FINANCIAL ASSOCIATIONS AND DESIGNATIONS
By: Edwin P. Morrow, ChFC, CFP, RFC Many professional designations, degrees or memberships indicate that the financial advisor has met educational, experience and ethical qualifications. Many organizations are continuing to expand and enhance their qualification standards for the two-fold purpose of elevating their profession and assuring the public of more qualified professional advisors. Possession of a financial designation is not an assurance that the client will receive excellent service, but the leaders of the financial services industry all possess one or more designations. Membership in a professional association likewise does not guarantee performance, but the most highly respected practitioners tend to be members of professional associations, and are frequently local or national officers. The following information is presented in several categories and is provided by Financial Planning Consultants, Inc. home of Text Library System, 800 666 1656. 1. 2. 3. 4. Professional Designations, Certifications, Degrees Financial Professional Organizations Contact, Address and Website Information Financial Publishers List FINANCIAL DESIGNATIONS AAMS Accredited Asset Management Specialist. A designation awarded by the College for Financial Planning upon completion of a 12-module self-study program and a comprehensive final exam. Approximately 1,380 now hold this designation. This program qualifies for CE credits. AEP Accredited Estate Planner. A credential awarded by the National Association of Estate Planners and Councils to estate planning practitioners who complete a comprehensive exam grounded and trust, insurance, accounting, and law, and need annual education requirements. About 1,200 members are holding licenses. ABA Accredited Business Accountant. A credential by the Accreditation Council for Accountancy & Taxation to individuals who have demonstrated technical proficiency in financial accounting, compilation services, managerial accounting, taxation, business law and ethics. AFC Accredited Financial Counselor. A designation awarded by the Association of Financial Counseling and Planning Educators, primarily to academic military or extension persons who pass an exam and experience requirements. 250 AFC designations have been awarded, while 1000 students are now enrolled.
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ATA Accredited Tax Advisor. A designee who had completed six courses through the College for Financial Planning. However, the College for Financial planning has discontinued enrolling new students into this program. The ATA designation was granted by the Accreditation Council for Accountancy and Taxation (ACAT). The designation is now held by 3,500 persons. ATP Accredited Tax Preparer. A designee who has completed a one module program through the College for Financial Planning. The ATP designation is granted by the ACAT also, and about 1,300 have been awarded. The ACAT is no longer accepting new enrollees for this program. Students must complete education programs along with case studies relating to these programs. Board Certified Programs. Most of those individuals who earn the following designations have a CFP or insurance license already. Now these programs are finally available to those who want to have a specialty in a certain financial discipline. The CE units individuals earn from Board Certified programs can also go towards other designations. BCE Board Certified in Estate Planning. Students learn about liquidity, business and postmortem planning, along with property and lifetime transfers, federal taxation and constraints and techniques of planning. BCF Board Certified in Financial Planning. Students must have meet certification requirements, had five years in the financial services industry, and have completed four education programs along with case studies relating to these programs. BCI Board Certified in Insurance. Students become fluent in the health and life insurance arenas, while learning about financial planning, employee benefits, insurance taxation and annuities. BCM Board Certified In Mutual Funds. This seven-module course deals with issues like annuities, wealth management, planning cycles, strategies, asset allocation and investor relations. After successfully completing the CFS program, students may apply for the BCM designation. BCS Board Certified in Securities. Students learn to do Financial and Risk Factor Analyses, while learning about different investment opportunities, the quirks of the marketplace and diversification. BCT Board Certified in Income Taxes. Students will gain knowledge in order to help clients file their individual tax forms, get deductions or credits, and file corporate or partnership taxes. CDP Certified Divorce Planner. Participants must be financial planners, CPAs, or have a strong financial background. The Institute of Certified Divorce Planners offers with audio tapes, books, software, handouts and other materials, a 20-hour seminar that qualifies attendees to earn this designation. After passing an exam, graduates
