Certified Financial Planning

Financial Planning, as practiced by a Certified Financial Planner, or CFP®, is a six-step process that encompasses the following principles:

  • Establish and defining the client/planner relationship
  • Gathering client data including goals
  • Analyzing and evaluating the clients financial status
  • Developing and presenting financial planning recommendations and/or alternatives
  • Implementing the financial planning recommendations
  • Monitoring the financial planning recommendations

Anyone can call themselves a financial planner. Only those who have completed the educational process registered with the Certified Financial Planner Board of Standards, passed a comprehensive 10-hour CFP® Certification Examination, and have a minimum of three years’ experience in the financial planning process have the right to use the CFP certification marks.

Certified Financial Planners are committed to and abide by a strict code of professional conduct, known as the CFP Boards Code of Ethics and Professional Responsibility. A CFP has agreed to act fairly and diligently when providing financial planning advice and will always place your interests first. A CFP will act with integrity, providing you with professional services that are objective and designed with your needs in mind.

CFP Practitioners are required to complete 30 hours of continuing education every two years. Two of the required continuing education credits must be devoted to the study of the CFP Boards Code of Ethics.

Your local Certified Financial Planner is as close as the Trust Department of Highpoint Community Bank.

Highpoint Wealth Management is ready to help you secure your financial future. Contact us today.

Investment, annuity, and insurance products and services are:

  • Not a Deposit
  • Not FDIC Insured
  • Not Insured by any Federal Government Agency
  • Not Guaranteed by the Bank
  • May Go Down in Value