We are proud members of the following societies, and adhere 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.  Teri is a candidate for CFP® certification.

                           Commitment to Objectivity

As Fee-Only advisory firms 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

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:

1. • The Advisor shall exercise his / her best efforts to act in good faith and in the best interest of the client.
   

2. • 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.
   

3. • 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.
   

4. • 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 Our Fiduciary Oath

1. •The advisor shall exercise his/her best efforts to act in good faith and in the best interests of the client.
   

2. •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 or reasonably may compromise the impartiality or independence of the advisor.
   

3. •The advisor, or any party 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.
   

4. •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

The Financial Planning Association (FPA) is 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

The Garrett Planning Network, Inc. (GPN) is a international network of professional, Fee-Only financial advisors. GPN members are dedicated to providing competent, unbiased financial advice to people from all walks of life, on an hourly as-needed basis. Only 1% of the nation's financial planning firms are structured this way. As staunch consumer advocates and Fee-Only client fiduciaries, GPN Members continue to demonstrate their commitment to serving the public's best interests by making competent, Fee-Only financial advice accessible to all people. Many financial advisors accept clients only if they meet certain income and net worth requirements. GPN members believe, however, that professional, unbiased financial advice is something all Americans need, at least periodically, to build the brightest financial futures. Holding to this philosophy, GPN members offer the same quality, professional advice to all clients, not just the affluent.