hit the ground running and have made good progress in staffing their departments. Throughout the hiring process, we have been pleasantly surprised by the caliber of the individuals seeking positions with CFP Board. As you have opportunity to interact with new members of CFP Board’s staff, I am certain you will be pleased with their talent and dedication to CFP Board’s mission.

A transition like this is one with many moving parts, but we are taking steps to make the transition as seamless as possible for CFP Board’s stakeholders. One of the ways we’ll accomplish that is through parallel staffing: certain positions at CFP Board will have both a Washington-based staff member and a Denver-based staff member employed simultaneously in the same position. For example, if you call CFP Board’s general phone lines during these last weeks of 2007, you may find yourself speaking to a representative in Washington or a representative in Denver. This strategy allows us to train a significant number of new employees while providing the same level of service you have come to expect from CFP Board.

While much of our attention has been focused on transition-related details, CFP Board has been able to make progress toward its goal of having a meaningful role in public policy across the U.S. We’ve participated in Senate hearings and SEC meetings that drew attention to the issues related to CFP® certification. We’ve been responsive to developments in individual states that have potential to affect the financial planning profession, such as the state of Michigan’s unfortunate proposal of a service tax for investment advisory services. Our public policy initiatives are just getting started.

Even with careful planning and preparation, a transition of this magnitude is certain to involve a few bumps along the way. Our goal is to have as few glitches as possible, but if you happen to experience one, I thank you in advance for your patience and understanding.

I’d like to recognize the professionalism of CFP Board’s Denver-based employees, many of whom will not join us in Washington. CFP Board’s employees have had to confront that fact and simultaneously learn to work with a new leadership team. Many have also been involved in the time-consuming process of documenting their knowledge and processes, or sharing that information with new employees. At the same time, CFP Board’s operations haven’t paused, and regular tasks have been completed on schedule. The continued engagement of CFP Board’s Denver staff has gone well beyond what is required for the retention and severance compensation they will receive. I appreciate their dedication, both professionally and personally.

As CFP Board begins operating from its new location, we will do so with awareness that we are building upon a strong legacy built over the years by the many who have contributed to CFP Board’s growth and pursuit of excellence.

Kevin R. Keller, CAE
CEO, CFP Board

Boar tusks in New Guinea; whale teeth on the Fiji Islands; feathers in Santa Cruz; pigs in the New Hebrides. And a bit closer to home: cattle, carrots, cigarettes and baseball cards. What do all these things have in common? At one point or another in history, they were all — along with items such as shells, beans, arrows, drums and rats — used as money.

The words we use for money still reflect the surprising objects that were once common means of exchange. The word ‘money’ itself comes from the Latin Moneta, another name for Juno, in whose temple coins were minted. Pecuniary is also derived from Latin: pecunia, which means cattle. In fact, the etymological roots of many financial terms go back to words for cattle, such as fee (vieh means cattle in German) and capital (caput is the Latin term for head that also denoted ‘head of cattle’). Cattle were clearly a popular currency. In the 17th century, you could pay your Harvard tuition with them.

Today, of course, money is made of paper or metal. But as an object and as an idea, money is still evolving. Money often doesn’t take a physical form at all anymore, thanks to credit and debit cards, online banking and online shopping. Transactions are no longer exchanges of objects but of electronic impulses. New means of exchange are still being invented, too, such as the Local Exchange Trading Systems (LETS) that have sprung up around the world. All of which raises the basic question: What is money, anyway?

It is, perhaps, easier to start with what money is not. Money is not just the cash and coins in our pockets. “True coinage developed in Asia Minor as a result of the practice of the Lydians of stamping small round pieces of precious metals as a guarantee of their purity,” Glyn Davies writes in his 2002 book, A History of Money. “The first real coins were probably minted some time in the period 640–630 BCE. Afterwards the use of coins spread quickly from Lydia to Ionia, mainland Greece, and Persia.” Paper money first appeared in China in the 9th century, with cardboard thaler circulating in the Dutch town of Leiden as early as 1574.

