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CFP BOARD REPORT

March 28, 2019

 

In This Issue:


CFP Board to Congress: SEC Regulation BI Needs Clarity, Greater Consumer Protections

CFP Board Chair Susan John, CFP® recently appeared before a Congressional subcommittee, testifying that the Securities and Exchange Commission’s Regulation Best Interest is well-meaning but doesn’t go far enough.

“While we appreciate the opportunity the rule proposals represent, our concern is that they offer the appearance, but not the reality, of increased investor protection,” said John in testimony before the House Financial Services Subcommittee on Investor Protection, Entrepreneurship and Capital Markets. “However, if the proposed rules are strengthened, we believe the Commission may realize its goal of increasing investor protection.”

In contrast to the SEC regulation, John said CFP Board’s new Code of Ethics and Standards of Conduct that become effective October 1 provides clear and unambiguous protections requiring all CFP® professionals to be held to a fiduciary standard when providing Financial Advice.

“The new Standards provide clarity for the public by extending the application of the fiduciary duty from financial planning services to all Financial Advice,” John said in her oral testimony. “The Standards are responsive to today’s complex financial marketplace, where consumers seeking investment advice find it virtually impossible to distinguish a salesperson from an advisor.”

The Standards, which must be followed by those who voluntarily hold the CFP® certification, have significant differences with Regulation BI in three unique ways, John said:

  1. “Best Interest.” CFP Board’s Standards unambiguously define “best interest” as “fiduciary,” including both a duty of care and a duty of loyalty. Under Reg BI, “best interest” is not defined.
  2. Duty of Loyalty. Reg BI does not contain a distinct, well-defined, stand-alone duty of loyalty, whereas the duty of loyalty is prominently featured in the Standards.
  3. Conflicts of Interest. The Standards contain a straight-forward, effective solution to deal with conflicts of interest, regardless of how they originate. Reg BI distinguishes between different types of conflicts and has disparate ways of handling them.

Joined by its partners in the Financial Planning Coalition – the Financial Planning Association and the National Association of Personal Financial Advisors – CFP Board has been a consistent advocate for increased fiduciary protections for consumers.

“Faced with an increasingly complex universe of financial products and services, Americans today depend on competent and ethical advisors to help them make decisions critical to their financial security. When they seek financial advice, however, they face a marketplace in which it is virtually impossible to distinguish a salesperson from an advisor, or between those advisors who are legally obligated to provide advice in the investor’s best interest versus those who are not,” John said on behalf of the Coalition in her written testimony. “A clear fiduciary standard applied equally to all financial professionals who provide personalized investment advice, including broker-dealers, would help clarify the investment decisions Americans face every day.”

John concluded her oral testimony by saying that the regulation needs to reflect the reality that consumers trust their advisors – even when they shouldn’t – which is why a strong Regulation BI is needed.

“Many smart, educated, accomplished individuals fail to do basic due diligence to check out the financial advisor they choose to work with. And, they all trust their financial advisor to work in their best interest,” said John. “The client, it seems, trusts and is loyal to the advisor, no matter what.”
 


CFP Board Congratulates Former Board Chair Karen Schaeffer, CFP® and Ten Other CFP® Professionals Recognized as the InvestmentNews’ Women to Watch

CFP Board is pleased to recognize 2007 Board of Directors Chair Karen Schaeffer, CFP® who was honored with the Alexandra Armstrong Award for Lifetime Achievement in Financial Planning at the 4th Annual InvestmentNews Women to Watch Luncheon on March 14, 2019, held at the Ziegfeld Ballroom in New York City. A true luminary in the profession, Karen received the prestigious award for her distinguished career and contribution to the growth and advancement of financial planning. As the then Chair of CFP Board, Karen played a key role in moving the organization from Denver to Washington, D.C. in 2007. She has also served as the chair of the international Financial Planning Standards Board and is currently the Chair of the Campaign Development Committee for the CFP Board Center for Financial Planning, where she provides key leadership and guidance on fundraising efforts necessary to accomplish the Center’s mission of creating a more diverse and sustainable financial planning profession.

