When it comes to investing, the last thing any investor wants to do is end up just short of their goals. Whether it is education funding for a child or grandchild’s higher education, retirement, or any other financial need, working with one of our Financial Consultants can help to ensure you work towards all of your financial objectives.
The financial consultants of Old Course Investment Partners, LLC have been working with individuals and businesses in the area for several years.
Many hold various professional designations, and qualified representatives are registered and licensed to utilize a variety of investment and insurance vehicles through LPL Financial.
Chartered Retirement Planning CounselorSM (CRPC®)
The College for Financial Planning® provides CRPC® students with a thorough education focusing exclusively on retirement planning. Study materials are written and updated regularly by the College's full-time faculty, who specializes in retirement planning, and provide the most current information on retirement options.
The CRPC® program teaches students how to assess a client's long-term planning situation and needs – and then evaluate retirement options and make appropriate recommendations. This is what distinguishes this program from others in the industry.
To be entitled to use this mark, candidates must successfully complete the specialized program, pass a rigorous examination, sign a code of professional ethics, and complete a disclosure form attesting to their professional conduct.
The CRPC® program has been reviewed by the American Council on Education (ACE) and recommended for college credit in the upper-division baccalaureate level in the categories of finance and investments.
All CRPC® designees must sign a commitment to ongoing continuing education to ensure that they receive up-to-date information about current issues impacting the area of retirement planning. Visit www.cffp.edu for more information.
Certified Investment Management AnalystSM (CIMA®)
The CIMA certification signifies that an individual has met initial and on-going experience, ethical, education, and examination requirements for investment management consulting, including advanced investment management theory and application. Prerequisites for the CIMA certification are three years of financial services experience and an acceptable regulatory history.
To obtain the CIMA certification, candidates must pass an online Qualification Examination, successfully complete a one-week classroom education program provided by a Registered Education Provider at an AACSB accredited university business school, pass an online Certification Examination, and have an acceptable regulatory history as evidenced by FINRA Form U-4 or other regulatory requirements.
CIMA designees are required to adhere to IMCA's Code of Professional Responsibility, Standards of Practice, and Rules and Guidelines for Use of the Marks. CIMA designees must report 40 hours of continuing education credits, including two ethics hours, every two years to maintain the certification. The designation is administered through Investment Management Consultants Association (IMCA).
The CIMA certification has earned ANSI® (American National Standards Institute) accreditation under the personnel certification program. The American National Standards Institute, or ANSI, is a private non-profit organization that facilitates standardization and conformity assessment activities in the United States. CIMA is the first financial services credential to meet this international standard for personnel certification. Visit www.imca.org for more information.
CERTIFIED FINANCIAL PLANNER™ (CFP®)
The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® 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 62,000 individuals have obtained CFP® certification in the United States.
To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:
- Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board's studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor's Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board's financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
- Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one's ability to correctly diagnose financial planning issues and apply one's knowledge of financial planning to real world circumstances;
- Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
- Ethics – Agree to be bound by CFP Board's Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals.
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® marks:
- Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
- Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.
CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board's enforcement process, which could result in suspension or permanent revocation of their CFP® certification.