I believe that financial planning is a positive, powerful tool for changing lives and that it should be accessible to everyone regardless of net worth or investment amounts.
I’ve always had a passion for financial planning for as far back as I can remember. I received my bachelor’s degree in engineering and started down that career track. But I continued to move toward the business world by earning a masters degree in management & finance while working during the day. After receiving my MBA, I started managing business divisions in large companies, but still could not stop the financial planning field from calling to me.
After more than 20 years of corporate leadership positions, I decided to take my career in a different direction to fulfill my passion fully. I returned to college again to complete the educational requirements, passed the CFP® examination and fulfilled the required years of relevant experience. Now, as a CERTIFIED FINANCIAL PLANNER™ professional, I’m able to bring high quality and affordable financial advice to everyone the way I always wanted; with no minimum asset requirements, no commissions and no product sales of any kind. To achieve my goal of financial planning made convenient and available for all, I travel to local clients and offer virtual planning options for others.
My family and I have lived in New England almost all our lives and enjoy taking advantage of everything the region has to offer. I’m also an active member of the Garrett Planning Network, the National Association of Personal Financial Advisors (NAPFA), and the Treasurer and a Director of the Meriden/Wallingford United Way.
The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.
To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:
Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstance
Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals.
Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:
Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.
The Accredited Financial Counselor (AFC®)
certification is issued by the Association for Financial Counseling & Planning Education (ACFPE®) and accredited by the National Commission for Certifying Agencies (NCCA). The program trains professionals to guide clients through a holistic counseling framework of life cycle financial education. This allows the professional to provide a high-level, tailored approach based on the needs of each client to effectively analyze and create lasting financial behavior change.
Accredited Financial Counselors have certified skills to assist individuals and families in the complex process of financial decision making, including the ability to: • Educate clients in sound financial principles. • Assist clients in the process of overcoming their financial indebtedness. • Help clients identify and modify ineffective money management behaviors. • Guide clients in developing successful strategies for achieving their financial goals. • Support clients as they work through their financial challenges and opportunities. • Help clients develop new perspective on the dynamics of money in relation to family, friends and self.
Accredited Financial Counselors must successfully complete a proctored examination, satisfy a requirement of providing 1,000 hours of experience in financial counseling, and submit three letters of reference to attain the AFC® designation. Certificants must complete 30 hours of approved continuing education every two years and adhere to the AFC® Code of Ethics in order to maintain the designation.