Among other CFP® professionals who were recognized are key CFP Board and Center volunteers – CFP Board Ambassador Carina Diamond, CFP®; Center’s Women’s Initiative Council member Sabrina Lowell, CFP®; and Center’s “I am a CFP® Pro” campaign spokeswoman Brittney Castro, CFP®. CFP Board also congratulates other honorees: Rachel Moran, CFP®, recipient of the 2018 Rising Star Award, Yonhee Choi Gordon, CFP®, Lisa Kirchenbauer, CFP®, Heather Locus, CFP®, Lynn Phillips-Gaines, CFP®, Angela Ribuffo, CFP®, and Evelyn Zohlen, CFP®. Each of the CFP® professionals who was recognized was chosen from a rigorous selection process designed to identify women who are distinguished leaders, demonstrate a willingness to share their experiences with others and give back to the profession.
 


Invest in Others Awards Recognize Our Profession’s Charitable Benefits to Public: Nominations Open Through April 5

For more than a decade, it has been my pleasure to participate as a judge for the annual award program by the Invest in Others Charitable Foundation. The Invest in Others Awards program recognizes the charitable work of financial advisors in communities across the country and around the world. I am constantly inspired by the great work accomplished by so many CFP® professionals and other advisors who have made a commitment to giving back to their communities.

Do you know a financial advisor who has made a difference by giving back to a non-profit? Nominate them today for the 2019 Invest in Others Awards, which will award finalists and winners up to $50,000 for their favorite charity. Nominations close on April 5.

Kevin R. Keller, CAE
CEO, CFP Board
 


The Importance of Reporting Pro Bono

Thousands of CFP® professionals across the country are providing free, no-strings attached, one-on-one financial advice to underserved people. Are you one of them?

Pro bono directly helps people in need take control of their financial lives.

Please let us know if you provide pro bono services so that we can educate the public and policymakers about the great things our profession does to help people in need.

Report your pro bono hours today! Reporting can be completed through an online tool available within the “My CFP® Certification” section of CFP® professionals’ online accounts.

 


“After leaving my abusive husband I became a single mom. I was living paycheck to paycheck and started falling back on my credit cards to fill in the gaps. I was totally lost about my finances. Money is still tight, but after the meeting with a pro bono planner, I learned how to do things that will help me be financially stable. The more I apply what I learned, the more I feel in control and optimistic about my future.”
 
                                   - Pro Bono Client
 


Public Awareness Campaign Advertising Continues on TV, Radio, Online

CFP Board’s Public Awareness Campaign advertising is back on national cable television through mid-April, supplemented by online, radio and print, as well as ongoing social media and earned media efforts. The ads encourage the public to visit www.LetsMakeaPlan.org to learn about the competency and credibility of CFP® professionals, and to identify a CFP® professional through our online search tool. This year’s campaign will reach a national audience and generate over a billion impressions.

As we reported last September, the latest iteration of our ongoing campaign was developed with insights from market research conducted by Heart + Mind Strategies and CFP Board. In our research, we found that consumers who work with a CFP® professional feel more confident, optimistic, secure and at ease. The peace of mind that comes from having a plan from a CFP® professional in place is powerful – and no two plans look the same. Our ads have told the stories of “Shelley” and “Cal and Val,” and in the Spring 2019 flight we introduce a new story with “Jen and Maya.”

We saw strong results from the Fall 2018 campaign. Total awareness of CFP® certification is a healthy 84 percent among the target market – known as Mass Affluent Initiators – and preference for and intent to use a CFP® professional reached all-time highs. Unaided awareness also experienced a lift among this target market.

This year, as in most years, our primary advertising and communications efforts focus on the spring tax season, when finances are top of mind among consumers.

Your clients and potential clients around the country will be seeing the ads on national cable television channels and online platforms, and we want your clients and prospective clients to connect you with the great messages they’re seeing in the campaign advertising. To help you do that, we’ve developed a number of resources you can use to help extend the campaign’s reach in your communities. Visit www.CFP.net/PAC to access resources including:

  • Links to TV ads on CFP Board’s YouTube channel, where you can find options for sharing and embedding the videos
  • Banner ads for use on personal websites
  • Print ad PDFs
  • Sample social media posts
  • Customizable radio announcements
  • Links to consumer brochures you can share with clients and potential clients

We hope you will find these resources useful. Look for updates on the campaign’s progress in the coming months.

Digital Certificates Provide Fast, Secure Verification of CFP® Certification

CFP® professionals can now help their current and prospective clients and employers quickly verify their certification status through a digital certificate. CFP® professionals can use their digital certificate on email signatures, on websites and on social media platforms.

The new online format makes it simpler to communicate the expertise and credibility associated with the CFP® certification.

CFP® professionals can access their digital certificate through their CFP Board account. Log in and look under the “Tools and Resources” section for your digital certificate information.

