| If you're shopping for financial planning
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| | exist, but these three are the most
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| services, it may seem like a jungle out
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| | reliable. Since many unscrupulous
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| there. There are advertisements
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| | individuals decide to call themselves
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| everywhere, and everybody seems "nice,"
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| | "financial planners," you'd be wise to
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| but nice won't cut it when it comes to
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| | look for one with a certification from a
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| your money. How can you cut to the chase
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| | nationally recognized organization.Since
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| and find a financial planning expert that
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| | the Securities and Exchange Commission
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| you can trust.Start by learning what the
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| | doesn't regulate smaller financial
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| different designations mean. You may
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| | advisors (those with under $25 Million
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| have noticed that there are three popular
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| | under advisement), it is up to you to
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| financial designations that most
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| | screen your financial planner
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| financial planners hold. You'll want to
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| | carefully.You can begin by checking on
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| choose one with one of the following
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| | the website of the National Association
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| designations.Like many CPA's, a Certified
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| | of Securities Dealers website. They list
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| Financial Planner (CFP) must attend about
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| | financial planners who have been
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| two years of training and pass a rigorous
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| | disciplined on their website.
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| test. This designation is given by the
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| | Information is also available by
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| Certified Financial Planning Board of
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| | telephone from this association's toll
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| Standards, a national organization.
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| | free number (800-289-9999). Also check
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| After two years of preparatory courses, a
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| | with your state's securities division for
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| Certified Financial Planner must earn a
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| | disciplinary actions and complaints.Ask
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| passing grade on a ten-hour test given
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| | your planner for a copy of Form ADV, Part
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| over the course of two days. The
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| | II. If you aren't familiar with the
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| Financial Planning Association can
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| | form, they will be. This form is
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| provide you with a listing of Certified
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| | required by the Securities and Exchange
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| Financial Planners.You may have also
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| | Commission from every financial planner
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| encountered some Chartered Financial
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| | and should spell out how and what the
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| Consultants. These graduates of American
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| | planner will be paid and any incentives
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| College in Pennsylvania have completed a
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| | they may earn. Sometimes they will
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| series of exams and obtained real life
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| | provide this information in brochure or
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| experience before earning their
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| | pamphlet form, but you'll know up front
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| designation. However, the program is
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| | what your fees will be.Finally, check
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| geared more toward the insurance
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| | references. A reputable planner won't
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| profession than broad based financial
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| | mind giving you a few references to call.
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| planning. The Society of Financial
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| | Find out if they handle portfolios
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| Professionals can provide you with a
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| | similar to yours and if the client is
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| listing of these consultants.The American
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| | satisfied with their services. Ask about
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| Institute of Certified Public Accountants
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| | fees.It's your future, so doing a little
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| offers its own designation, a Personal
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| | homework up front and making sure that
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| Financial Specialist (PFS). Certified
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| | you're getting what you pay for is well
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| Public Accountants can earn this
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| | worth it in the long run. Make sure that
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| additional designation by completing a
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| | your financial planner holds a nationally
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| series of comprehensive tests and
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| | recognized designation and check him out
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| demonstrate experience in financial
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| | before you hand over your hard earned
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| planning. Most of these designates are
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| | money. Your time and effort is a wise
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| members of the National Association of
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| | investment when shopping for a financial
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| Personal Financial Advisors, and they can
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| | planner.Jay Moncliff is the founder of a
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| refer you to a PFS in your area.All of
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| | website specialized on Finance, resources
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| the above certifying agencies require at
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| | and articles. This site provides updated
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| least three years of experience prior to
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| | information on Finance.
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| certification. Other designations do
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