CFP® CERTIFICATION: THE STANDARD OF EXCELLENCE
If your financial life seems to be spinning out of control, you’re not alone.
Today more than ever, CERTIFIED FINANCIAL PLANNER™ professionals are an essential resource. From budgeting, to planning for retirement, to saving for education, to managing your taxes and your insurance coverage, “finances” doesn’t mean just one thing for most Americans – and “financial planning” means much more than just investing. Bringing all the pieces of your financial life together is a challenging task.
Although many professionals may call themselves “financial planners,” CFP® professionals have completed extensive training and experience requirements and are held to rigorous ethical standards. They understand all the complexities of the changing financial climate and will make recommendations in your best interest.
“CFP Board’s Certification Requirements © 2011, Certified Financial Planner Board of Standards, Inc. All rights reserved. Used with permission.”
About LPL Financial
LPL Financial is one of the leading financial services companies and the largest independent broker/dealer in the nation*. For more than four decades, the firm has served as an enabling partner, supporting financial advisors in their goals of protecting and growing their clients’ wealth. A chief objective of LPL Financial is to reduce the complexity of running a financial services practice so advisors can focus on what they do best- help their clients attain their financial goals and fulfill their dreams.
With headquarters on both coasts, LPL Financial supports financial advisors in helping their clients by offering a robust mix of services and tools such as:
- Enabling Technology
- Comprehensive clearing and compliance services
- Practice Management programs and training
- Independent Research
LPL Financial understands that providing Americans with objective investment advice is critical to their financial security. Because the firm has no proprietary products to sell, LPL Financial advisors can provide truly objective advice and investment recommendations.
Thousands of financial advisors nationwide rely on LPL Financial to help meet their clients’ financial needs. They do so by using the firm’s tools and resources that help them discover their clients’ portfolios, dreams and passions; analyze and develop financial plans that support every stage of their clients’ lives; and make product recommendations that put clients on the path to pursuing their goals.
For more information about LPL Financial, Visit:
http://lplfinancial.lpl.com/News_and_Media_Center/Video_-_Where_Investors_Goals_Come_First.html (video link)
*As reported in Financial Planning magazine 1996-2013, based on total revenues.
Dimensional Fund Advisors (DFA) manages investments for long-term investors. One of the cornerstones of our approach is a client base committed to their investments through all market cycles, both good and bad. Buy-and-hold investors enable us to keep turnover and transaction costs low, which adds to their bottom line. DFA believes financial advisors play a vital role in educating investors about the financial science that drives this approach and in instilling the discipline required to benefit from it.
As a result, Dimensional does not offer funds directly to individual investors. Instead, they choose to make their investments available through a select group of fee-only and fee-based advisors. Investing begins with a properly diversified portfolio. Constructing such a portfolio is a complicated process that can benefit from the guidance of a qualified, professional advisor. In their view, independent advisors free from the conflicts associated with commission-based transactions are best positioned to assist individual investors in developing long-term investment strategies.
Investing in mutual funds involves risk, including possible loss of principal.
Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. The prospectus and, if available, the summary prospectus contain this and other important information about the investment company. You can obtain a prospectus and summary prospectus from your financial representative. Read carefully before investing.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not ensure against market risk.
The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. FPA® helps connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
FPA members are those who commit to the highest standards of professional competence, ethical conduct and clear, complete disclosure to those they serve. They deliver advice using an objective, client-centered, ethical process. FPA membership consists of financial planners and all those who support the financial planning process.
The preceding content was originally published on the Financial Planning Association® website, www.fpanet.org.
LPL Financial Located At:
Alan Sweeten, CFP® has been the trusted source of financial planning, investment guidance and ongoing education for Northrup Grumman Federal Credit Union (NGFCU) since 2004. Through his affiliation with NGFCU, Alan has conducted educational workshops to NGFCU members and employees of Northrop Grumman Corporation. He speaks on financial planning topics, including Wealth Management, Retirement Planning, Tax-Advantaged Investing, College Funding, and Estate Planning.
LPL Financial, Sweeten Wealth Management, CFP Board, Dimensional Funds Advisors, Northrop Grumman Federal Credit Union and the Financial Planning Association are separate and unaffiliated entities.