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Why Choose a CFP®?

Today there are many professionals in my field that call themselves a "financial planner". But not just anyone can call himself or herself a CERTIFIED FINANCIAL PLANNER professional. As a consumer, it’s important to understand the difference. Allow me to take this opportunity to explain why.

I have earned the right to call myself a CFP® professional because I have voluntarily agreed to meet rigorous education, examination and experience standards. I participate in ongoing professional education and I follow a strict code of professional ethics and standards of practice. The standards I adhere to are enforced by Certified Financial Planner Board of Standards Inc. The CFP Board refers to these standards as "the 4Es."

Education. I completed an education requirement to demonstrate to the CFP Board that I have the theoretical and practical financial planning knowledge to practice personal financial planning. In addition, every two years, I complete a minimum of 30 hours of continuing education to stay current with developments in the field.

Examination. I passed a comprehensive two-day, 10 hour exam administered by the CFP Board to test my understanding of the financial planning process, tax planning, employee benefits, retirement planning, estate planning, investment management and insurance.

Experience. Before earning the CFP® certification, I fulfilled a minimum of three years’ experience in the financial planning process.

Ethics. I agree to abide by the CFP Board’s "Code of Ethics and Professional Responsibility." The "Code of Ethics" requires CFP® certificants to act fairly and diligently, with integrity and objectivity, when providing financial planning services to clients. I also have agreed to submit to background checks by CFP Board and have promised to disclose any investigation or legal proceedings related to my professional or business conduct.

It’s never too early and never too late to take charge of your financial future. Please contact me to learn more. I would be pleased to meet with you to answer your questions.


James Kramer III, MBA, CEPA®, CFP®
Kramer Financial