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have other benefits such as: a free consultation on first case, membership to ICDP and participation in referral system. The ICDP has awarded 350 CDP designations and has plans to train 200 more participants yearly. CEA Certified Estate Advisor. Currently 80 people have earned his designation. A designation awarded by the National Association of Financial and Estate Planning. Students must complete a home study course and pass an exam. CEBS Certified Employee Benefit Specialist. This credential is gained by completing a 10-course program. The courses cover every aspect of employee benefit package development. Organizational and financial areas are discussed. No license is required unless a participant gives advice on policies. Enrollees include: may be: bankers, attorneys, government employees, accountants, insurance company representatives, agents, actuaries, trust fund managers, benefit personnel and anyone interested. In Canada and the U.S., there are over 8,000 graduates of the program. CFM Certified in Financial Management. A designation offered by the Institute of Management Accounts to measure skills, experience and knowledge of a financial manger. Currently 1,400 hold this certificate. CFSSP Certified Financial Services Security Professional. CFP Certified Financial Planner. A Certified Financial Planner licensee has completed the CFP Board's curriculum requirements, has three or more years of experience in the person financial planning process, passed a rigorous 10-hour two-day exam and has abided by the CFP Board's Code of Ethics and Professional Responsibility. All CFP licensees must complete 30 continuing education hours every two years. About 33,000 people have this license. CFS Certified Fund Specialist. This credential is given and sponsored by a private company, but is regulated. After enrolling in the program, participants complete a 60hour self-study course and take a two-hour final exam. All materials and testing supplies cost $725. There are currently 10,000 people with this designation. The Institute of Business and Finance offers this designation. CIMC Certified Investment Management Consultant. The Institute for Investment Management Consultants awards this credential to financial advisors who pass two levels of NASD-administered exams. The IIMC's self-study course is what the exam is based on, and it covers Investment Theory and the Management/Elements of Investment Consulting. 250 have received the CIMC designation while 250 are in the process of obtaining it. Moreover two-thirds of the IIMC consultants have or are getting this credential. CISP Certified IRA Services Professional. CLTC Certified in Long-Term Care. A multidisciplinary curriculum covering topics in housing, tax-law, home care, government programs, financial planning and elder law.
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The CLTC is the first professional program focused solely on the sale of long-term care insurance. The designation is sponsored by the Corporation for Long-Term Care Certification and the National Academy of Elder Law Attorneys, Inc. It is awarded to those who complete an eight-part course, pass a test from the NAELA, and who submit letters of recommendation, an affidavit, and a certificate of good standing. This CE approved program receive 15-30 credits, with a requirement of renewal every two years. CMA Certified Management Accountant. A designation offered by the Institute of Management Accounts to measure competency of those individuals in management accounting. There are 22,500 professionals currently holding this designation. CPhD Certified Philanthropic Development. A professional designation awarded by the National Association of Charitable Estate Counselors. Participants must complete a course of study, examination, present a record of successful philanthropic activity and have a commitment to pursue philanthropic counseling. Several hundred CPhDs have been awarded this designation. CPA Certified Public Accountant. Has met educational qualifications, such as a bachelors or masters degree in accounting, passed four state-certifying examinations and met experience qualifications in the area of public accounting. CPAs are licensed individually by state and can hold licenses for more than one state at a time. An approximate number of CPAs is 471,000 with 70% of them being AICPA members. CPA/PFS Certified Public Accountant – Personal Financial Specialist. A designation awarded by the AICPA to accountants who have completed additional study and examination requirements in personal financial planning. CPC Certified Pension Consultant. A designation granted by the American Society of Pension Actuaries. CRCM Certified Regulatory Compliance Manager. CRA Certified Retirement Administrator. A designation given by the International Foundation for Retirement Education to plan sponsors. Requirements are two letters of recommendation, a higher application fee, exam fee, and eight completed courses taking two years. Certificates can also be granted to those with 10 years experience, a letter of recommendation and a $150 exam fee. CRSP Certified Retirement Services Professional. CRC Certified Retirement Counselor.TM A designation given by the International Foundation for Retirement Education to human resources and benefits personnel. Participants can earn certificate if they have ten years of professional experience, complete an application, and submit letter of recommendation. Otherwise, they must complete four courses and pay an application fee. Also required is holding to a code of ethics and maintaining this certificate with continuing education.
