FPA Financial Planning

FPA financial planning is one of the smartest ways to go when you are looking for a personal finance advisor. The Financial Planning Association, or FPA, is the largest organization of certified personal finance experts in the United States and includes professionals from all backgrounds. When seeking guidance regarding your finances, there are several factors to consider. You want to feel confident that your advisor is ethical and knowledgeable about different finance products, but you also want to find one who is able to communicate as well. Through the stringent standards of the FPA, you are likely to find an advisor who embodies all these qualities.

About the FPA

The FPA was founded in the year 2000 after the Institute of Certified Financial Planners and the International Association for Financial Planning married to create a single national organization. For more than a decade, the aim of FPA financial planning has been to connect consumers across the country with professional planners who uphold the association's Code of Ethics. This code has set a high ethical standard that members must abide by in seven separate areas, including integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence. As the master program, the FPA is the leadership and advocacy organization that connects personal finance professionals.

FPA financial planning also includes a Standard of Care, which outlines clear rules for planners in their dealings with consumers. These rules state that planners involved in FPA financial planning must abide by five rules. First, they put the client's best interest first. Second, they must act in good faith, and third, they must never mislead clients. Fourthly, the Standard of Care mandates that planners disclose all material facts, and fifthly, it states that planners must fairly manage all material conflicts of interest. Knowing that your independent planning advisor is held to these rules can offer great peace of mind when it comes to your finances.

FPA financial planning goes beyond one-on-one care between advisors and consumers. The association has also partnered with the Financial Planning Coalition, which works with legislators to ensure positive regulations regarding transparency and best practices to benefit consumers. The association is also heavily involved in community service and has developed many programs to help people better understand their finances. Since President Obama announced that April would become a month dedicated to promoting personal finance literacy, the organization introduced several events and workshops for both children and adults to better understand the basics of personal finance.

Choosing an Advisor

When it comes to you financial future, it can be comforting to know you have a safe, professional way to secure the advice of a hopeful financial planning expert who understands your needs and long-term goals. When you choose FPA financial planning, you know you are receiving expert advice from a professional who is also committed to ethical standards. If you research online companies in your area, you are sure to find several advisors involved in FPA financial planning. This is a great place to start if you have developed a checklist for what to look for in a personal finance expert. You should also ensure that your advisor is certified, that he or she understands your area's unique rules and regulations, and that he or she is in tune with the current economic environment.

Another big factor in determining the right planning expert is communication. This crucial skill can often become overlooked when researching companies. Taking the time to meet different advisors after you have narrowed your list to FPA financial planning experts in your area can help you determine how well you interact with different advisors. Since your primary reasons for enlisting the help of a personal finance expert is probably to develop a solid plan for your future while reaching your long-term dreams, you want to make sure that you feel comfortable sharing your goals with your advisor. Whether your life dream is to retire by the beach, or you simply want to pay for your kids' college tuition, your should feel like your personal finance advisor understands your priorities and can guide you in the direction you want to go.

Finding an FPA financial planning expert can be an easy process through online research of local companies. A little digging into personal finance firms in your area will tell you if certain advisors are members of the association, and also if they are certified personal finance advisors. Both certified and non-certified advisors can be a part of the organization. The advantages of choosing an advisor that you know abides by a code of ethics and is bound by certain standards of care can offer great peace of mind when it comes to your finances, as can taking advantage of educational opportunities presented by the FPA.

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