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​​​The financial planning profession exists to help people reach their financial goals and dreams. Financial planners demonstrate and support a professional commitment to education and a client-centered financial planning process.​

The Financial Planning Process

Financial planning is the process of establishing personal and financial goals and creating a way to reach them. The ongoing process involves taking stock of all your existing resources, developing a plan to utilize them and systematically implementing the plan in order to achieve your short- and long-term goals.

The plan must be monitored and reviewed periodically so adjustments can be made, if necessary, to assure that it continues to move you toward your financial goals. Those seeking a CERTIFIED FINANCIAL PLANNER™​ professional career ​​are held to high standards of education, experience and ethics.


Also known as CFP® certificants, these individuals must meet the following qualifications, as specified by the Certified Financial Planner Board of Standards, Inc., in order to use the CFP® marks:


An individual must successfully complete CFP Board's comprehensive certification examination, which tests the individual's knowledge on a number of key financial planning topics.


Depending on the level of degree work completed in a collegiate setting, an individual must acquire three to five years of financial planning-related experience prior to receiving the right to use CFP® marks.


CFP Board adopted the Code of Ethics to establish the highest principles and standards. These Principles are general statements expressing the ethical and professional ideals certificants and registrants are expected to display in their professional activities. As such, the Principles are aspirational in character and provide a source of guidance for certificants and registrants.


A CFP® certificant must obtain 30 hours of continuing education every two years in the body of knowledge pertaining to financial planning areas such as:​

  • Estate Planning
  • Retirement Planning
  • Investment Management
  • Tax Planning
  • Employee Benefits
  • Insurance

CFP Board

T​​he Certified Financial Planner Board of Standards, Inc.​, is a professional organization that regulates the CERTIFIED FINANCIAL PLANNER™ marks and requires certificants to subscribe to CFP Board's Code of Ethics.