{"id":2057,"date":"2018-05-11T18:18:20","date_gmt":"2018-05-11T18:18:20","guid":{"rendered":"https:\/\/the7.io\/creative\/?page_id=2057"},"modified":"2019-01-25T02:10:21","modified_gmt":"2019-01-25T02:10:21","slug":"disclaimer","status":"publish","type":"page","link":"https:\/\/fi-nancialplanner.com\/index.php\/disclaimer\/","title":{"rendered":"Disclaimer"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text]<\/p>\n

Disclaimer<\/h1>\n

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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_separator border_width=”2″]
<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]All written content on this site is for information purposes only and is provided \u201cAS IS\u201d and\u00a0<\/span>FI-nancial Planner LLC\u00a0(referred to as “FI-P”) disclaims all warranties, express or implied, to the fullest extent permissible pursuant to applicable laws, including, but not limited to, implied warranties of merchantability, non-infringement and suitability for a particular purpose. Opinions expressed herein are solely those of unless otherwise specifically cited.\u00a0 Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties\u2019 informational accuracy or completeness. \u00a0All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.<\/p>\n

None of the information provided on this website is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information is at your sole risk. Under no circumstances shall FI-P be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if FI-P or a FI-P authorized representative has been advised of the possibility of such damages. In no event shall FI-nancial Planner LLC have any liability to you for damages, losses and causes of action for accessing this site. Information on this website should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.<\/span><\/p>\n

FI-nancial Planner, LLC (\u201cFI-P\u201d) is a registered investment adviser offering advisory services in the State(s) of Virginia and in other jurisdictions where exempted.\u00a0 Registration does not imply a certain level of skill or training. To reiterate, the presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by FI-P in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.[\/vc_column_text]

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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]The CERTIFIED FINANCIAL PLANNER\u2122, CFP\u00ae <\/b>and federally registered CFP (with flame design) marks (collectively, the \u201cCFP\u00ae marks\u201d) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (\u201cCFP Board\u201d).<\/p>\n

The CFP\u00ae certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP\u00ae certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP\u00ae certification in the United States.<\/p>\n

To attain the right to use the CFP\u00ae marks, an individual must satisfactorily fulfill the following requirements:<\/p>\n

    \n
  • Education \u2013 Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board\u2019s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor\u2019s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board\u2019s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;<\/li>\n
  • Examination \u2013 Pass the comprehensive CFP\u00ae Certification Examination. The examination, administered in 6 hours, includes case studies and client scenarios designed to test one\u2019s ability to correctly diagnose financial planning issues and apply one\u2019s knowledge of financial planning to real world circumstances;<\/li>\n
  • Experience \u2013 Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and<\/li>\n
  • Ethics \u2013 Agree to be bound by CFP Board\u2019s Standards of Professional Conduct<\/i>, a set of documents outlining the ethical and practice standards for CFP\u00ae professionals.<\/li>\n<\/ul>\n

    Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP\u00ae marks:<\/p>\n

      \n
    • Continuing Education \u2013 Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics<\/i> and other parts of the Standards of Professional Conduct<\/i>, to maintain competence and keep up with developments in the financial planning field; and<\/li>\n
    • Ethics \u2013 Renew an agreement to be bound by the Standards of Professional Conduct<\/i>. The Standards<\/i> prominently require that CFP\u00ae professionals provide financial planning services at a fiduciary standard of care. This means CFP\u00ae professionals must provide financial planning services in the best interests of their clients.<\/li>\n<\/ul>\n

      CFP\u00ae professionals who fail to comply with the above standards and requirements may be subject to CFP Board\u2019s enforcement process, which could result in suspension or permanent revocation of their CFP\u00ae certification.[\/vc_column_text]

      <\/div>[vc_separator border_width=”2″]
      <\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Certified Public Accountant (CPA<\/b>) CPAs are licensed and regulated by their state boards of accountancy. While state laws and regulations vary, the education, experience and testing requirements for licensure as a CPA generally include minimum college education (typically 150 credit hours with at least a baccalaureate degree and a concentration in accounting), minimum experience levels (most states require at least one year of experience providing services that involve the use of accounting, attest, compilation, management advisory, financial advisory, tax or consulting skills, all of which must be achieved under the supervision of or verification by a CPA), and successful passage of the Uniform CPA Examination. In order to maintain a CPA license, states generally require the completion of 40 hours of continuing professional education (CPE) each year (or 80 hours over a two year period or 120 hours over a three year period). Additionally, all American Institute of Certified Public Accountants (AICPA) members are required to follow a rigorous Code of Professional Conduct<\/i> which requires that they act with integrity, objectivity, due care, competence, fully disclose any conflicts of interest (and obtain client consent if a conflict exists), maintain client confidentiality, disclose to the client any commission or referral fees, and serve the public interest when providing financial services. The vast majority of state boards of accountancy have adopted the AICPA\u2019s Code of Professional Conduct <\/i>within their state accountancy laws or have created their own.[\/vc_column_text]
      <\/div>[vc_separator border_width=”2″]
      <\/div>[\/vc_column][\/vc_row][vc_row bg_type=”bg_color” bg_color_value=”rgba(201,214,194,0.25)” css=”.vc_custom_1540859386082{margin-right: 50px !important;margin-left: 50px !important;}”][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

      [vc_row][vc_column][vc_column_text] Disclaimer [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator border_width=”2″][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]All written content on this site is for information purposes only and is provided \u201cAS IS\u201d and\u00a0FI-nancial Planner LLC\u00a0(referred to as “FI-P”) disclaims all warranties, express or implied, to the fullest extent permissible pursuant to applicable laws, including, but not limited to, implied warranties of merchantability, non-infringement and suitability for a particular…<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":210,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-2057","page","type-page","status-publish","hentry","description-off"],"yoast_head":"\nDisclaimer - 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