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CCRA Certified Review Appraiser. Applicant must be currently active in the Review of Real Estate. Applicants submit a resume to join membership, and it is accepted or rejected according to the experience level of that person. There are currently 800-900 professional with this designation. CSOP Certified Securities Operation Professional. CSA Certified Senior Advisor. Participants can become certified in two ways: through a correspondence course or through an intensive 3-day educational program plus testing. This designation is offered through the Society of Certified Senior Advisors. All current 1500 members of the SCSA hold the CSA designation. (Membership requires this certification.) Advisors are trained to establish a relationship with their clients, not just advise them on their medical or financial issues. There are annual continuing education requirements CTFA Certified Trust and Financial Adviser. The American Institute of Banking awards this designation. Recipients must meet educational requirements, pass exam, and pledge to meet continuing education requirements in the future. The designees have studied tax law, investments, personal finance and fiduciary responsibilities. CSTSA Certified Specialist in Tax Sheltered Accounts. A professional designation awarded by the National Tax Sheltered Annuity Association. Granted to persons completing six examinations, meeting experience requirements and agreeing to a Code of Ethics. ChFC Chartered Financial Consultant. Has completed an educational program offered by The American College, passed 10 exams covering financial planning, investments and insurance. Has also met experience and ethical standards and unless exempted, completes 30 hours of continuing education every two years. More than 32,000 have received the ChFC designation. CLU Chartered Life Underwriter. Has completed an educational program offered by The American College comprising of 10 courses covering the application of life and health insurance in filling needs for survivor income, estate planning, business continuation and employee benefits. Also has also met experience and ethical standards and unless exempted, completes 30 hours of continuing education every two years. Approximately 85,000 have received the CLU designation. CLF Chartered Leadership Fellow. Has completed an educational program offered jointly by The American College, LIMRA International, and GAMA International comprising of seven courses in management, leadership, creative problem solving, strategic planning and other areas. Also has met experience and ethics standards and, unless exempted, completes 30 hours of continuing education every two years. This is the first managerial leadership designation specially created for financial services professionals.
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CFA Chartered Financial Analyst. Has completed three comprehensive exams on ethics and professional conduct, securities and portfolio management and investment valuation offered by the Association for Investment Management and Research (AIMR). Candidates must also meet reference, ethics and work experience requirements. There are over 26,000 CFA charterholders worldwide. CMFC Chartered Mutual Fund Counselor. A nine-module program must be completed by graduates, with an examination given by the College for Financial Planning. A code of ethics must be followed. Taking this course qualifies for CE requirements as well. There are 2,130 graduates. CPCU Chartered Property Casualty Underwriter. The AICPCU awards this property and liability insurance designation to those who passed a series of 10 national exams, met experience requirements and pledge to keep a code of professional ethics. There are more than 49,000 individuals with the CPCU designation. CRPC Chartered Retirement Planning Counselor. A person who has completed an 11-module course from the College for Financial Planning, which culminates in a comprehensive final exam. The course focuses on assisting individuals with selecting and using retirement plans effectively. 363 persons hold the CRPC designation. CRPS Chartered Retirement Plans Specialist. A person who has completed a 10module course from the College for Financial Planning culminating with a final exam. The course focuses on plan design and features, and there are 28 graduates. EA Enrolled Agent. A designation is awarded by the Internal Revenue Service (202 662 5000) to individuals who wish to represent persons before the IRS. Persons must pass a comprehensive, IRS two-day exam on all aspects of tax law, including tax filing procedures. EA Enrolled Actuary. A designation granted by the Joint Board for the Enrollment of Actuaries (part of the U.S. Department of Treasury) EA Evaluation Actuary. Granted by the International Conference of Financial Actuaries. ELS Estate Law Specialist. This specialization program for attorneys has been approved by the American Bar Association and is only two years old. Participants must pass an exam, present CLE credits, have documentation of education, have work experience and must have references from other attorneys in the financial planning field. Currently only eight participants have completed the ABA Estate Law Specialist program, but many are enrolled. FIC Fraternal Insurance Counselor. FLMI Fellow Life Management Institute designation. This designation is LOMA's (Life Office Management Association) flagship education program. Participants must
