Choosing a CFP Certificant
Choosing a financial planner may be one of the most important decisions you make for yourself and your loved ones. Financial planners can provide you and your family with guidance over your lifetime, or work with you to address specific concerns as needed.
Regardless of how you choose to work together, a planner can play a central role in helping you meet your life goals and achieve financial well-being. Consequently, take the time to select a financial planner who is competent and trustworthy, one on whom you can depend for professional advice and services.

Marks of Quality
CFP^CM, CERTIFIED FINANCIAL PLANNER^CM and are certification marks owned outside the U.S.by the Financial Planning Standards Board Ltd (FPSB) which help you identify financial planners who are committed to competent and ethical behaviour when providing financial planning services. The Institute of Financial Planners of Hong Kong Limited (IFPHK) is the marks licensing authority for the CFP marks in Hong Kong and Macau through agreement with FPSB.
When you work with a CFP professional, you will be the focus of the financial planning relationship and your needs will drive the financial planner’s recommendations. As a client, you can choose from a wide variety of planners and planning services.

Tested of Competency
When selecting a financial planner, you need to feel confident that the person you choose to help you plan for your future is competent and ethical. CFP professionals will give you such confidence because to earn the right to use the CFP certification marks, candidates must complete the competency requirements including, Education, Examination, Experience, and Ethics.

Certification Renewal
CFP professionals are required to maintain technical competence and fulfill ethical obligations on an ongoing basis. Every year, they must complete a minimum of 15 hours of continuing education to stay current with developments in the financial planning profession and better serve clients.

The Financial Planning Process
The financial planning process is designed for your planning success. CFP professionals will carefully take you through each step as follows:
• Establishing client-planner relationships
• Gathering client data, and determining goals and expectations
• Determining the client's financial status by analyzing and evaluating client's information
• Developing and presenting the financial plan
• Implementing the financial plan
• Monitoring the financial plan

A Matter of Trust
As more people call themselves "financial planners", finding the right professional to address your financial planning needs is not always easy. Consequently, you should take your time to select a financial planner, who will put you and your needs at the centre of every financial planning engagement.

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