In a world of constant economic, political, and social change, consumers engage the guidance of a financial consultant to achieve financial security and independence. A qualified, trained, educated, experienced, and ethical consultant to guide individuals, families and small businesses is essential. We strive to help our clients attain financial independence and minimize risk.

RFC® are required to meet and document stringent requirements in: Experience, Education, Examination, Licensing, Conduct, Ethics, Continuing Education and Re-Certification. This designation and credential represent a high level of competency at following a financial planning process from start to finish and an ability to run a practice efficiently.

Designated Members need to have a clean record for the preceding five (5) years in order to qualify for the Ethics Approved Status.

This professional designation is awarded by the Certified Financial Planner Board of Standards to individuals who have met rigorous education, experience, examination, and ethics requirements. CFP® professionals act as fiduciaries, meaning they are legally required to act in your best interests, and they provide comprehensive advice on retirement, tax, estate, insurance, and investment planning.

Unlike some advisors, CFP® professionals take a holistic approach, so your investments are aligned with your broader financial picture, including, retirement, tax and estate planning.

When selecting a financial planner, you need to feel confident that the person you choose to help you plan to reach your retirement and financial goals is competent and ethical. The CFP® certification can help to provide that sense of confidence.

With a CRC®, you will be working side-by-side with a qualified retirement professional who has earned a credible certification that meets highly rigorous independent accreditation standards.

Whether you're working on accumulating a retirement nest egg or need help creating a retirement income plan that lasts a lifetime, your Certified Retirement Counselor® will be there to help you every step of the way.

A Certified Retirement Counselor®:

• Comprehends what today's complex retirement plans and laws mean to you.
• Identifies appropriate retirement savings and/or income strategies for your particular situation.
• Understands the dynamics of life changing issues.
• Commits to high ethical standards and continuing professional education.

• Examination and Experience - a CRC® must pass a challenging comprehensive exam that tests their knowledge and understanding on how to apply retirement planning concepts and strategies as well as their ability to counsel you on how to make important retirement planning decisions.
• Ethics - a CRC® follows a fiduciary standard of only making recommendations that are in your best interest. A CRC® is required to treat your private and personal information as confidential and not share it without your permission. They also must adhere to the CRC® CODE OF ETHICS and are subject to regular professional conduct reviews.
• Continuing Education - a CRC® is required to maintain current understanding and knowledge of retirement planning topics by submitting to a minimum of 15 hours of relevant continuing education each year.