Why Choose a CFP® Professional?
Not all financial planners are created equal. While anyone can call themselves a “financial planner,” only those who meet the rigorous certification and renewal standards set by the CFP Board can use the CFP® designation.
Choosing a CERTIFIED FINANCIAL PLANNER™ professional means choosing someone who has gone above and beyond to demonstrate their competence, commitment, and ethical responsibility. CFP® professionals voluntarily commit to a demanding certification process that ensures they’re equipped to provide knowledgeable, trustworthy financial guidance. This process is built around what’s known as “The Four E’s”: Education, Examination, Experience, and Ethics.
When planning for your financial future, you want to work with someone you can trust—someone who’s qualified and puts your interests first. The CFP® certification offers that assurance.
The Four E’s of CFP® Certification
Education:
CFP® professionals are required to complete a comprehensive academic program in financial planning through a college or university approved by the CFP Board. Alternatively, they may satisfy the education requirement by demonstrating equivalent coursework or holding specific professional designations or degrees. This ensures a strong foundation in real-world financial planning.
Examination:
To earn the CFP® marks, candidates must pass a rigorous, comprehensive exam that tests their ability to apply financial planning principles across key areas: retirement, tax, estate planning, investment, insurance, and more. The exam reflects what financial planners actually do, ensuring that successful candidates are ready to serve real client needs.
Experience:
CFP® professionals must have at least three years of relevant financial planning experience. This hands-on background ensures they have practical knowledge and the interpersonal skills needed to guide clients through life’s financial decisions.
Ethics:
Ethical conduct is a cornerstone of the CFP® certification. Candidates must adhere to the CFP Board’s Code of Ethics and Standards of Conduct, which includes a commitment to acting in the best interests of clients. A thorough background check and ongoing disclosure requirements help protect the integrity of the designation and your peace of mind.
What the Code of Ethics Means for You
CFP® professionals pledge to act with integrity, objectivity, and diligence. They’re committed to putting your interests ahead of their own and providing advice that is transparent, competent, and tailored to your goals. They must also disclose any potential conflicts of interest and explain how they are compensated—so you always know where you stand.
Maintaining the Standard
CFP® professionals don’t stop learning once they’re certified. Every two years, they must complete at least 30 hours of continuing education to stay up to date with evolving financial trends and regulations—including at least two hours focused specifically on ethics and professional responsibility. As part of the renewal process, they must also report any disciplinary or legal actions, reinforcing a standard of accountability.
When you work with a CFP® professional, you’re partnering with someone who has made a serious commitment to serving you with integrity and expertise. It’s not just a title—it’s a promise.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, Certified Financial Planner®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