Focus on Ethics: Developing, Presenting and Implementing Recommendations

CFP Board’s new Code of Ethics and Standards of Conduct (“Code and Standards”), which takes effect on October 1, 2019, introduces a new 7-step financial planning process that requires a CFP® professional providing financial planning to “Develop the Financial Planning Recommendation(s)” (Step 4), “Present the Financial Planning Recommendation(s)” (Step 5) and “Implement the Financial Planning Recommendation(s)” (Step 6).

The Practice Standards outline a process where recommendations for a Client come after the CFP® professional gains an understanding of the Client’s personal and financial circumstances (Step 1), helps the Client with identifying and selecting goals (Step 2), and analyzes the Client’s current course of action and potential alternative course(s) of action (Step 3).

Step 4: Developing the Financial Planning Recommendation(s)

A CFP® professional then develops the financial planning recommendation(s) by selecting, from among the potential alternative courses of action, one or more recommendation(s) designed to maximize the potential for meeting the Client’s goals. For each recommendation selected, the CFP® professional must consider the following information:

  1. The assumptions and estimates used to develop the recommendation;
  2. The basis for making the recommendation, including how the recommendation is designed to maximize the potential to meet the Client’s goals, the anticipated material effects of the recommendation on the Client’s financial and personal circumstances, and how the recommendation integrates relevant elements of the Client’s personal and financial circumstances;
  3. The timing and priority of the recommendation; and
  4. Whether the recommendation is independent or must be implemented with another recommendation.

Step 5: Presenting the Financial Planning Recommendation(s)

The next step requires the CFP® professional to present the recommendation(s) to the Client and discuss with the Client the information that was required to be considered when developing the recommendation(s). The Practice Standards do not require the CFP® professional to put all Financial Planning recommendation(s) in writing, nor must the financial planning recommendation(s) have the same elements. CFP® professionals must exercise professional judgment in determining how best to present Financial Planning recommendations to Clients.

Developing and presenting the recommendation(s) are distinct steps that occur at different times and sometimes by different individuals. Indeed, the person who develops the recommendation may not be the same person who presents the recommendation to the Client. As technology’s role in developing Financial Planning recommendations increases, the distinction of these steps will be more pronounced.

Step 6: Implementing the Financial Planning Recommendation(s)

The sixth step sets forth the requirements when implementing the Financial Planning recommendation(s). A CFP® professional is responsible for implementing the Financial Planning recommendation(s) unless specifically excluded from the Scope of Engagement.

  1. Addressing Implementation Responsibilities. A CFP® professional must establish with the Client whether the CFP® professional has implementation responsibilities. When the CFP® professional has implementation responsibilities, the CFP® professional must communicate to the Client the recommendation(s) being implemented and the responsibilities of the CFP® professional, the Client, and any third party with respect to implementation.
  2. Identifying, Analyzing, and Selecting Actions, Products, and Services. A CFP® professional who has implementation responsibilities must identify and analyze actions, products, and services designed to implement the recommendations. The CFP® professional must consider the basis for each selection, which must include:
    1. How the action, product, or service is designed to implement the CFP® professional’s recommendation; and
    2. The advantages and disadvantages of the action, product, or service relative to reasonably available alternatives.
  3. Recommending Actions, Products, and Services for Implementation. A CFP® professional who has implementation responsibilities must recommend one or more actions, products and services to the Client. The CFP® professional must discuss with the Client the basis for selecting an action, product, or service, the timing and priority of implementing the action, product, or service, and disclose and manage any Material Conflicts of Interest concerning the action, product, or service.
  4. Selecting and Implementing Actions, Products, or Services. A CFP® professional who has implementation responsibilities must help the Client select and implement the actions, products, or services. The CFP® professional must discuss with the Client any Client selection that deviates from the actions, products, and services the CFP® professional recommended.

The new Code and Standards sets forth, in Standard C, a principles-based documentation requirement that applies when a CFP® professional provides or is required to provide Financial Advice in accordance with the Practice Standards. A CFP® professional must act prudently in documenting and retaining information, as the facts and circumstances require, taking into the account the significance of the information, the need to preserve the information in writing, the obligation to act in the Client’s best interests, and the CFP® Professional’s Firm’s policies and procedures.

