CFP® Certification Requirements
When you engage the services of trueNorth Wealth Advisors, you have secured a team of CERTIFIED FINANCIAL PLANNING™ professionals to help you. The CFP® certification is the most trusted designation in the financial planning profession.
The “4 Es” of the CFP® certification equips each candidate the ability to provide comprehensive advice.
The Education Requirement
The two-part education requirement includes both (1) completing coursework on financial planning through a CFP Board Registered Program, and (2) holding a bachelor’s degree or higher (in any discipline) from an accredited college or university. The candidate must complete the coursework before they can take the CFP® exam.
The Exam Requirement
Passing the CFP® exam demonstrates that a candidate has attained the knowledge and competency necessary to provide comprehensive personal financial planning advice. The CFP® exam is a 170-question, multiple-choice test that consists of two 3-hour sessions over one day. The exam is includes stand-alone and scenario-based questions, as well as questions associated with case studies.
The Experience Requirement
The experience requires the candidate to complete either 6,000 hours of professional experience related to the financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.
The Ethics Requirement
The ethics requirement indicates the candidate has agreed to adhere to a high ethical and professional standard for the practice of financial planning, and to act as a fiduciary when providing financial advice to each client, always putting their best interests first.
We’re a good fit if you’re serious about developing a financial plan that identifies what is truly important to you and want actionable steps to help you achieve your goals. We’re also a good fit if you want professional management of a globally diversified, low-cost investment portfolio that supports your personal goals whether you’re accumulating assets for retirement or you’re ready to convert your nest egg into a retirement paycheck.
- We are a fee-only firm, that’s fundamental. We don’t think it makes sense for you to trust your financial decisions with an advisor who is subject to the conflicts of interest that commissions or referral fees can generate.
- We have developed a financial planning process that is collaborative, detailed, and systematic. If you come to us feeling uncertainty about your financial future, by the time we have worked together through the financial planning process, you’ll have a better understanding of exactly what needs to be done and just as importantly—why.
- As investment advisors, our portfolio management process is as disciplined as our planning process, and provides the same benefits: peace of mind, clarity in the face of uncertainty, and a strategy designed specifically for you and your life goals—your personal trueNorth.
As a team of fee-only Certified Financial Planner™ professionals, we are strongly positioned to deliver the benefits of a team approach as well as the objectivity of an independent advisor-owned firm.
trueNorth shall exercise its best efforts to act in good faith
and in the best interests of the client.
trueNorth shall provide written disclosure to the client prior to the engagement, and thereafter throughout the term of the engagement, of any conflicts of interest, which will or reasonably may compromise our impartiality or independence.
trueNorth, or any party in which trueNorth has a financial interest, does not receive any compensation or other remuneration that is contingent on any client's purchase or sale of a financial product. We do not receive a fee
or other compensation from another party based on the referral
of a client or the client's business.
Karen O’Brien, CPA, CFP® Joe Hebert, CFP®
Brooke Trinh, PhD, CFP® Kathi McMahon, M.S., CFP®