Becoming a CERTIFIED FINANCIAL PLANNER™ Professional

Education, Examination, Experience, Ethics

Education

• Most have a four-year finance-related college degree
• All must complete theoretical and practical financial planning training at a college or university offering a curriculum approved by the Certified Financial Planner Board of Standards

Examination

• Pass a comprehensive, two day integrated format certification examination covering:
  • principals of financial, insurance, employee benefits, income tax, retirement , and estate planning and risk management
• Complete recertification bi-annually

Experience

• Must have a minimum three years experience to obtain a working knowledge on financial planning counseling skills

Ethics

• Must pass an ethics review and agree to abide by the CFP Board’s Financial Planning Practice Standards and a strict code of professional conduct known as the CFP Board’s Code of Ethics and Professional Responsibility
• The Code states CFP^® practitioners are to act with integrity, offering professional services that are objective and based on client needs

Not every financial planner is a CERTIFIED FINANCIAL PLANNER™ professional. You and your family deserve nothing less than to work with a CFP^® professional in pursuing your Financial Life Plan.

What will your experience be?

Personnel, Professional, Passionate Financial Life Planning.

• Not being able to take care of yourself and the people you love?
• Not having enough money in retirement?
• Having to rely on someone else to support you? Lack of autonomy?
• Properly transferring wealth to heirs?
• Having excessive debt burden?
• Not having a trusted listener when a partner is gone?
• Effectively managing an inheritance and/or death benefit?

At Lof Financial Advisors, our THREE STEP PROCESS:

• Is complimentary
• Addresses and resolves these concerns

First

• We listen – get to know you and your concerns
• Make written recommendations for your immediate use

Second

• In a working session with you, we compile a detailed, written financial plan to address your concerns and identify areas of opportunity for you future financial well-being.

Third

• We meet with you to explain our investment process and philosophy.

Who are they?  People who are:

• Raising families
• Well into their careers
• Making decisions on
  • Saving for retirement
  • Providing for children’s education
  • Protecting families with life insurance
  • Developing wills and trusts
  • A host of items affecting their family’s current and future financial well being

What do they need?  A financial advocate who will help them:

• Set up their Financial Life Plan
• Deal with today’s economic realities

At Lof Advisors LLC, this is what we do and we do it well. And we do it at a time and place convenient to you.

Independent Advisor Financial Life Planning Services

What it Means to You.

• Access to the finest products and services available with no other considerations other than your best interests

What facilitates our independence?

• Our broker/dealer, Cambridge Investment Research, Inc., endorses a universe of non-propriety investment and financial life planning tools.
  • No pressure to promote in-house products and no sales quotas

Accordingly…

• Lof Financial Advisors provides you with the best of both worlds,
  • An agile Financial Life Planning firm
  • Access to the resources of one of the highest rated broker/dealers in the U.S.

Cambridge Investment Research, LLC

Please visit the Cambridge website, www.cir2.com. Find out more about the meaning of independence in Financial Life Planning.

Family Stewards are people…

• Of all ages who
  • accept the responsibilities of ensuring the financial health for their families
    • spouses and children, grand children and/or parents.
• who guide, facilitate, influence, direct and implement.
• who are compassionate leaders
• who help themselves, family members and family households address financial life-cycle needs:
  • education,
  • retirement,
  • aging,
  • investment management,
  • debt management,
  • estate planning (wills, trusts, etc.),
  • insurance protection,
  • etc. etc. etc.

Successful Financial Life Planning Helps Family Stewards Provide and Care for Their Families.

Lof Financial Advisors and Family Stewards

• We develop all areas of your Financial Life Plan
  • not just investment management.
• Example: Your Final Event – Planning for when either you or your spouse are no longer here
  • Are your trusted advisors’ (attorney, accountant, insurance agent, financial advisor) actions being coordinated?
    • Assure your spouse, family, extended family will be treated as you desire
      • Insurance and annuity beneficiaries
  • Lof Financial Advisors assures all of your advisors are on one agenda.

Are you or should you be your family’s Family Steward?

Contact us. We will understand your needs and work with you to develop your Financial Life Plan.

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