When completing Steps 4, 5 and 6 of the Financial Planning process, a CFP® professional may consider documenting the following information in writing, where relevant:

  1. The CFP® professional’s analysis of the Client’s current course of action;
  2. The CFP® professional’s analysis of potential alternative courses of action;
  3. The assumptions and estimates used in developing the recommendations;
  4. The recommendations the CFP® professional selects and the rationale for the recommendations;
  5. The basis for the selection of actions, products, and services; and
  6. Actions the Client takes that deviate from the CFP® professional’s recommendations.

The principles-based documentation requirement in the Code and Standards does not require the CFP® professional to provide the information to the Client. A CFP® professional may memorialize information in a method of the CFP® professional’s choosing, and retain the information in, among other places, a client file, a Contact Management System file, a paper file, or a digital vault.

Read other articles in the “Focus on Ethics” series >

 
On March 29, 2018, CFP Board announced that its Board of Directors unanimously approved a new Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical standards for CFP® professionals. The new Code and Standards replaces CFP Board’s current Terminology, Code of Ethics, Rules of Conduct and Financial Planning Practice Standards, effective October 1, 2019. During the time between the announcement date and the effective date of the new Code and Standards, CFP Board will undertake a thorough process to educate and inform CFP® professionals on the new Code and Standards.
 

CFP Board is producing a 12-part series of brief videos outlining key details of the new Code and Standards. The latest video addresses the new 7-step Financial Planning Process. View the video series > 

CFP® Examination Update

The most recent CFP® exam testing window was March 12-19, 2019. In alignment with certification best practices, CFP Board will be establishing a passing standard for the March 2019 examination after collecting statistics on revised items related to the 2018 tax law changes. In lieu of a preliminary pass/fail exam result, candidates received a “Notice of Completion” rather than a preliminary result report at the end of their exam. CFP Board will send final result reports to candidates approximately one month after the administration. Preliminary result reporting will resume for the July 2019 administration.

Early bird registration for the July 9-16, 2019 CFP® exam testing window is now open through May 14. Please encourage your qualified colleagues to continue their pursuit of CFP® certification, and remind them to register for the CFP® exam early for the best date and site availability. Learn more and register at www.CFP.net/exam.
 

Resources for Colleagues on the Path to CFP® Certification

Growth in the number of CFP® professionals strengthens the profession and the certification. Share these resources to help a colleague along the path to CFP® certification.CFP Exam Candidate Preparation Toolkit

  • Share our Why CFP® Certification guide that outlines the reasons pursuing CFP® certification is a great career move.
  • Share the CFP® Exam Candidate Preparation Toolkit, which helps candidates develop study strategies, manage time and build support from employers and peers as they prepare for the CFP® Exam.
  • Share this video of CFP® professionals discussing the different pathways they took to gain the professional experience required for CFP® certification.
  • Refer your colleagues to CFP Board so we can introduce them to CFP® certification on your behalf.

New Research Shows Significant Gaps Between Advisor, Consumer Views on Money Management

Financial advisors and consumers are not on the same page when it comes to spending, saving, budgeting and managing money, according to new research released by CFP Board, in collaboration with research-led consulting firm Heart + Mind Strategies.

“Just like a doctor needs to know a person’s symptoms before making a diagnosis, so does a financial advisor need to know what a consumer is spending and saving before developing a comprehensive financial plan,” said CFP Board CEO Kevin Keller. “While there may be some hesitation by consumers to ask for help, if financial advisors don’t proactively engage them on budgeting and cash flow needs, they are missing a clear opportunity to help their clients take control of their financial futures.”

The findings reveal there is a significant disconnect between advisors and consumers when it comes to the perception that saving and managing money is easy. Nearly 8-in-10 consumers (78 percent) believe it is easy to save money, but only 39 percent of advisors agree. At the same time, most consumers (88 percent) believe it is easy to manage money, yet only 30 percent of advisors agree.

To help bridge this gap, advisors believe clients would benefit from increased cash flow management – also known as budgeting, which for many people isn’t something that’s seen as important. In particular, nearly half of advisors (48 percent) agree that clients with a mismatch between spending and their overall goals would benefit most from cash flow management, followed by clients who have a low awareness of their spending (22 percent), clients that need to see the impact of saving more or spending less on future goals (21 percent) or clients with little emergency savings (8 percent).

The benefits of cash flow management and budgeting are significant, according to advisors, with 96 percent agreeing that clients become more confident and secure about their financial futures. But developing a budget and performing cash flow exercises can be a challenge. Clients often withhold data, provide inaccurate information or are unwilling to adjust habits. Still, advisors continue to see it as a critical component to successful financial planning, with three-quarters of firms providing some form of cash flow management, and more than half (53 percent) including it in a client plan all or most of the time.