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agree to a code of ethics, and complete ten university-level courses covering topics in administration, law, marketing, management, technology, economics, accounting, operations, insurance, solvency and profitability. Currently, there are 40 FLMI active societies and interest groups chartered by LOMA around the world. JD Juris Doctor. An attorney licensed to practice law. Some state Bar Associations have authorized legal specialties, but none of them have unique designations. LLM Masters in Law. Normally in taxation or estate planning. This is awarded to attorneys that have completed additional schooling at an accredited graduate school. LUTCF Life Underwriter Training Council Fellow. Awarded to persons in the life insurance industry who have completed a series of study/work courses in the application and service of life and health insurance. About 60,000 have completed these requirements. MS Master of Science Degree. The College of Financial Planning offers an MS degree with an academic emphasis in financial planning. The curriculum focuses on Financial Planning, Wealth Management, Tax, Retirement and Estate Planing. The financial planning concentration fulfills the educational requirement for the CFP designation. MSFS Master of Science in Financial Services. Offered by the American College, this is an educational degree, similar to an MBA, with concentration on personal financial planning, investments and taxation. The MSFS program requires completion of 36 course credits to graduate. The sequence of courses is designed to provide maximum flexibility for the student through self-study and two, one-week residency sessions on the College's campus. Twelve of the 36 credits are earned by attending the two residencies. The remaining 24 credits are earned through distance courses. More than 1,700 students have received the MSFS degree. PFS Personal Financial Specialists. A number of CPAs have also taken additional financial planning study and are accredited as Personal Financial Specialists. About 2,500 CPAs have acquired the PFS designation. Participants must pass an exam and already be a CPA. Also, they must have experience in financial planning before being allowed to take the examination. QPA Qualified Pension Administrator. A designation awarded by the American Society of Pension Actuaries after the completion of a six-part exam process. There are about 1,500 QPAs. REBC Registered Employee Benefits Consultant. Persons have completed five courses on the employee benefits and retirement plans. Also has met experience and ethics standards, and unless exempted, completes 30 hours of continuing education every two years. This designation, instituted by National Association of Health Underwriters, has been owned and administered by the American College since 1995. More than 700 hold this designation.
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RFA Registered Financial Associate. Has completed an undergraduate curriculum in financial planning and counseling from an accredited institution. The RFA must meet requirements of ethics and a significant annual continuing education of 40 hours yearly. After four years, an RFA may apply for conversion to RFC. A new designation with about 100 designees. RFC Registered Financial Consultant. Has a professional financial planning designation or has passed a comprehensive RFC examination. Meets requirements of experience, education, examination, ethics, licenses, business conduct and maintain significant annual continuing education of 40 hours yearly. About 1,500 have received this designation from the International Association of Registered Financial Consultants. RHU Registered Health Underwriter. Applicants have completed three courses on the use and application of disability, health, medical and long-term-care insurance. Also the person has met experience and ethics standards and, unless exempted, completes 30 hours of continuing education every two years. This designation, instituted by National Association of Health Underwriters, has been owned and administered by the American College since 1995. More than 6,000 hold the RHU designation. RIA Not a professional designation. A Registered Investment Adviser (sic) is a person or firm that has filed with the Securities and Exchange Commission and adheres to certain disclosure requirements. This qualification is necessary for the rendering of investment advice. Investment Advisers who manage less than $25 million are generally state registered. RMU Registered Mortgage Underwriter. An applicant must be active in the field of Mortgage Underwriting. Applicants submit a resume to join membership, and it is accepted or rejected according to the experience level of that person. There are currently 300-400 professionals with this designation.
