你们是受托人吗?

DecisionPoint金融, LLC is a Registered Investment Advisor (RIA) with a fiduciary duty of loyalty to our clients.

RIA对他们的客户负有信托责任. This means that we are legally obligated to always act in your best financial interest.  非ria财务顾问, 比如经纪自营商, 可能只需要提供适合他们客户的建议.  这意味着他们可以提供满足客户需求的理财建议, 但这可能会给他们带来销售佣金或更高的费用.

RIA’s register with either the Securities and Exchange Commission (SEC) or state securities regulators.  DecisionPoint金融, LLC在美国证券交易委员会注册.  SEC regulation and oversight ensures that all representatives of DecisionPoint are serving your interests as fiduciaries.  The regulators provide websites where you can research any complaints against your financial advisor. 对于RIA，你可以使用 投资顾问公开披露网站; and for Brokers governed by FINRA, you can go to BrokerCheck.

RIA必须清楚地披露任何利益冲突.  DecisionPoint must be fully transparent when disclosing all fees and potential conflicts of interests to our clients.   

你是CFP专业人士吗?

DecisionPoint金融拥有许多注册财务规划师™专业人员. 

大多数人认为所有的理财规划师都是“合格的”，但事实并非如此.  任何人都可以称自己为“理财规划师”.”  Only those who have fulfilled the certification and renewal requirements of the CFP Board can display the CFP® certification marks.  在选择理财规划师时, you need to feel confident that the person you choose to help you plan for your future is competent and ethical.  The CFP® certification provides that sense of security by allowing only those who meet the following requirements the right to use the CFP® certification marks:

教育:  CFP® professionals must develop their theoretical and practical financial planning knowledge by completing a comprehensive course of study at a college or university offering a financial planning curriculum approved by the CFP Board.

检查:  CFP® practitioners must pass a comprehensive CFP® Certification Examination that tests their ability to apply financial planning knowledge in an integrated format.  基于对计划者所做的常规研究, 该考试涵盖了财务规划过程, 税收筹划, 员工福利和pg电子平台, 遗产规划, 投资管理及保险.

经验:  CFP® professionals must have two years minimum experience in the financial planning process prior to earning the right to use the CFP® certification marks.  结果是, CFP® practitioners possess financial counseling skills in addition to financial planning knowledge.

ETHICS:  作为认证的最后一步, CFP®从业人员同意遵守严格的职业行为准则, 被称为CFP委员会的道德和职业责任准则, 这阐明了他们对公众的道德责任, 客户及雇主.  通过道德准则, CFP® practitioners agree to act fairly and diligently when providing you with financial planning advice and services, 把自己的利益放在第一位.  《pg电子平台》规定，CFP®从业人员必须诚信行事, 为您提供客观的、基于您需求的专业服务.  They are required to provide you with information about their sources of compensation and conflicts of interest in writing.

正在进行认证:  一次认证, CFP® practitioners are required to maintain technical competence and fulfill ethical obligations.  每两年一次, they must complete a minimum 30 hours of continuing education to stay current with developments in the financial planning profession and better serve their clients.