Our Designations
Here at Cardinal Financial Advisers LLC, our team is committed to continuing education so we can provide the best advice and counsel to our clients. Please feel free to browse through them to learn more about how we can serve you.
Steven's Designations
AEP® Designation
The AEP® Designation is a graduate-level specialization in estate planning, obtained in addition to already recognized professional credentials within the various disciplines of estate planning who support the team concept of estate planning. It is awarded to estate planning professionals who meet stringent requirements of experience, knowledge, education, professional reputation, and character.
Chartered Life Underwriter (CLU®)
Since 1927, the CLU® has been the respected risk management credential for advisors. Designees have completed eight or more college-level courses representing an average study time of 400 hours. Topics for required courses include insurance and financial planning, life insurance law, estate planning, and planning for business owners and professionals. Elective courses include such advanced topics as income taxes, group benefits, retirement planning, and health insurance. CLU® designees must meet experience and continuing education requirements and must adhere to a high ethical standard. The mark is awarded by The American College, a non-profit educator with the top level of academic accreditation.
Chartered Advisor in Philanthropy (CAP®)
The advisor earning the CAP® designation has taken three graduate school courses in philanthropy including planning for impact in the context of family wealth, charitable strategies, and gift planning in a nonprofit context. The courses are offered through the Irwin Graduate School of The American College, a non-profit educator founded in 1927 and the highest level of academic accreditation. CAP® advisors must meet experience, ethics, and continuing education requirements to use the credential.
Chartered Financial Consultant (ChFC®)
The ChFC® designation has been a mark of excellence for almost thirty years and currently requires nine college-level courses, the most of any financial planning credential. Average study time to earn the ChFC® exceeds 450 hours. Required courses cover extensive education and application training in financial planning, income taxation, investments, and estate and retirement planning. Additional electives are chosen from such topics as macroeconomics, financial decisions for retirement, and executive compensation. ChFC® designees must meet experience requirements and adhere to continuing education and ethical standards. The credential is awarded by The American College, a non-profit educator founded in 1927 and the highest level of academic accreditation.
Life Underwriting Training Council Fellow (LUTCF)
This is a professional designation that marks an agent’s long-term commitment to professionalism on behalf of clients, establishes the agent’s competence and business experience, marks a commitment to the American College’s and NAIFA’s Code of Ethics and fosters additional professional development. A Fellow has successfully completed five courses of the curriculum, in addition to an Ethics Course and must be a member in good standing of the National Association of Insurance and Financial Advisors (NAIFA).
Retirement Income Certified Professional (RICP®)
The RICP® designation teaches advisers techniques and best practices used to create sustainable streams of retirement income. The education covers retirement income planning, maximizing Social Security and other income sources, minimizing risks to the plan, and managing portfolios during the asset distribution phase. The designation includes three required, college-level courses that represent a total average study time of more than 150 hours. RICP® designees must meet experience, continuing education and ethics requirements. The credential is awarded by The American College, a non-profit educator founded in 1927 and the highest form of academic accreditation.
Master’s of Science in Financial Services (MSFS)
The Master's of Science in Financial Services (MSFS) degree is awarded to those who complete 36 hours of course credits that focus on increasing skills related to analyzing, planning, and implementing cohesive financial strategies. Graduates of the MSFP program have a strong foundation in financial planning principles using sound, ethical, business practices.
Wealth Management Certified Professional (WMPC®)
The American College awards the WMCP® and descibes it in this manner: The WMCP® credential uses contemporary investment management, portfolio management, and financial planning strategies to bring a new level of value to the relationship between financial advisors and investors. WMCP® provides advisers with a deep understanding of investment management and financial planning, and how they can be used to meet clients’ goals. They develop an expertise in analyzing and identifying goals and risk tolerance and building investment management plans tailored to the needs of their clients.
Juli's Designations
Retirement Income Certified Professional (RICP®)
The RICP® designation teaches advisers techniques and best practices used to create sustainable streams of retirement income. The education covers retirement income planning, maximizing Social Security and other income sources, minimizing risks to the plan, and managing portfolios during the asset distribution phase. The designation includes three required, college-level courses that represent a total average study time of more than 150 hours. RICP® designees must meet experience, continuing education and ethics requirements. The credential is awarded by The American College, a non-profit educator founded in 1927 and the highest form of academic accreditation.
Information regarding the listed designations has been sourced from The American College. See here for additional information: https://www.theamericancollege.edu/designations-degrees
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