FINANCIAL PROFESSIONAL ORGANIZATIONS These professional organizations may be of value to you, even if you are not a member. For example, the Million Dollar Round Table offers a wide variety of educational and motivational materials, which might be useful even to a fee-only financial planner or a bank trust officer. AFS Academy of Financial Services. An international academic organization, the AFS holds annual meetings where CE can be earned. Financial planners are invited to speak and faculty members present papers. The organization is made up of faculty from different colleges who teach individual personal finance and financial planning. Other members include financial planners, financial consultants and other professionals. Currently there are 450 members of the AFS.
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ACAT Accreditation Council for Accountancy & Taxation. The Council was founded in 1973 and is affiliated with the College for Financial Planning and National Society of Accountants. It is an independent monitoring, testing, and accrediting organization. Professionals earn accreditation in the accounting or tax field through coursework and examination, and keep credentials through continuing education and adhering to rules, and a code of ethics. The Board of Directors is made up of educators, practitioners, and representatives of the business, tax and government fields. ABA American Bankers Association. The ABA is the uniquely the solitary national trade and professional association assisting the entire banking community. Some of its well-known products are the National FBI Fingerprint Service, Internet Sources for Bankers: A Selective Guide to Websites and many of ABA's training programs. Products and services cover topics in Business Banking, Community Banking, Compliance, Staff Training and Human Resources, Marketing, Operations, Consumer Banking, Trusts and Investments and Consumer Education. The ABA has its own school called ABA Stonier Graduate School of Banking for bank officers and executives. ABA American Bar Association. Established in 1878, this organization is for attorneys and others in law-related fields. About 33,000 attorneys are a part of the ABA's Real Property Probate and Trust Section. Financial planners often need attorneys for advice in estate, business, trust and tax areas. American College. The American College is an independent, nonprofit, accredited institution located in Bryn Mawr, PA that offers professional certification and graduatedegree distance education to men and women seeking career growth in financial services. The College offers educational programs leading to the CLU, ChFC, RHU, and REBC, and in conjunction with LIMR International and GAMA International, the CLF designation. The College also offers a Certified Financial Planner® (CFP®) Educational Curriculum, whereby students may qualify to sit for the CFP Certification Examination. (CFP® and Certified Financial Planner® are federally registered marks of the Certified Financial Planner Board of Standards, Inc.) AIB American Institute of Banking. A service of the American Bankers Association, it provides training and education for bankers. Masters and undergraduate degrees are both offered. Professional seminars, an Internet Masters Program and courses and a "College on a Computer" program are also offered. An International Training Center is also available. AICPA - PFP American Institute of Certified Public Accountants, Personal Financial Planning division. A section within the AICPA that is devoted to personal financial planning services. About 30,000 CPAs are members. Awards the PFS Personal Financial Specialist designation to 2,500 persons who have completed the PFS seven hours exam and other requirements. There are currently 330,000 members of the AICPA.
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AICPCU American Institute for Chartered Property Casualty Underwriters. An independent, nonprofit organization offering 26 educational programs and professional certification to those in the business of property and liability insurance. The Institute offers programs also for those wishing to receive certificates and associate designations. Classes are also offered through the Institute's website called Institutes Online Learning. There are 30,000 PFP section members. ARIA American Risk and Insurance Association. Dedicated to research and education, this organization has members employed by colleges and universities, reinsurance companies, consulting firms, bureaus and associations, investment organizations, and insurance departments. Members may do the following through ARIA's website: learn guidelines to submitting articles to the association's two journals, join on the Web, access teaching tools, read papers that were presented in conferences, view job openings and/or candidates and listen to presidential addresses. ASPA American Society of Pension Actuaries. A group devoted to the design and administration of qualified retirement plans. Has about 3,000 member. The ASPA awards the CPC - Certified Pension Consultant and QPA - Qualified Pension Administrator designations. AALU Association for Advanced Life Underwriting. A conference of the National Association of Insurance and Financial Advisors (Formerly NALU) for agents and advisors who specialize in estate planning and employee benefits. Holds an annual meeting in Washington and is involved in meeting with congressional committees on relevant topics. There are about 3,000 members. AFCPE Association for Financial Counseling and Planning Education. This international organization was founded by a group of students and academicians in 1979. Members include financial counselors, planners, educators in private practice, academic, state cooperative extension specialists and educators, military and government personnel. This association, with about 600 members, offers the designation AFC (Accredited Financial Counselor) by way of an examination, experience and recommendation. AHIA Association of Health Insurance Agents. Founded in 1990, it seeks to enhance the professional skill of those providing health products and foster greater financial independence for the public. The AHIA is operated as a conference of NALU, with about 200 members. AIMR Association for Investment Management and Research. Provides a variety of services to its members, who are financial analysts and portfolio managers. AIMR also administers the Chartered Financial Analyst (CFA) Program. It has over 80 societies and chapters and 36,000 members worldwide. AIMR offers conferences, seminars, and publications and sets the AIMR Performance Presentation Standards (AIMR-PPS).
