Why Choose a Certified Financial Planner®?
What is a CFP® Professional?
Most people think all financial planners are “certified,” but this isn’t true.
Just about anyone can use the title “financial planner.”
EDUCATION
CFP® professionals are required to complete
education covering all of the major personal financial planning areas, including investment planning, tax planning, retirement savings and income planning, and estate planning.
Since 2012, we have required new CFP® professionals to have a bachelor’s degree or higher in any discipline.
CFP® PROFESSIONAL
Meets requirements established by CFP Board.
Makes a commitment to CFP Board, as part of their certification, to act in your best interest.
Has demonstrated the knowledge required to deliver holistic financial planning.
Must have a minimum of two years of financial planning experience.
CFP® CERTIFICATION REQUIREMENTS
In order to call themselves a CERTIFIED FINANCIAL PLANNER® professional, these advisors must meet rigorous education, examination and experience requirements and commit to high ethical and professional standards.
EXPERIENCE
CFP® professionals have at least two years of real-life experience providing financial planning services. As a result, CFP® professionals possess practical experience in addition to financial planning knowledge.
THE FIDUCIARY STANDARD
All CFP® professionals commit to CFP Board to act as a fiduciary, and therefore act in their client’s best interests at all times when providing financial advice.
This means your CFP® professional has made a commitment to CFP Board to:
Place your interests above their own interests, or the interests of their firm.
Disclose conflicts of interest to you, obtaining your informed consent and properly managing the conflict.
Continue to put your interests first, even when acting under a conflict of interest.
Comply with the terms of the client engagement and follow your directions, so long as they are reasonable and lawful.
Act with care, skill, prudence and diligence based on your goals, risk tolerance, objective, financial status and personal circumstances.
When you choose your financial planner, be sure to ask for — and get — a written engagement that requires them to have a fiduciary obligation to you.
Jason Cutitta, CFP® , EA
EXAMINATION
CFP® professionals must pass the comprehensive CFP® exam, which tests their ability to apply financial planning knowledge to real-life situations so that they are highly qualified to help you plan for your financial future.
FINANCIAL PLANNER WITHOUT CFP® CERTIFICATION
Not required to meet any set professional standards.
May not be required to put your best interests first.
Level of financial planning knowledge varies.
Years of experience varies.
Free Initial Consultation.
Call or Email for more information.
Phone: (808) 388-5577
Email: jason@tobawealth.com
ETHICS
As a final step to certification, individuals must satisfy CFP Board’s Fitness Standards and commit to abide by CFP Board’s Code of Ethics and Standards of Conduct.
Email: jason@tobawealth.com
Phone: (808) 388-5577
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