|
Affiliations
Cuthbert Financial Guidance, Inc. is a proud member of the following societies, and adheres to their standards of professional excellence and integrity:
 Commitment to Continued Education
The Certified Financial Planner Board of Standards is a professional regulatory organization. It fosters professional standards in personal financial planning so that the public values, has access to and benefits from competent financial planning. Individuals who meet rigorous certification requirements are certified by CFP Board to use its certification trademark. Helga Cuthbert is a CERTIFIED FINANCIAL PLANNERTM practitioner.
Commitment to Objectivity
As a Fee-Only advisory firm our recommendations are untainted by any type of fee received by the vendors of financial products, including investment funds, insurance companies, and estate attorneys. Fee-Only advisors provide consumers and institutions with comprehensive and objective financial advice on a "Fee-Only" basis, keeping only the best interests of the client in mind – with neither the advisor nor any related party receiving compensation contingent on the purchase or sale of a financial product.
 Commitment to Excellence
Helga Cuthbert is a Registered NAPFA Member. The National Association of Personal Financial Advisors is the largest professional association of comprehensive, Fee-Only financial planners in the United States. With 750+ members and affiliates, in 45 states, the members of the National Association of Personal Financial Advisors (NAPFA) subscribe to the following fiduciary oath:
-
The Advisor shall exercise his / her best efforts to act in good faith and in the best interest of the client.
-
The Advisor shall provide written disclosure to the client prior to the engagement of the advisor, and thereafter throughout the term of the engagement, of any conflicts of interest, which will reasonably compromise the impartiality or independence of the advisor.
-
The Advisor, or any part in which the advisor has a financial interest, does not receive any compensation or other remuneration that is contingent on any client's purchase or sale of a financial product.
-
The advisor does not receive a fee or other compensation from another party based on the referral of a client or the client's business.
Commitment to Professionalism
Helga Cuthbert is member of the Financial Planning Association (FPA), a membership organization for the financial planning community. Members include individuals and companies who are committed to championing the financial planning process.
FPA members are dedicated to supporting the financial planning process in order to help people achieve their goals and dreams. The FPA believes that everyone needs objective advice to make smart financial decisions and that when seeking the advice of a financial planner, the planner should be a CFP® certificant.
Commitment to helping people from all walks of life
Helga Cuthbert is a member of the Garrett Planning Network, an international affiliation of Fee-Only financial planners dedicated to serving people from all walks of life. As staunch consumer advocates and Fee-Only client fiduciaries, members of the Garrett Planning Network continue to demonstrate their commitment to serving the public's best interests by making competent, commission-free financial planning and advice accessible to all people. Many financial advisors accept clients only if they meet certain income and net worth requirements. Helga and her fellow Garrett network members believe, however, that professional, objective financial advice is something all Americans need, at least periodically, to build the brightest financial futures. Holding to this philosophy, Helga is proud to offer the same quality, professional advice to all clients, not just the affluent.
Members bring the collective wisdom of the entire network – comprised of over 300 financial planning and allied professionals – to their own individual practices. Advice is provided on an hourly, retainer or per-project basis. Working on an hourly basis means that clients pay only for the time an advisor works with or for them. In addition, some Garrett members offer their services on a retainer basis (either a flat fee or a % of assets under management), which is the case at Cuthbert Financial Guidance. Members do not accept sales commissions or third-party compensation. All compensation comes directly from their clients. Learn more at www.garrettplanningnetwork.com.
Find answers to some Frequently Asked Questions.
|