Why is a Certified Financial Planner so important?

Roche Certified Financial Planners (CFPs) provide the well-rounded, forward-thinking planning that provides the foundation for sound life-long financial decision making.

What is a Certified Financial Planner (CFP)?

The CFP designation is a professional certification for financial planners who must meet educational, examination, experience and ethics requirements. Additionally, CFPs are required to qualify to renew their designation annually.

Certified Financial Planners are akin to navigators or 'skippers' on a ship. When planning a trip from point A to point B, the skipper must consider all the variable risks of the journey. He or she will continually recheck the position, making corrections along the way to ensure the ship stays on course.

Your Roche Certified Financial Planner will help you assess where you are today, understand where you want to be tomorrow and help you assess and manage the risks along the way. They are the 'skippers' of your financial ship.

Our Roche CFPs have thorough knowledge of the following areas, to name a few:

  • General Principles of Finance and Financial Planning
  • Insurance Planning
  • Employee Benefits Planning
  • Investment & Securities Planning
  • Provincial and Federal Income Tax Planning
  • Asset Protection Planning
  • Retirement Planning
  • Estate Planning
  • Financial Planning & Consulting

What is the difference between a Certified Financial Planner (CFP) and a Chartered Financial Analyst (CFA)?

The CFA designation stands for Chartered Financial Analyst, and is usually a designation for people working as analysts or personal portfolio managers at investment management firms or brokerage firms/investment banks.

Generally, CFAs work in the part of finance which deals with institutional investments – either managing pension plan or hedge fund money, or recommending securities to those who do.

CFPs, on the other hand, advise on overall financial planning, which may include investment portfolios, but more importantly includes cash/debt positions, tax management, risk management, retirement management, estate management, etc.

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