“Understanding earnings and expenses are core to financial wellness at every income level. Even though budgeting can be a time-consuming process, it’s well worth it,” continued Keller. “CERTIFIED FINANCIAL PLANNER™ professionals are uniquely qualified to provide clients with a tangible idea of what to expect from their finances, ensure they have a better understanding of how to effectively manage spending, and empower them to feel confident and secure about their financial situations, today and in the future.”

>> Download the Full Survey Report

>> View an Infographic with Highlights from the Survey
 


  CFP Board Center for Financial Planning  
 
  Updates from the Center for Financial Planning:
  • Center to Hold Second Annual Diversity Summit on November 13 in Washington, DC: The Center is pleased to announce the second annual Diversity Summit to be held on November 13, 2019 at the JW Marriott in Washington, DC. The event will build upon the success of last year’s inaugural Summit that drew over 300 thought leaders within and outside financial planning for a discussion of initiatives to advance racial diversity in the financial planning profession. The event featured the release of Racial Diversity in Financial Planning: Where We are and Where We Must Go, Center’s research-based thought leadership paper that outlines actionable solutions for industry stakeholders to create a more inclusive profession.

    2018 Diversity SummitThis year’s event will build upon this momentum and will focus on accountability, highlighting what key stakeholder groups are doing to implement the Center’s recommendations and advance diversity in financial planning. We are expecting a similar level of interest and turnout this year, including executives from large firms, RIA firms, leaders from CFP Board Registered Programs, experts in diversity and inclusion, and organizations focused on advancing people of color. If you are interested in participating in the upcoming Summit, or know individuals who fit this bill, please contact Eddy Demirovic at edemirovic@cfpboard.org.

  • Coming Soon – New Guide Highlighting Best Practices for Firms to Recruit and Retain Talented Professionals: On April 4, the Center will release Financial Planning Career Paths: Building More Sustainable and Successful Businesses, a new guide to help firms with financial planner recruitment, onboarding, training, career development and retention. The comprehensive research-based guide will benefit firms of all sizes and business models by providing best practices on structuring and effectively communicating career path opportunities. The guide identifies and closely examines five rungs of the financial planner career ladder and elaborates on the requisite skills, experience and responsibilities necessary to achieve each rung. It also provides a framework for compensation and organizational advancement so that professionals can manage their expectations and be well rewarded for their efforts. The guide will be available on the Center’s website, CenterforFinancialPlanning.org.
     
  • Matt Aaron, Jr. CFPMeet the New “I am a CFP® Pro” Campaign Spokesperson: The Center recently expanded its educational campaign to attract young women and people of color into the profession with the addition of spokesperson Matt Aaron, Jr., the founder of Aaron Financial, a financial planning practice in Washington, DC with Northwestern Mutual. A new video features Matt discussing his journey into financial planning and why other young people should consider a career as a CFP® professional. On the website, www.CFPPro.org, people can also find video stories from other campaign spokespeople, a social media feed based on campaign hashtag #CFPPro featuring additional stories from CFP® professionals nationwide, and resources to encourage young people to pursue a career as a CFP® professional.

    An additional feature of the website is a toolkit specifically designed for colleges and universities that house a CFP Board Registered Program, with promotional materials that schools can use to co-brand the campaign and promote the financial planning career to students. The toolkit also provides a PowerPoint presentation schools can use to partner with a CFP® professional to host a career event to highlight the benefits of a career in financial planning and resources available to students on their path to CFP® certification. Read more >
     

  • Paid Return-to-Work Internships Now Available: The Center, in partnership with career re-entry firm iRelaunch, has launched a 2019 offering of the Financial Planner Re-Entry Initiative (FPRI) that connects firms in the financial planning sector with experienced professionals seeking to reenter the workforce after a career break. We are currently seeking candidates for the Fidelity RESUME Return-to-Work Internship Program, the Sullivan Bruyette Speros & Blayney Financial Planning Return-to-Work Internship Program (McLean, VA) and the TD Ameritrade Institutional Financial Consultant Development Academy Program (Columbia, MD).  Additional positions will be posted on the FPRI webpage as they become available.
     