The Dutch are still busy coming up with new currencies. In 2006, Dutch businessman Rob van Hilten launched qoin.com, a Web site that facilitates exchange among small-business owners and entrepreneurs. Participants in the scheme can buy and sell goods and services using “qoins,” a kind of virtual currency worth roughly €1.00. If a member of the qoin network provides, say, design services worth 500 qoins, she is entitled to purchase 500 qoins worth of another product or service — building materials for an office refurbishment, for instance — from someone else in the network.

Systems like qoin can be useful to start-up firms because they enable them to buy equipment and supplies without dipping into cash reserves. So far, qoin.com is active only in the Netherlands. But the non-profit International Reciprocal Trade Association in Rochester, NY is trying to apply the same principle on a wider scale. Bigger firms can use alternative currencies as a way to dispose of excess or under-performing inventory as well as to support local economies.

Community organizations are even starting up their own currencies, using variations on the LETS theme. LETS are indirect barter networks in which goods and services are exchanged without money. As a member of a LETS network, you can earn credits for providing a good or performing a service. If you fix someone’s car, for example, you earn a certain number of credits. These credits can then be spent on another good or service — a roof repair, for instance — from someone else in the network. The local LETS community compiles a directory of the goods and services available, and credits are maintained in a central database.

The trick is, there have to be enough people in the network — offering enough useful goods and services — for you to be able to spend your accumulated credits. The South African New Economy Network runs a LETS in and around Cape Town known as the Community Exchange System (CES). The CES is an online marketplace, where members buy and sell goods and services, as well as an online bank, where each member has an account listing his or her credits and debits.

Given that so many different things have served as money in so many different places and times, it’s clear that the physical object itself is, well, immaterial. “When a favorite trade article comes to be accepted primarily for the purpose of being exchanged for other things, money appears,” Rupert J. Ederer writes in his 1964 book, The Evolution of Money. So if I exchange my Barry Bonds baseball card for your peanut-butter-and-jelly sandwich, that’s money. If I exchange a dozen cattle for a Harvard education, that’s money, too. The objects we exchange in the transaction don’t really matter — as long as we both consider those objects valuable, either in themselves or as a means of getting something else we value.

And this is what money really is: an assignment of value not just to an object — whether it is cattle, baseball cards or cash — but to the relationship between buyer and seller. And the measure of the value of that relationship is trust. When I provide my credit card details to an online shopping site, I trust that I will not only get what I paid for but that my personal details will be protected. When I provide a good or service in a LETS network, I trust that I will get an equivalent good or service back. When I contribute to my company’s pension scheme, I trust that my pension will be properly and professionally managed. When I seek advice from a financial advisor, I trust that the advice will be provided with my best interests at heart. The basis for every transaction, large or small, is trust. Trust is the true coin of the realm.

“Trust increases as we move from barter, where one useful commodity is exchanged for another and where trust is at a minimum, to bank credit, with its almost immaterial nature and maximum premium on trust,” Ederer writes in The Evolution of Money. This is, perhaps, even more true today, in an economy where credit has become a way of life for so many and where money is becoming increasingly abstract.

The 19th century poet Oliver Wendell Holmes, Sr. once observed: “Put not your trust in money, but your money in trust.” That may be sound investment advice but, as far as a definition of money goes, it misses the point. Before it is anything else, money is a matter of trust.

- James Geary

Eddie went right to work after high school. He had no choice, really. He couldn’t afford to go to college and didn’t manage to win a scholarship. So he ended up working as a salesman at Car Fair, earning a starting salary of around $25,000 a year. At the age of 24, he was earning $40,000. He bought a car, rented an apartment. He was pretty pleased with himself.