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BMA Bank Marketing Association. Founded over 75 years ago, BMA presents the most immense financial marketing package. As an affiliate of the American Bankers Association, it currently has 2,500 members in the U.S. and in 40 countries abroad. The Center for Banking Information, a very comprehensive library of financial information, can be accessed through the BMA/ABA websites. Members can compete at the Best of Advertising Competition and for the Golden Coin Award. Many schools and programs are available to members. CAFP Canadian Association of Financial Planners. Awards Registered Financial Planners the RFP designation to Canadian planners who may have another educational qualification, such as CFP. An RFP must submit to an additional comprehensive examination and review of a financial plan. About 2,400 RFP members CAIFA Canadian Association of Insurance and Financial Advisors. This association is composed of insurance and investment representatives. Holds an annual conference, ten schools and over 180 CE qualifying seminars each year. The CAIFA has about 18,000 members and 59 chapters in Canada. It offers Canadian courses leading to the following designations: CFP, CLU, ChFC, REBC and RHU. CAPP Canadian Association of Pre-Retirement Planners. This national, non-profit organization is governed by a Board of Directors and consists of chapters and persons all dedicated to the improvement and provision of retirement planning programs. Member benefits include networking, international affiliations, national magazine subscription, membership directory, annual conferences and annual meetings. Its objective is to endorse and develop public awareness, professional development, quality, networking and encouragement. CIFP Canadian Institute of Financial Planning. Administers the CFP educational program in Canada, under license from the FPSC Financial Planners Standard Council. It is the longest operating correspondence course of its kind in Canada. Courses are also offered through 60 colleges and universities across Canada. Six courses, each with their own exam, are required. CFP licensees must complete a comprehensive proficiency exam and have two years work experience in financial planning. Continuing education is then required on an annual basis. CIFP also offers continuing education as well. Certified Financial Planner Board of Standards. The Certified Financial Planner Board of Standards (CFP Board) was founded to benefit the public by fostering professional standards in personal financial planning. The marks CFP® and Certified Financial Planner® identify an individual who has met the CFP Board's education, examination and experience requirements to provide comprehensive financial planning advice, and has agreed to adhere to the CFP Board's Code of Ethics and Professional Responsibility. Approximately 40,000 individuals licensed to use the mark worldwide. College for Financial Planning. An academic institution located in Denver that offers a variety of professional financial education programs, including a course that qualifies the students to sit for the CFP Board's licensing exam. Now a for-profit institution, the
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College is part of the Apollo Group Inc. The five CFP preparation courses include subjects such as insurance, tax, assets, mutual funds, and retirement planning. The College offers a Masters of Science degree in Financial Planning and offers the ATP, ATA, AAMS, CMFC, CRPC and CRPS designations. CPCU Society. Founded in 1944, the Society consists of 28,000 CPCUs who have passed ten national examinations by the American Institute for CPCU. Currently, there are 154 chapters nationally representing all sectors of business and levels of management. CFTC Commodity Futures Trading Commission. Created by Congress in 1974, the CFTC regulates commodity future and option Markets in the U.S. and protects market participants against manipulations, abusive trade practices and fraud. CLTCC The Corporation for Long-Term Care Certification. This independent forprofit organization has a governing board that includes members from the law, senior housing, home care, government financing and senior advocacy fields. Although endorsed by major insurance companies, the CLTCC is not associated or funded by and insurance vendor or company. CLTCC offers the CLTC designation in conjunction with NAELA. FPA Financial Planning Association. New entity created by the merger of the IAFP and ICFP, in operation as of January 2000. This 30,000 member association provides these benefits: access to industry education, complimentary individual memberships, discounts on exhibit space, free FPA mailing lists, free FPA website hyperlinks, and first right of refusal for all FPA event sponsorships. GAMA International General Agents and Managers Association. For persons who recruit, select, train, supervise and motivate career life and financial services associates. The 8,000 