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Target Date Funds: What They Are and When to Use Them

June 1, 2023

These financial tools automatically rebalance as you near retirement. A target date fund is an investment instrument designed to become more conservative as it approaches

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5 Strategies to Boost Your Retirement Savings

June 1, 2023

Whether your retirement date is fast approaching or you still have a few years to go, it’s important to take steps to boost your nest

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Market Commentary | May 30, 2023

May 30, 2023

It’s a three-ring circus! For centuries people have embraced the circus. Enjoying the sticky fluff of cotton candy while elephants, clowns and trapeze artists perform

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Market Commentary | May 23, 2023

May 23, 2023

Investors aren’t happy, but stocks are up. If you ever participated in a fantasy football league, you may have experienced a run on a position

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Market Commentary | May 15, 2023

May 15, 2023

Brace yourself! The debt ceiling standoff continues. Consumers aren’t optimistic. The Consumer Sentiment Index fell to a six-month low in May, dropping 9.1 percent month-to-month.

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Market Commentary | May 9, 2023

May 8, 2023

The labor market just keeps growing…and growing… Last week, the April employment report for the United States arrived. It showed that unemployment dropped to the

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Gratitude’s Impact on Your Money Mindset

May 8, 2023

When we hear the term “gratitude,” most of us think of living a happier and more fulfilling life. We think of slowing down, being mindful,

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5 Podcasts for Business Owners

May 8, 2023

Listening to podcasts is like having a personal coach or mentor for your business. Whether you’re looking for advice, creative ideas, or motivation, they can

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Riches to Rags: Poor Money Choices of 5 Celebs

May 8, 2023

An increase in assets doesn’t come with an increase in financial acumen. Financial Literacy Month is a great time for us all to expand our

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Answering Your Kids Toughest Money Questions

May 8, 2023

Kids ask tough questions about money. It’s how they learn. As a parent, these are teachable moments that offer a chance to impart some financial

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Keystone Financial Services is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Keystone Financial Services and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Keystone Financial Services unless a client service agreement is in place.

The Certified Financial Planner (CFP®) designation is a voluntary certification that 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.
CERTIFIED FINANCIAL PLANNER™ certification is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients’ best interests today to prepare them for a more secure tomorrow.
To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

  • 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). The 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;
  • Pass the comprehensive CFP® Certification Examination. The examination 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;
  • Complete a minimum of three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
  • Agree to be bound by the CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for the 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:

  • Complete thirty hours of continuing education hours every two years, including two hours related to 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
  • 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® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, LLC.
These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

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