  • Client Psychology Courses from the Center and Wharton Executive Education, April and July 2019: The Center and the Aresty Institute of Executive Education at the Wharton School of the University of Pennsylvania are launching a first-of-its-kind educational opportunity for financial advisers, planners and brokers through a new course called Client Psychology. The course will be offered over three days, with one offering from April 1-3, 2019 at the University of Pennsylvania campus in Philadelphia and a second offering from July 29-31, 2019 in San Francisco. CFP® professionals attending this program will receive 21.5 hours of general CFP Board CE credit, offered by Wharton as CE provider.  Learn more and Register to Attend >
     
  • Financial Planning Teaching Seminars from the Center and Columbia University, May and August 2019: The Center and Columbia University School of Professional Studies are will offer two sessions of the CFP Board-Columbia University Teaching Seminar in 2019, on May 5-7 and August 18-20, on the Columbia University campus in New York. The three-day, experience-based program focuses on both financial planning content as well as basic instructional design, using learning objectives, student assessment, and avenues of bringing experiential learning into the classroom or online learning platform.  Learn more and Register for the Teaching Seminar >
     
     
  • Advance the Profession by Supporting the Center: We encourage you to consider making a contribution to the Center for Financial Planning. Your donation to the Center supports important work to create a more diverse and sustainable financial planner workforce and build a research-based, recognized body of knowledge for the financial planning profession.
    Support the Center >

     
 
   
 
 


 
Upcoming Events

  • April 1-3, 2019: Client Psychology Program at Wharton, Philadelphia, PA
  • April 4, 2019: CFP Board Career Center Online Career Fair, 1:00 - 5:00 p.m. (Eastern)
  • May 5-7, 2019: Financial Planning Teaching Seminar at Columbia University, New York City
  • May 6-9, 2019: FPA Retreat, La Jolla, CA (Registration ends April 29)
  • May 13-16, 2019: NAPFA Spring Conference, Austin, TX
  • May 22, 2019: CFP® Certificant Connection, Milwaukee, 5:30 - 7:00 p.m. (Registration available soon)
  • May 23, 2019: CFP® Certificant Connection, Minneapolis, 8:00-9:30 a.m. (Registration available soon)
  • May 23, 2019: CFP® Certificant Connection, Salt Lake City, 5:30-7:00 p.m. (Registration available soon)
  • May 24, 2019: CFP® Certificant Connection, Phoenix, 8:00-9:30 a.m. (Registration available soon)
  • June 4, 2019: Public Forum on Code and Standards, Los Angeles, 5:30 – 7:00 p.m. (Registration available soon)
  • June 5, 2019: Public Forum on Code and Standards, San Francisco, 7:30 – 9:00 a.m. (Registration available soon)
  • June 5, 2019: Public Forum on Code and Standards, Portland, 5:30 – 7:00 p.m. (Registration available soon)
  • June 6, 2019: Public Forum on Code and Standards, Seattle, 7:30 – 9:00 a.m. (Registration available soon)
  • June 7-12, 2019: FPA Summer Residency Program, Aurora, CO (Advance registration through April 12)
  • July 9-16, 2019: CFP® Certification Examination (Early bird registration through May 14)
     

Register Now for Online Career Fair, April 4

The CFP Board Career Center’s spring Online Career Fair will take place on April 4, 2019. Connect directly with qualified candidates of all levels during this live online event. Register today!
 


Opportunities:

  • Volunteer Opportunities with CFP Board: The work of CFP Board benefits greatly from the contributions of CFP® professionals and other stakeholders, and there are many opportunities for CFP® professionals and others to become involved with CFP Board in meaningful and rewarding ways. Each year, there are multiple opportunities to contribute to the development of the CFP® Exam through exam item writing workshops, and to support enforcement of the ethics and practice standards for CFP® professionals through service as a hearing panel volunteer with the Disciplinary and Ethics Commission. Learn more about these and other opportunities and submit a volunteer application at www.CFP.net/volunteers.
     
     
  • Become a Mentor to Individuals Pursuing CFP® Certification: The CFP Board Mentor Program is designed to connect individuals pursuing CFP® certification with current CFP® professionals for guidance and support as they navigate their path to certification. CFP® professionals serving as mentors share guidance and practical advice based on their experience taking the CFP® exam and pursuing careers in the financial planning profession. Learn More and Enroll in the Mentor Program >

 
New CFP® Marks-Branded Products in Revamped Online Store

Through April 22, CFP Board is offering a 10% discount on our men’s and women’s caps, backpack and tote bag, luggage tag, journal, power bank, and pen set, cell phone wallet and car vent holder, and sticky notes. Use code CFPStoreSpring201910 when checking out with these items in your cart!

Questions? Email Taylor Fealy at tfealy@cfpboard.org.
 

 

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