members must also have membership in NALU/NAIFA. GAMA presents awards to outstanding agencies and agency leaders. Members privileges are a showcase audio tape series, preferred tuition rates, recognition leaders' Teleconferences, GAMA International Journal, periodic e-mails called Learner's Link, volunteer opportunities and advocacy of other professionals. IIAA Independent Insurance Agents of America. As the biggest and oldest independent agent association nationally, the IIAA is now a dominant force in the insurance business field. A small handful of local fire agent founded it in 1896, but it now represents 300,000 agents and their assistants. With its federation of 51 state associations, it offers "advocacy, business tools and media visibility to it members." Of all the independent insurance agencies nationally, over half are members of IIAA. IBF Institute of Business and Finance. The IBF's objectives are to enhance the professionalism of the financial service industry, to serve persons who deal with this industry and to offer quality education. To enroll persons must have a high school diploma or GED and complete application. The Institute offers programs to earn designations CFS, BCS, BCE, BCI, BCM and BCF.
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ICDP Institute for Certified Divorce Planners. The ICDP, formerly Quantum Institute for Professional Divorce Planning, was founded in 1993. The Institute was created to give financial and legal professionals training in pre-divorce financial planning. Instructors are attorneys and CFPs who are experienced in this field. A client newsletter and referral service is available to members. Currently, the ICDP is the only training location to offer the CDP, Certified Divorce Planner designation. ICFP Institute of Certified Financial Planners. The ICFP and the IAFP have now merged. A professional membership organization for CFPs. Had local societies in many major cities or states. The ICFP held an annual meeting, a practice management conference, a retreat for master members and a weeklong residency for new entrants. About 15,000 members. IFP Institute of Financial Planning. The Institute helps in the enhancement and advancement of the multi-disciplinary profession of financial -planning. Its mission is "to develop and promote the profession of financial planning to the general public and to those people involved in providing advice and guidance to the clients, in order to most effectively fulfill every client's financial and lifestyle objectives." Originating in 1986, the Institute could grant CFP and Certified Financial Planners designations starting in 1995 by a license from the CFP Board. IIMC Institute for Investment Management Consultants. With approximately 900 members, the IIMC has 15 chapters with 12 twelve more in the works. Memberships are divided into two categories: corporate and consultant. Most members already hold several professional designations. An educational facility, it holds two conferences a year, offers benefits and discounts to members, and sells software. IMA Institute of Management Accountants. Accountants and corporate finance persons make up this professional organization devoted to management accounting and financial management. Currently, 75,000 members enjoy benefits like: group insurance, member interest groups, a Catalog of Publications, Research Publication Service, member discounts, job listings, scholarships and a newsletter for each of the 300 chapters. The IMA offers the designations CMA and CFM and publishes the Strategic Finance magazine monthly. IAFP International Association for Financial Planning. Now a part of FPA. A general membership trade organization. Had local chapters in major cities. Also had a broker/dealer division for participation of investment firms and a corporate division for product vendors. Conducted three annual conferences and offered a wide variety of publications, cassettes and books. About 17,000 members. IARFC International Assn. of Registered Financial Consultants. A professional membership group for Registered Financial Consultants (RFC) and Registered Financial Associates (FRA). Provides two continuing education conferences: one on a week cruise and the other held at a college campus of an institution that offers a