Then Eddie’s peers, the kids he went to high school with, began graduating from college. They started taking up managerial positions with starting salaries of $50,000. While it took Eddie years to work his way up to the $40,000 mark, his college-educated friends easily surpassed that in their first jobs. And what was even more irritating, some of them became his bosses!

Eddie realized he was trapped. He didn’t have the time or the money to go back to school, and without a college education, he was basically stuck with his current job — and his current salary. “I’m not going to let this happen to me in real life,” he said.

Fortunately for Eddie, what happened to him happened not in real life but in Real Life, a day-long simulation game in which high school students from low-income families in Houston, Texas confront and resolve some of the financial scenarios they are likely to face as young adults. Real Life is run by Kenneth L. Decker, CFP®, and Lorraine Decker through their non-profit organization, Skills For Living, Inc. (S4L). “In low-income households, there is a lot of pressure on children not to go to college but to get a job and start helping to support the family,” says Lorraine Decker. “Both parents and children need to understand that college is an investment that will allow students to significantly increase their incomes. The working poor need to hear this message most of all, and that’s why we decided to go for this group.” CFP Board has awarded S4L a grant to help it do exactly that.

The grant from CFP Board will enable S4L to expand two programs: the Future Leaders program for teens, of which Real Life is a part, and the 20-20 Power Workshops program for adults. The Deckers know just how badly this kind of financial literacy is needed. In some of the Texas counties where S4L is active, high school dropout rates run at 46%. About half of the participants in the S4L programs are low-income African American families, generally headed by single mothers with an average of three young children. The other half of S4L’s constituency consists of low-income Spanish-speaking families, usually headed by a married couple (only one of whom works outside the home, though) with an average of four children. Individuals in S4L programs often work two jobs, sometimes up to 60 hours a week, and earn less than $22,000 a year.

The 20-20 Power Workshops, conducted in both English and Spanish, cover everything from the basics of money management and investment to the finer points of career and estate planning. These free, interactive sessions are organized and taught by financial professionals, who have some ambitious goals for their students. As a result of the nine-month curriculum, S4L aims to help participants increase their annual income and net worth by 20%, pass a comprehensive financial literacy exam, and develop basic computer skills. To spread the financial literacy message to other family members, the teenage children of 20-20 participants are invited to join the Future Leaders program.

Future Leaders is designed to teach financial literacy as well as college and career planning skills to low-income high school students. The objective is for every Future Leader to graduate from high school and go on to college, to understand financial concepts and the value of planning, and to use that understanding to create a college funding strategy and an empowering vision of their future. This is accomplished through initiatives like SOAR (Summer of Awesome Reading), a book club that promotes reading comprehension and critical thinking, and STAR (Success through Active Reading), a similar program for grade school children.

And then, of course, there are the lessons of the Real Life game, which Kenneth Decker describes as “structured chaos.” Real Life is a role-playing game in which teams of four compete with each other to attain the highest aggregate net worth and income. “Within about eight hours, the game takes kids from the age of 18 right through to 25,” Ken Decker explains. “Along the way, they have to make decisions based on the knowledge gained from their financial and career planning courses.” Those decisions involve real-life scenarios like renting an apartment, paying for utilities, buying a home, taking out insurance, filing tax returns and, yes, financing college. Of the four team members, one gets a full college scholarship, one gets a partial scholarship, one is allowed to go to college but without a scholarship, and one (like Eddie) is not allowed to go to college. The teams have to decide for themselves how best to achieve their financial and career goals.

Career counseling is, in fact, a crucial part of S4L’s approach. “We focus on areas on interest rather than specific careers,” says Ken Decker. “We analyze interests and explore what college majors lead to what kind of careers. If someone wants to be a beautician, for example, we find out how much beauticians earn, then integrate that with financial planning to see if the student can actually afford to live on a beautician’s salary.”

For 20-20 participants, career planning helps them develop and market their skills to advance in their current positions or locate even better jobs. “If you do the financial literacy without the career counseling,” Lorraine Decker says, “people can get the impression that they are stuck with what they are. We try to show them that if you work at something you’re passionate about, you will be financially rewarded.”

