It’s back to school time for many, and here at EFS we understand the importance of education. This month we like to take the time to highlight the designations that Carolyn and Joanna have earned through hard work and an unwavering commitment to continued education. They both received their education from The American College of Financial Services, an accredited institution with nearly 100 years of academic excellence committed to meeting the financial needs of all Americans. The College’s vision is threefold: to elevate the financial services profession through specialized knowledge and education; to champion professional diversity and transform avenues of access to and understanding of financial wellbeing for all Americans; and to benefit society as a whole. The College’s mission is to deliver applied financial knowledge and education, promote life-long learning, and advocate for ethical standards for the benefit of society. The College is the nation’s largest nonprofit educational institution devoted to financial services professionals and has educated over 200,000 professionals across the United States through certificate, designation, and graduate degree programs.
Carolyn has earned the following designations: TPCP™(Tax Planning Certified Professional™), RICP® (Retirement Income Certified Professional®), WMCP® (Wealth Management Certified Professional®), CLF® (Chartered Leadership Fellow®).
Joanna has earned the following designations: ChFC® (Charted Financial Consultant®), ChSNC® (Chartered Special Needs Consultant®), WMCP® (Wealth Management Certified Professional®).
Here follows an explanation of each designation and the impact it has on the clients served:
RICP® (Retirement Income Certified Professional®)
The RICP® designation, conferred by The American College of Financial Services, is an industry-recognized mark of excellence that demonstrates a financial advisor’s breadth and depth of knowledge in the area of retirement planning. This includes a mastery of subjects of growing concern to many Americans, including incoming planning, life insurance, wealth transfer and distribution planning, Social Security management, business succession, and long-term care planning.
As the population ages and retirement planning becomes more complex, Americans need specialized financial advice applicable to their individual circumstances. With the RICP®, Carolyn is well-positioned to meet clients where they are for some of the most important conversations of their lives and expands Empowered Financial Strategies’ opportunities to serve its community, and society, better.
ChFC® (Charted Financial Consultant®)
The ChFC® designation, conferred by The American College of Financial Services, is an industry-recognized mark of excellence that demonstrates a financial advisor’s breadth and depth of knowledge in the most important areas of financial planning. This includes an education in a number of areas such as insurance, taxation, retirement, estate planning, behavioral finance, non-traditional family structures, small business planning, and more.
Within today’s complex financial markets and even more complex familial and individual situations, Americans need comprehensive financial advice applicable to their needs. With the ChFC®, Joanna has proven a commitment to meeting the needs of all Americans. With extensive education using case studies and real-life scenarios to prepare advisors for the needs of modern clients, Joanna is well-positioned to expand Empowered Financial Strategies’ opportunities and serve clients from all walks of life.
TPCP™(Tax Planning Certified Professional™)
The TPCP™ designation, conferred by The American College of Financial Services, is an industry-recognized mark of excellence that demonstrates a financial advisor’s breadth and depth of knowledge in the area of tax planning. This includes a mastery of subjects such as complex tax situations, goal-oriented tax planning solutions, foundational knowledge on key tax implications of various investment vehicles, retirement and investment strategies, and how to optimize tax advantages in a variety of financial situations, including estate planning, planning for individuals with special needs, investment planning, and more.
Tax planning is a complicated field with ever-changing laws and regulations, but all clients would benefit from tax optimizing their long-term financial plan. With the TPCP™, Carolyn is well-positioned to meet clients where they are for important financial conversations and expands Empowered Financial Strategies’ opportunities to serve its community, and society, better. Through the TPCP™, Carolyn joins an elite group of financial advisors with extensive, intensive experience in tax planning.
ChSNC® (Chartered Special Needs Consultant®)
The ChSNC® designation, conferred by The American College of Financial Services, is a respected mark of excellence recognizing Joanna's understanding of the unique challenges facing individuals with special needs, their families, and their caregivers, and how to address them. This designation reflects Joanna's commitment to helping clients build bright futures for themselves and those they care for.
Individuals with special needs, their families, and caregivers have pressing questions about the options afforded to them in the financial planning process. With the ChSNC®, Joanna is ready to assist family members and caregivers in navigating federal benefits and managing financial needs from themselves and for those under their care with disabilities or special needs.
WMCP® (Wealth Management Certified Professional®)
The WMCP® designation, conferred by The American College of Financial Services, is an industry-recognized mark of excellence that demonstrates a financial advisor’s breadth and depth of knowledge in the area of goal-based wealth management. This includes a mastery of subjects of growing importance to many Americans, including investment and risk management, portfolio construction, efficient tax strategies for strategic investing, and most importantly, how to utilize all these elements in creating a personalized financial plan based on meeting each individual client’s goals.
As financial planning, asset types, and investment vehicles become more complex and traditional investment management navigates unique market dynamics, more Americans will require specialized financial advice to help match their strategies to their individual circumstances. With the WMCP®, Carolyn and Joanna are well-positioned to both understand and help clients articulate their financial goals, as well as assist them in constructing a holistic plan tailored to their dreams, aspirations, and unique wealth story.
Chartered Leadership Fellow® (CLF®)
The CLF® designation, conferred by The American College of Financial Services, is an industry-recognized mark of excellence that demonstrates a financial advisor’s leadership role and develops the skills needed to become a more effective leader within their organization. With the CLF®, Carolyn is well equipped to continue to lead, develop and build Empowered Financial Strategies into the successful financial business that it is today.
With these designations, Empowered Financial Strategies expands its opportunities to serve its community and society as a whole. Carolyn and Joanna are a part of an elite group of financial advisors with expertise qualified to assist clients in developing comprehensive financial plans, with intensive experience in contemporary retirement planning, special needs planning and goal-based wealth management strategies that goes beyond stocks and markets. Explore how partnering with Carolyn & Joanna can set you on the path for a satisfying, secure, and successful future at Empowered Financial Strategies.
The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security or insurance product.
For Educational Purposes Only – Not to be relied upon as financial, tax, or legal advice.
Registered Representative of, and Securities and Investment Advisory services offered through Hornor, Townsend & Kent, LLC (HTK). Registered Investment Advisor, Member FINRA/SIPC.800-873-7637, www.htk.com.. Empowered Financial Strategies is unaffiliated with Hornor, Townsend & Kent, LLC. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation. 8356763RG_Sep27