CFP Board Financial Planning Competency Handbook. Board CFP

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l:href="http://www.wdfi.org/fi/securities/regexemp/history.htm">www.wdfi.org/fi/securities/regexemp/history.htm.

30

A brief review of the Act can be found at: www.banking.senate.gov/public/_files/070110_Dodd_Frank_Wall_Street_Reform_comprehensive_ summary_Final.pdf.

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For more regulatory information about the Bureau, see: www.consumer finance.gov/strategic-plan/.

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Source: www.finra.org.

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Source: www.dol.gov/compliance/laws/comp-erisa.htm.

34

K. C. Garrett and J. E. Grable, “State Investment Adviser Representative Examination and Waiver Requirements,” Journal of Personal Finance 6, no. 1 (2007): 38–43. Available at: www.iarfc.org/documents/issues/Vol.6Issue1.pdf.

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Other certifications can be used to waive licensure requirements for investment advisers, including the ChFC, PFS, CFA, and CIC. See Garrett and Grable (2007) for more information.

36

E. B. Goldsmith, Consumer Economics: Issues and Behaviors (Upper Saddle River, NJ: Prentice Hall, 2009).

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E. T. Garman, Consumer Economic Issues in America, 9th ed. (Mason, OH: Thomson, 2006).

38

www.hhs.gov/ocr/privacy/hipaa/administrative/privacyrule/index.html.

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Source: www.fdic.gov/consumers/privacy/criminalscover.

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R. H. Lytton, J. E. Grable, and D. D. Klock, The Process of Financial Planning: Developing a Financial Plan (Cincinnati, OH: National Underwriter, 2006).

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The financial planning process can be found under the Guide to CFP^® Certification: www.cfp.net/become/experience.asp.

42

www.cfp.net/for-cfp-professionals/professional-standards-enforcement/standards-of-professional-conduct/financial-planning-practice-standards/practice-standards-100.

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See Lytton et al., Process of Financial Planning, 159.

44

www.cfp.net/for-cfp-professionals/professional-standards-enforcement/standards-of-professional-conduct/financial-planning-practice-standards.

45

Ibid.

46

Zvi Bodie, Alex Kane, and Alan J. Marcus, Investments, 9th ed. (New York: McGraw-Hill Irwin, 2011), 635.

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www.rmahq.org.

48

Sue Greniger, Vickie Hampton, Karrol Kitt, and Joseph Achacoso, “Ratios and Benchmarks for Measuring the Financial Well-Being of Families and Individuals,” Financial Services Review 5, no. 1 (1996): 57–70.