So far, the rewards of the Decker’s work have been encouraging. The average family income at beginning of the 20-20 course was $20,385, according to S4L; after a year in the program, it was $31,044. The average family net worth at beginning of 20-20 was $6,953; after a year, it was $20,485.

The Future Leaders are learning a lot, too. Ken tells the story of one Future Leader who wanted to become a psychiatrist. Ken researched the average salary of psychiatrists to help the student determine if she could live on that wage. Based on Ken’s result, the student figured she would probably need to get married and that both she and her husband would have to work full-time to afford the kind of lifestyle she wanted.

But then Ken realized he had made a mistake. He had researched the average salary for psychologists; psychiatrists actually earn a lot more. When he told the student of her unexpected salary increase, she was delighted — and immediately decided she didn’t need to get married because she would no longer need the second income! That is a priceless financial lesson, and one that can only be learned in the school of Real Life.

Skills for Living relies on volunteers to make its programs happen, so the organization is always looking for CFP® professionals who might be interested in helping out. If you would like to learn more, contact S4L through its Web site.

Read more about projects receiving funding through CFP Board’s 2007 Financial Planning Grants program.

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Disclosure of compensation and costs is an important part of CFP Board’s ethical standards for CFP® professionals, regardless of the type of compensation a CFP® professional receives or the type of services offered to clients. CFP Board’s revised Standards of Professional Conduct, which becomes effective July 1, 2008, provides guidance on the type of compensation disclosure CFP® professionals are required to make to clients and prospective clients.

Rule 2.2(a) of the updated Standards sets forth the compensation disclosures required of all CFP® professionals when dealing with clients and prospective clients. The rule states that a certificant shall disclose to a prospective client or client “An accurate and understandable description of the compensation arrangements being offered.” Rule 2.2 (a) outlines two general categories of compensation arrangements that must be included in the disclosure of compensation:

1. Information related to costs and compensation to the certificant and/or the certificant’s employer, and
2. Terms under which the certificant and/or the certificant’s employer may receive any other sources of compensation, and if so, what the sources of these payments are and on what they are based.

These categories cover all costs and compensation, direct and indirect, that might be generated as a result of the CFP® professional’s relationship with a client. While the level of detail included in the disclosure of these costs may vary depending on the client’s understanding, CFP Board requires that compensation be accurate and presented to clients in ways they can reasonably be expected to understand.

Certain disclosure obligations in the updated Standards of Professional Conduct are specific to financial planning engagements. Rule 2.2(e) states that the disclosures required by Rule 2.2(a) and the other sections of Rule 2.2 must be made in writing when the related services include financial planning or material elements of the financial planning process. The written disclosures need not be a single document and may be made through multiple documents. Existing disclosure documents that are used to make disclosures in compliance with state or federal laws, or the rules or requirements of any applicable self-regulatory organization may also cover the compensation disclosure required by Rule 2.2(a).

Two sections of Rule 1.2 address additional disclosure obligations related to compensation. The following items must be disclosed to clients or prospective clients for engagements that include financial planning or material elements of the financial planning process:

b. Information related to costs and compensation to the certificant and/or the certificant’s employer, and
 
c. Terms under which the certificant and/or the certificant’s employer may receive any other sources of compensation, and if so, what the sources of these payments are and on what they are based.

Rule 1.2 ends with a note that if the information above is disclosed in writing, the certificant shall also encourage the prospective client or client to review the information and offer to answer any questions that the prospective client or client may have.

As with the other disclosures required by updated Standards of Professional Conduct, disclosure of compensation and costs may not be a one-time event. As a relationship with a client evolves over time, it is important to make ongoing disclosure of any changes or additions to the compensation associated with the services to the client. Rule 2.2 of the updated Standards requires timely disclosure of any material changes to compensation information. Ongoing disclosure of compensation and costs allows a client to make informed decisions based on the most current information.

