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We strive to provide strategic review, analysis, recommendations and excellent service.
We strive to provide strategic review, analysis, recommendations and excellent service.
We are an independent financial services firm. Rick Clifford Certified Financial Planner® will collect all of your financial documents and after carefully evaluating your situation, will give you advice on a plan that best fits your needs.
Personalized Financial Plans & Analysis
We offer custom built comprehensive and modular fee based financial planning, via hourly pricing & packaged plans. Financial plans are provided by Rick Clifford as a registered representative of LPL Financial.
A cornerstone of financial planning is the recognition that everyone’s economic and life situation is unique. Personalized service is essential when matching clients with the right financial products and services.
A commitment to professionalism and the cooperative development of unique, personal goals forms the foundation of any strong financial plan.
A financial plan must reflect the stage of life its owner is in: whether purchasing a first home, financing a child’s college education or planning for retirement. A plan must reflect its owner’s personal or business situation, and highlight those financial products that best fit it. A custom-tailored financial plan must also be continually reviewed to measure its achievements against stated aims, and ensure the owner is comfortable and everything is moving forward according to plan.
Most people think all financial planners are “certified,” but this isn’t true. Anyone can call himself a “financial planner.” Only those who have fulfilled the certification and renewal requirements of CFP Board can display the CFP® certification marks, which represent a high level of competency, ethics and professionalism. CFP Board’s Standards of Professional Conduct require CFP® professionals to act in your best interest, putting your needs above their own.
CFP® Certification Requirements
Education
Unlike many financial advisors, CFP® professionals must develop their theoretical and practical knowledge by completing a comprehensive course of study at a college or university offering a personal financial planning (link to home page) curriculum approved by CFP Board. Applicants may also satisfy the education requirement by submitting a transcript review or previous financial planning-related course work. Or, they can show that they have attained certain professional designations or academic degrees that cover the important subjects in CFP Board’s financial planning curriculum.
Examination
CFP® professionals must pass the comprehensive CFP® Certification Exam, which tests their ability to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance. The average pass rate for this difficult exam is only 56%. This comprehensive exam ensures that Certified Financial Planner™ professionals are highly qualified to develop a plan for your finances.
Ethics
When it comes to ethics and professional responsibility, Certified Financial Planner™ professionals are held to the highest of standards. CFP Board’s Code of Ethics outlines CFP® professionals’ obligations to uphold principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence. And the Rules of Conduct require CFP® professionals to put your interests ahead of their own at all times and to provide their financial planning services as a “fiduciary” — acting in the best interest of their financial planning clients. CFP® professionals are subject to CFP Board sanctions if they violate these standards. https://www.cfp.net/
“Why Choose a CFP® Professional Copyright ©2012 Certified Financial Planner Board of Standards, Inc. All rights reserved. Used with permission.” AND “CFP Board’s Consumer Guide to Financial Planning Copyright ©2012 Certified Financial Planner Board of Standards, Inc.”
