Certified Financial PlannerCM

Download Presentation
How to become Crorepati?
Systematic Investment Plan

certification is recognition in more than 23 countries across the world including India.

CERTIFIED FINANCIAL PLANNERCM Certification is a mark of excellence granted to individuals who meet the stringent standards of education, examination, experience and ethics. It is the most prestigious and internationally accepted Financial Planning qualification recognized and respected by the global financial community.

FPSB India is the principal licensing body that awards Certification in India through an agreement with FPSB Limited.Certification is the highest level of Certification worldwide in the field of Financial Planning with over 100,000 CFPCM Certificants and widely respected by consumers, professionals & industry.

It is your future, don’t wait…let’s start the journey.


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.

A planner can play a central role in helping you meet your life goals and achieve financial wellbeing. 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. Your future depends on the choices you make.

In United States of America & Europe, there are less than one million CFPs. These people advise their client as per their needs. CFPs are different from Chartered Accountants (CAs) & Certified Public Accountants (CPAs) in a sense that CFPs are experts in understanding and evaluating various financial products available in the market. CFPs have better understanding of Financial products and they can be very beneficial due to their comprehensive understanding and most importantly their ability to match the right financial products basis the all future financial goals of the client. CFPs understand the client, their goals and setout the right basket needed. Product selection is the last step.

The mantra for success of people in western countries is their vision and start accumulating wealth from early age under expert supervision.

Each one of four components is necessary to have successful financial independence:-

  • Vision for the future goals and realistic estimation
  • Involving CFPs in making financial plan
  • Start as early from first job or business venture
  • Continuous expert supervision and regular review.

CFPs are financial doctors and like medical doctors, they diagnose the problem and provide the prescription as to what need to be done. It is absolutely your will, whether to act, or not to act on their advise. As doctors are not into selling medicines, CFPs are not selling financial products but surely they can suggest the best shop in the market so that you can buy at cheapest cost with excellent services.

A CFP can not compel his clients to buy any financial products.

Marks off QUALITY

& CERTIFIED FINANCIAL PLANNERCM are owned by financial planning standards board Ltd. (FPSB) outside the United States (referred as Board), which can help you identify financial planners who are committed to competent and ethical behavior when providing financial planning.

Individuals certified by Board have taken the extra step to demonstrate their professionalism by voluntarily submitting to the rigorous CFP certification process that includes demanding education, examination, experience and ethical requirements. These standards are called “the four Es,” and they are four important reasons why the financial planning practitioner you select should display the CFP certification marks.

Why are the certification requirements IMPORTANT

Most people think that all financial planners are “certified,” but this isn’t true. Anyone can call himself or herself a “financial planner.” Only those who have fulfilled the certification of FPSB Board can display the CFP certification marks.

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. The CFP certification provides that sense of security by allowing only those who meet the 4 ‘Es’:


How does Code of Ethics BENEFIT YOU?

CFP practitioners agree to abide by a strict code of professional conduct, known as Board’s Code of Ethics and Professional Responsibility that sets forth their ethical responsibilities to the public, clients and employers.

Through the Code of Ethics, CFP practitioners agree to act fairly and diligently when providing you with financial planning advice and services, putting your interests first. The Code of Ethics states that CFP has to act with integrity, offering you professional services that are objective and based on your needs. They are required to provide you with information about their sources of compensation and conflicts of interest in writing.


These standards are based on the six step financial planning process described below. This broad-based approach to financial advice distinguishes financial planning practitioners from other professional advisers who typically focus on only one area of a person’s financial life.

  • Establishing and defining the client-planner relationship
  • Gathering client data including goals
  • Analyzing and evaluating the client’s financial status
  • Developing and resenting financial planning recommendations and/or alternatives
  • Implementing the financial planning recommendations
  • Monitoring the financial planning recommendations

How CFP will work with you

CFP will define the scope of the work, explain and document the services, discuss the method of compensation and relay any other relevant information. CFP practitioners are also required to work with you to determine your personal and financial goals, your tolerance for financial risk, and your time frame for achieving results. Practice Standards also require a CFP practitioner to gather all necessary financial information about you when developing your personal financial plan.

CERTIFIED FINANCIAL PLANNERCM, are owned by financial planning standards board Ltd. (FPSB) outside the United States. FPSB India is the marks licensing authority for the CFP mark in India through agreement with the FPSB.


I have had never invested money in equity. However, I have been advised to start investing money in equities by Mutual Fund SIP. Now I know, how to take advantage from the equity as an asset class. Thanks for the great advice.

Rahul Saxena – MBA Marketing- IIM

“Thanks for the great service. I didn’t know anything about investing until I called Fcafe.You made it seem easy.”

Gaurav Mahtur- Head -IT

“I have been dealing with Financial Cafe for the last 3 years and I can vouch for professionalism and honesty in all their dealings. I have never had the need to look for another establishment for any of my financial requirements”

Dr. Rajeev Garg

“I used to lie awake nights worrying about how I was going to put two kids through MBA. Now I sleep like a baby. Thank you Financial Cafe”

Renu – Homemaker

I congratulate for good work and wish them best of luck for future.

Jasvinder Singh- Head- India & South-east Asia

Though my comfort in handling technicalities involved in financial domain has always been my forte in the past, Financial Café has helped me develop new insight about the financial planning. Indeed, Financial Café is perfectly suited for all individuals, who seriously believe in shaping the future.

Manoj Verma- Vice president- Sales

The simplicity & clarity in the approach adopted by financial café is remarkable. Their step-up approach is very pragmatic and easy to implement. I found portfolio rebalancing generating better returns as you put more money in equity when share market are lower level and withdraw money when markets are at their peak.

CA. Sachin Gupta

Refer your friends