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Why A CFP?

Many people think all financial planners are “certified,” but this isn’t true. Anyone can call themselves a “financial planner.” But only those who have fulfilled the rigorous education, exam, and experience requirements can be truly Certified Financial Planners™. A CFP® represents a high level of competency, ethics, and professionalism as well as a commitment to look out for your interests above their own. CFP® professionals must meet the following requirements to obtain and maintain the Certified Financial Planner™ certification.


Unlike many who claim to be financial planners, 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 curriculum approved by the CFP Board.


CFP® professionals must pass the comprehensive 2-day 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 planningestate planninginvestment management, and life insurance. According to the CFP® Board’s website,, 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.


Certified Financial Planner™ professionals must have a minimum of three years’ experience in the financial planning process prior to earning the right to use the CFP® certification marks. This hands-on experience helps to ensure that CFP® professionals have practical financial planning knowledge, so you can count on them to help you create a realistic financial plan that fits your individual needs.


When it comes to ethics and professional responsibility, Certified Financial Planner™ professionals are held to the highest of standards. The CFP Board’s Code of Ethics outlines CFP® professionals’ obligations to uphold principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence. And theCFP® Rules of Conduct require CFP® professionals to put your interests above their own and to provide financial planning services as a “fiduciaries” — professionals required by law to act in the best interests of their clients. CFP® professionals are subject to CFP Board sanctions if they violate these standards.


The CFP Board’s rigorous enforcement of its Standards of Professional Conduct — including releasing disciplinary information to the public — distinguishes the CFP® certification from the many other designations in the financial services industry. Everyone who seeks CFP® certification is subject to a background check, and those whose past conduct falls short of CFP Board’s ethical and practice standards can be barred from becoming certified. After attaining certification, a CFP® professional who violates the CFP Board’s ethical and practice standards becomes subject to disciplinary action up to the permanent revocation of certification. Through diligent enforcement of its ethical and practice standards, the CFP Board provides you with the confidence that your CFP® professional is both competent and ethical.


Now that you know why the CFP® certification is the gold standard for financial planners, let us put our expertise into practice in helping you plan for a secure, comfortable retirement. We’ll analyze your savings and retirement goals and determine if you have enough to meet those goals. We can help find the right mix of investments with the objective of outpacing inflation without subjecting your portfolio to unnecessary risk. And we’ll help you craft an effective estate plan to build a legacy and care for love ones after you’ve passed on. We are based in Salt Lake City, Utah and serve clients throughout the state. To see if we’re a good fit for each other, contact us and schedule a free, no-obligation financial consultation.

Meet our team and learn why we’re a top financial advisor in Utah. Learn about our wealth management services.

CFP Professionals in Salt Lake City, Utah
Serving clients throughout Utah
6955 Union Park Center #250, Midvale, UT 84047
(801) 316-4100