CFP® professionals provide a wide variety of services to clients, with many different compensation structures and costs related to those services. CFP Board does not advocate any particular compensation model, and the disclosure of costs and compensation required by CFP Board’s updated Standards applies to all CFP® professionals. As CFP® professionals place the interest of their clients ahead of their own, they are expected to provide accurate and understandable information about the impact of their compensation on the services to their clients. If you have questions about compensation disclosure requirements or other aspects of the revised Standards, please send them to CFP Board at standards@CFPBoard.org.

About the Revised Standards of Professional Conduct:
On May 31, 2007, CFP Board’s Board of Directors announced the adoption of a revised version of CFP Board’s Standards of Professional Conduct, which sets forth the ethical standards for CERTIFIED FINANCIAL PLANNER™ professionals. The revised Standards become effective July 1, 2008 and apply to the more than 56,000 financial planners in the U.S. who are authorized by CFP Board to use the CFP® certification marks. CFP Board encourages CFP® professionals to begin applying the revised Standards to their daily practice well in advance of the July 1, 2008 effective date.

CFP Board Joins FPSB to Promote Global Professional Standards for Financial Planning

CFP Board has entered into a membership agreement with Financial Planning Standards Board, Ltd. (FPSB), the international organization that owns the CFP marks outside the U.S. As a member of FPSB, CFP Board will work with FPSB and its member organizations to align educational, examination, experience and ethical standards for financial planning professionals who hold CFP certification around the world. CFP Board’s membership in FPSB will promote worldwide professional standards in financial planning for the benefit of consumers who seek financial planning services.

CFP Board’s membership in FPSB includes participation on the FPSB Council, as well as committees and international working groups involved with financial planning certification and standards activities. The FPSB Council acts as an advisory and consulting body to the FPSB Board of Directors and is made up of delegations of up to two representatives from each of the organizational members of FPSB.

CFP Board will retain ownership of the CFP® trademarks in the U.S. and continue its independent operation of the CFP® certification program in the U.S.

"CFP Board has long supported the development of the CFP certification program around the world," said Kevin R. Keller, CEO of CFP Board. "Since 2004, when CFP Board transferred to FPSB ownership of the CFP marks outside the U.S., FPSB and its affiliates have made great strides in promoting awareness of CFP certification and the financial planning profession to consumers around the world. We look forward to working closely with FPSB."

CFP Board and FPSB, as the owners of the various CFP trademarks in their respective territories, have a common interest in ensuring that those trademarks continue to represent consistently high educational, examination, experience and ethical standards for financial planning professionals. CFP Board, established in 1985, currently authorizes more than 56,000 individuals in the U.S. to use the CFP® certification marks. FPSB’s 20 member organizations in as many territories around the world collectively authorize more than 52,000 individuals to use the CFP marks in their territories.

"We welcome CFP Board as a member of FPSB at an exciting time for the global financial planning profession," said Noel Maye, CEO of FPSB. "Interest in the CFP certification program continues to spread to new territories, and public awareness of the value of financial planning has never been greater. CFP Board, with more than 20 years administering the CFP® certification program in the U.S., brings invaluable experience to the FPSB Council."

FPSB manages, develops and operates certification, education and related programs for its member organizations so that they may benefit and protect the global community by establishing, upholding and promoting worldwide professional standards in financial planning. FPSB’s commitment to excellence is represented by the marks of professional distinction – CFP, CERTIFIED FINANCIAL PLANNER and CFP (with flame logo). For more about FPSB, visit www.fpsb.org.

Carol Lee Roberts, CFP® Named as CFP Board’s Managing Director of Examinations & Education

CFP Board has named Carol Lee Roberts, CFP® as its new Managing Director of Examinations and Education. Ms. Roberts will direct the examination and education components of CFP® certification. She brings to CFP Board a professional background that encompasses both the practice of financial planning and the administration of financial planning education programs.

