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Additional Disclosures

CERTIFIED FINANCIAL PLANNER™ (CFP®) DESIGNATION

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The CERTIFIED FINANCIAL PLANNER™ (CFP®) certification is a voluntary professional designation awarded by the Certified Financial Planner Board of Standards, Inc. (the “CFP Board”). Financial professionals who hold this designation have met the CFP Board’s established standards for education, examination, experience, and ethics. No federal or state law requires financial planners to hold the CFP® certification.

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Additional information about the CFP® certification is available at www.cfp.net.

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Initial Certification Requirements

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To earn the CFP® certification, an individual must satisfy the following requirements:

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  • Education – Hold a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework covering core financial planning subject areas, including a comprehensive financial plan development (capstone) course. Certain professional credentials may satisfy some coursework requirements. Individuals who earned the CFP® certification prior to the implementation of specific education requirements may not have completed all current requirements.

  • Examination – Pass the comprehensive CFP® Certification Examination, which tests the ability to apply financial planning knowledge to real-world situations.

  • Experience – Complete either 6,000 hours of professional experience related to the personal financial planning process or 4,000 hours of qualifying apprenticeship experience.

  • Ethics – Meet the CFP Board’s fitness standards and agree to adhere to the CFP Board’s Code of Ethics and Standards of Conduct.

 

Ongoing Requirements:

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To maintain the CFP® certification and the right to use the CFP Board’s certification marks, certificants must meet ongoing requirements, including:

  • Ethics and Professional Responsibility – Commit to continued compliance with the CFP Board’s Code of Ethics and Standards of Conduct, including a fiduciary obligation to act in the best interests of clients when providing financial advice or financial planning. While the CFP Board enforces its standards, it does not guarantee the quality of services provided by any individual professional.

  • Continuing Education – Complete 30 hours of continuing education every two years, including ethics-related coursework, to maintain professional competence and stay current with developments in financial planning.

 

Enforcement:

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CFP® professionals who fail to comply with the CFP Board’s requirements may be subject to disciplinary action, including suspension or permanent revocation of the CFP® certification.

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Certification status may be verified at www.cfp.net/verify-a-cfp-professional.

Text Messaging
Privacy Policy

This Text Messaging Privacy Policy explains how we collect, use, and protect information in connection with text message (SMS) communications.
 

Consent to Receive Text Messages
 

By providing your mobile phone number and opting in, you consent to receive text messages from us. These messages may include appointment reminders, service-related notifications, administrative updates, or responses to inquiries. Message frequency may vary. Standard message and data rates may apply.

Consent to receive text messages is not a condition of purchasing any products or services.
 

Information Collected Through Text Messaging
 

When you communicate with us via text message, we may collect:

  • Your mobile phone number

  • The content of text messages sent and received

  • The date, time, and delivery status of messages


We do not use text messaging to request or transmit sensitive personal information such as Social Security numbers, account numbers, or login credentials.
 

Use of Text Message Information
 

Information collected through text messaging is used solely for legitimate business purposes, including:

  • Communicating with clients and prospective clients

  • Providing requested information or services

  • Operational, compliance, and recordkeeping purposes


Text message communications may be retained in accordance with our record retention policies and applicable regulatory requirements.
 

Information Sharing

We do not sell, rent, or share text message information with unaffiliated third parties for marketing purposes. Text messaging data may be shared with service providers who assist us in delivering SMS communications, subject to confidentiality and data protection obligations.
 

Data Security

We take reasonable administrative, technical, and physical measures to safeguard information obtained through text messaging. However, text messaging is not a fully secure method of communication, and we cannot guarantee the security of information transmitted via SMS.
 

Opting Out

You may opt out of receiving text messages at any time by replying STOP to any message. After opting out, you may receive a final confirmation message. You may also contact us directly to update your communication preferences.
 

Changes to This Policy

We may update this Text Messaging Privacy Policy from time to time. Any changes will be posted on this website and will apply to text messages sent after the effective date of the update.
 

Contact Information

If you have questions about this Text Messaging Privacy Policy or our communications practices, please contact us using the information provided on this website.

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