- CFP and CRPC disclosure
Certified Financial Planner (CFP®)
Some of our professionals are certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics.
To become a CFP® professional, an individual must fulfill the following requirements:
- Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials.
- Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations.
- Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.
- Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals.
Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks:
- Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional’s services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client.
- Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards.
Chartered Retirement Planning Counselor® (CRPC®)
Minimum Qualifications for The Chartered Retirement Planning Counselor® (CRPC®) Designation. The Chartered Retirement Planning Counselor® (CRPC®) is granted by the College for Financial Planning. The CRPC® is available to financial professionals that demonstrate a specialized understanding of the principles of the retirement planning field of the pre‐ and post‐retirement needs of individuals, including issues such as estate planning and asset management Candidates must complete 11 modules followed by a final, proctored exam. After obtaining the designation, designees must complete 16 hours of continuing education every two years as well as comply with a Code of Ethics, which includes agreeing to abide by the Standards of Professional Conduct and Terms and Conditions.
- Email disclosure
- This email is confidential, does not constitute investment, tax, or legal advice, is only for the use of the intended recipient, and should not be redistributed, except with the sender’s consent. All money movement and trade requests will be verbally verified before executed. This message contains information from Destiny Capital Corporation that may be privileged, confidential, or exempt from disclosure under applicable law. If you are not the intended recipient, you are notified that disclosing, copying, distributing, or taking any action in reliance on the contents of this information is strictly prohibited. If you have received this e-mail in error, please notify the sender immediately by reply e-mail, delete this message, and delete the material from all computers; receipt by anyone other than the intended recipient is not a waiver of any work-product or attorney-client privilege. Email transmission cannot be certified to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses. The sender, therefore, does not accept liability for any errors or omissions in the contents of this message, which arise as a result of any email transmission sent or received. All email to and from Destiny Capital Corporation is monitored, stored, and made available to regulators if requested.
- This email is confidential, does not constitute investment, tax, or legal advice, is only for the use of the intended recipient, and should not be redistributed, except with the sender’s consent. All money movement and trade requests will be verbally verified before executed. This message contains information from Destiny Capital Corporation that may be privileged, confidential, or exempt from disclosure under applicable law. If you are not the intended recipient, you are notified that disclosing, copying, distributing, or taking any action in reliance on the contents of this information is strictly prohibited. If you have received this e-mail in error, please notify the sender immediately by reply e-mail, delete this message, and delete the material from all computers; receipt by anyone other than the intended recipient is not a waiver of any work-product or attorney-client privilege. Email transmission cannot be certified to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses. The sender, therefore, does not accept liability for any errors or omissions in the contents of this message, which arise as a result of any email transmission sent or received. All email to and from Destiny Capital Corporation is monitored, stored, and made available to regulators if requested.
- EMoney disclosure
By accessing and using this website, you agree to the following terms and conditions:
- We cannot guarantee that the website, or any content on it, will always be available or uninterrupted.
- You agree to defend, indemnify, and hold harmless us, our employees, information providers, and content providers from and against any claims, liabilities, damages, losses, and expenses arising from your use of the website.
- You are subject to our privacy policies when you use the website.
- We are not liable for any damages or losses arising from your use of the website.
- We do not guarantee the accuracy, completeness, or timeliness of the information on the website.
- We are not responsible for the content of any external links on the website.
- The information provided on this website is for general informational purposes only and does not create a professional relationship between you and us.
- The information provided on this website is not legal advice and should not be relied upon as such.
- We reserve the right to change these terms and conditions at any time without notice.
Thank you for using our website portal. If you have any questions or concerns about our website portal disclosure, please contact us.
- Website disclosure
Destiny Capital Corporation (“Destiny Capital”) and its representatives are in compliance with the current filing requirements imposed upon registered investment advisors by those jurisdictions in which it maintains clients. Destiny Capital may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. Destiny Capital’s website is limited to disseminating general information about its advisory services and access to additional investment-related information, publications, and links. Accordingly, the publication of Destiny Capital’s website on the Internet should not be construed by any consumer and/or prospective client as Destiny Capital’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Destiny Capital with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information about the registration status of Destiny Capital, please contact the SEC, FINRA, or the state securities regulators for those states in which Destiny Capital maintains a filing. A copy of Destiny Capital’s current written ADV Part 2A disclosure statement discussing Destiny Capital’s business operations, services, and fees is available from Destiny Capital upon written request.
Certain portions of Destiny Capital’s website (i.e., newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Destiny Capital’s (and those of other investment and non-investment professionals) positions and/or recommendations of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer reflect current position(s) and/or recommendations(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Destiny Capital, or from any other investment professional. Destiny Capital is neither an attorney nor an accountant and no portion of the website content should be interpreted as legal, accounting or tax advice.
Destiny Capital may provide links from this website to a third-party website or permit a link from a third-party website to this site. Such links are for your convenience only and do not imply any affiliation with or an endorsement, authorization, sponsorship or promotion of the third-party website or its owner. Destiny Capital does not control or review any link and accepts no responsibility for the content, products or services provided at these linked websites. If you decide to access such third-party websites, you do so solely at your own risk and should be aware that third-party websites are governed by their terms and conditions and privacy policies.