After working at Merrill Lynch for more than 16 years in a variety of capacities, Ms. Roberts served the past six years at DePaul University, where she acted as Program Manger of its Financial Planning Certificate Program and a Director of DePaul’s Office of Continuing and Professional Education. At DePaul, she helped develop the Financial Planning Certificate program into one of the most successful programs offered through the university’s Office of Continuing and Professional Education, for which she also supervised marketing, new program development, corporate sales and web services for all continuing and professional education programs.

In her new role with CFP Board, Ms. Roberts will provide oversight to CFP Board's development of the rigorous CFP® Certification Examination and to the development and support of the more than 300 financial planning education programs in the U.S. that have registered with CFP Board to prepare financial planners for CFP® certification.

"We are very pleased to have someone with Carol Lee’s accomplishments and unique set of credentials joining CFP Board’s leadership team," said Kevin R. Keller, CAE, Chief Executive Officer of CFP Board. "Carol Lee’s expertise in financial planning education, along with her background as a CFP® professional, will be a tremendous asset to CFP Board as it pursues its mission to help the public benefit from competent and ethical financial planning."

Ms. Roberts is a CERTIFIED FINANCIAL PLANNER™ professional who has been an active member of the professional financial planning community, including involvement with the Financial Planning Association of Illinois, where she currently serves as its Director of Programming. She has provided frequent support to CFP Board, including participation on the Education Task Force CFP Board assembled in 2006. She is also a Certified Financial Divorce Practitioner and holds a Bachelor of Arts in Public Administration from Augustana College in Rock Island, Illinois and a Master of Arts in Applied Professional Studies with a focus in Financial Planning from DePaul.

"I am honored to be joining CFP Board’s leadership team at such an auspicious time in its history," said Ms. Roberts. "As a CERTIFIED FINANCIAL PLANNER™ professional, I come to this position with a full appreciation of the special responsibility CFP® mark holders have to the public. Now more than ever, consumers must possess high confidence in the competence of their financial advisors and the standards by which they are governed."

View a profile of Carol Lee Roberts, CFP® in the November 2007 edition of Financial Advisor magazine.

CFP Board Sponsors Outstanding Financial Planning Paper Award at AFS Meeting

Chris Robinson, Ph.D., CA, CFP®, Associate Professor of Finance, and Nabil Tahani, Ph.D., Assistant Professor of Finance, both of the Atkinson School of Administrative Studies at York University in Ontario, received the CFP Board Outstanding Financial Planning Paper Award at the 21st Annual Meeting of the Academy of Financial Services held October 16-17, 2007 in Orlando, Fla.

CFP Board sponsors several paper awards each year as a tangible way of encouraging financial planning research in the academic community. Dr. Robinson and Dr. Tahani received the $1,000 award for their paper titled "Sustainable Retirement Income for the Socialite, the Gardener and the Uninsured." In this study, Robinson and Tahani address the probability of retirement income sustainability using three variables: rate of return, date of death and consumption. Previous research on the same topic treated the first two factors as variable, while treating consumption as a constant real value. According to Dr. Robinson and Dr. Tahani, "The difference in shortfall probabilities or risk of ruin between the variable cases and the fixed consumption case is significant, and so the planner needs to take this into account."

Employment Opportunities at CFP Board’s Washington Headquarters

As CFP Board prepares to enter its new office space in Washington, D.C., opportunities remain for talented individuals to take up rewarding roles in CFP Board’s operations. CFP Board’s transition to the nation’s capital offers a unique chance to experience a start-up atmosphere while furthering the mission of a well-established organization. If you know someone who may be interested in assisting CFP Board’s work to help the American public benefit from competent and ethical financial planning, please direct them to the employment opportunities listed on CFP Board’s Web site at: www.CFP.net/aboutus/jobs.asp