You will be working with a full team of experienced professionals who have worked to obtain the most respected academic credentials in the industry: Certified Financial Planner (CFP®), Wealth Management Certified Professional (WMCP®), Retirement Income Certified Professional (RICP®), Certified in Long-Term Care (CLTC®), and Chartered Retirement Plans Specialist (CRPS®) alongside multiple graduate degrees and a Juris Doctor (JD) in law.
CFP® - CERTIFIED FINANCIAL PLANNER™ Professional
What It Is: The CFP® designation is a formal recognition of expertise in the areas of financial planning, taxes, insurance, estate planning, and retirement, certified by the CFP® Board of Standards, Inc.
What it Means: The CFP® designation is widely considered the standard of excellence for financial planners. CFP® professionals have met extensive training and experience requirements and commit to CFP® Board’s code of ethics and fiduciary standards to always put their clients' interests first. Read the code of ethics here.
What it Requires: The CFP® designation is one of the toughest to earn in this industry. It typically requires more than 6,000 hours of experience and 250 hours of study, and on average takes 12-18 months to complete. Only 29% of financial advisors are CFP® professionals.
WMCP® - Wealth Management Certified Professional
What It Is: The Wealth Management Certified Professional® (WMCP®) is a professional certification that signifies a high level of expertise in wealth management.
What it Means: WMCP® advisors possess the essential expertise to formulate tailored wealth management plans for high-net-worth clients. They also possess a profound comprehension of the distinctive requirements associated with these clients.
What it Requires: Earning this certification requires rigorous training and education. Candidates need to demonstrate proficiency in developing specialized wealth management plans for high-net-worth clients and understanding their unique financial needs.
RICP® - Retirement Income Certified Professional
What It Is: The RICP® designation is a formal recognition of specialized expertise in retirement income planning.
What it Means: An RICP® has the deep, specialized expertise to help retirees and near-retirees use the assets they have accumulated for retirement sustainably. They have extensive knowledge on utilizing social security, creating financial action plans for long-term care and health-care needs, securing housing and planning for income taxes, legacies, and distributions, among other retirement essentials.
What it Requires: Earning this designation requires 3 years of experience, over 180 hours of study, and on average takes one year to complete. Only 7.5% of financial advisors have earned the RICP® designation.
CLTC® - Certified in Long-Term Care
What It Is: CLTC stands for Certification for Long-term Care and educates professionals in the fields of insurance, financial services, law, and accounting to best prepare clients for care over an extended number of years.
What it Means: Long-term care is an intricate topic that not only affects the emotional, physical, and financial wellbeing of an individual, but their loved ones as well. It is important to rely on someone who understands the deep intricacies of planning for these expenses.
What it Requires: Earning the CLTC® certification requires dedicated training and education in long-term care planning. Candidates must demonstrate proficiency in assessing long-term care needs, developing appropriate plans, and staying current with industry trends and regulations.
CRPS® - Chartered Retirement Plans Specialist
What It Is: The CRPS® designation is for financial professionals who demonstrate expertise in administering retirement plans for businesses and wholesale clients, allowing clients to maintain their tax-advantaged status.
What it Means: Holders of the CRPS® designation are equipped to implement and oversee internal retirement plans, demonstrating proficiency in areas such as plan design, installation, administration, fiduciary issues, and various retirement plan types. It sets individuals apart by showcasing their ability to recommend effective implementation techniques for well-structured, company-appropriate retirement plans.
What it Requires: To attain the CRPS® designation, individuals must complete a CFFP-offered program covering seven modules, including ERISA, fiduciary standards, and employer-funded plans. The program, completed in 120 days, concludes with an 80-question final exam requiring a 70% passing score.
JD - Juris Doctor
What It It: The JD, or Juris Doctor, is a professional law degree awarded upon the completion of a graduate program at a law school. It is the highest law degree in the United States and is a prerequisite for legal practice in many jurisdictions.
Why It Matters: Attaining this educational milestone provides individuals with a profound comprehension of the legal system. Concerning financial matters, it empowers these individuals to identify patterns within extensive datasets, enhancing their analytical capabilities in the field.