CFP® Defined

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Our role as your advisor

Each of our founders, Wilson L. Lea, Milan J. Torres, and Kirk A. O'Brien, are CERTIFIED FINANCIAL PLANNER practitioner’s. The CFP® mark distinguishes one from his or her peers in the financial services industry; it represents that a CFP® practitioner has voluntarily met rigorous requirements of education, examination, experience, and abides by the CFP Board’s Standards of Professional Conduct, which includes agreeing to a fiduciary standard of care that places clients’ interests first.

The standards a CFP® practitioner must adhere to are promulgated and enforced by Certified Financial Planner Board of Standards Inc. CFP Board refers to these standards as “the 4Es.”

  • Education. I completed an education requirement to demonstrate to CFP Board that I have the theoretical and practical financial planning knowledge to practice personal financial planning. In addition, every two years, I complete a minimum of 30 hours of continuing education to stay current with developments in the field.
  • Examination. I passed an exam administered by CFP Board to test my understanding of the financial planning process, tax planning, employee benefits, retirement planning, estate planning, investment management and insurance.
  • Experience. Before earning the CFP® certification, I fulfilled a minimum of three years’ experience in the financial planning process.
  • Ethics. I agree to abide by CFP Board’s Code of Ethics and Professional Responsibility. The Code of Ethics requires CFP® certificants to act fairly and diligently, with integrity and objectivity, when providing financial planning services to clients. I also have agreed to submit to background checks by CFP Board and have promised to disclose any investigation or legal proceedings related to my professional or business conduct.

To learn more about each of our founders, please click on the name: 

 

Wilson L. Lea, CFP® 

Kirk A. O'Brien, CFP®

Milan J. Torres, CFP®