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financial planning curriculum. The IARFC provides practice management oriented benefits to its members. About 1,500 members. International Forum. Founded in 1973, the Forum "provides an opportunity for free exchange of ideas and high level sales expertise between top producers in the life insurance profession." Ideas such as the 401K, producer groups, agent reinsurance companies and broad-based corporate insurance plans were created or enhanced at International Forum meetings. The Forum is governed by its own members, not corporate sponsors or industry groups. The registration fee and membership dues are $750. Workshops provide continuing education credits for members. Membership guidelines require certain commission and income levels and Top of the Table affiliation. InFRE International Foundation for Retirement Education. Giver of the CRC and CRA designations, InFRE is a non-profit, tax-exempt organization "dedicated to advancing the quality of retirement for American workers through objective, non-biased academically driven initiatives." ISRP International Society for Retirement Planning. Founded in 1975, this organization has worked to improve the quality of life for mature adults. Regional chapters are located in three states: California, Michigan and Washington. The current 400 members are of the following groups of individuals: human resources personnel, adult educators, financial and insurance advisors, attorneys, corporate retiree-relations executives, pension administrators, senior executives, labor union leaders, researchers, individuals in marketing, religious and community leaders and advocacy groups leaders. ICAA Investment Counsel Association of America, Inc. This non-profit organization solitarily represents federally registered RIAs. Founded in 1937, the ICAA played a major role in enacting the Investment Advisers Act of 1940. Today, the ICAA consists of over 225 investment firms. It provides advocacy for its members to the U.S. Congress, the SEC and other federal and state agencies. ICI Investment Company Institute. The Investment Company Institute is the national association of the American investment company industry. Its membership includes 7,546 open-end investment companies ("mutual funds"), 457 close-end investment companies and 8 sponsors of unit investment trusts. Its mutual fund members have assets of about $5,730 trillion, accounting for approximately 95% of total assets, and have over 73 million individual shareholders. The purpose of the Institute is to represent members and their shareholders in matters of legislation, statistics, public information, regulation, taxation, economic and market research. LIMRA International. LIMRA (Life Insurance Marketing and Research Association) was founded in 1916 to support and improve the marketing functions of life insurance companies by providing products and services based on its own original research. It also helps in consultation and educational services. Today there are over 700 members in almost 60 countries.
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LOMA Life Office Management Association. LOMA's goal to its 1,100 members it to "improve management and operations through quality education, employees development, research, information sharing and related products and services." Members enjoy benefits like reading an association monthly column; training through seminars, workshops, studies, conferences seminar and special interest publications and audio-tapes; and learning through its maintained and updated Information Center/ insurance database of over 10,000 documents. LOMA's education programs cover many topics of interest, some of these programs of which 100,000 professionals have enrolled each year. LUTC Life Underwriter Training Council. An organization that offers and administers educational programs with a practice orientation in the fields of life insurance and financial services. Awards the LUTCF - Life Underwriter Training Council Fellow designation, of which 60,000 have been granted to persons who complete five courses and an ethics program. Not a membership organization; courses are taught locally in several hundred cities and on demand. MDRT Million Dollar Round Table. An organization of the elite producers of life insurance. Membership is based on production requirements that are adjusted annually. About 66% of membership are U.S. Those with greater production may qualify for Court of the Table or Top of the Table. Holds an annual conference with 5,000 members attending and produces a variety of productivity aids for the members. About 22,000 members. NAELA National Academy of Elder Law Attorneys, Inc. Established in 1987, this non-profit organization assists those who work with older clients and their families including lawyers and bar organizations. As stated in its mission statement, the NAELA promotes, "improvement in substantive law, legal education, and ethical guidelines in serving older persons.'" Students receive pertinent information, qualified training and networking opportunities. Benefits include an annual symposium, the annual advanced institute, special interest groups and National Elder Week celebrations. NACEC National Association of Charitable Estate Counselors. A non-profit group of 3000 financial advisors, a portion of whom have been granted the CPhD designation. Membership in NACEC is required by the National Heritage Foundation, an umbrella, nationally chartered foundation that promotes philanthropy by permitting donors to establish sub-foundations into their specific interests. About 3000 sub-foundations have already been established and founded. NAELA National Academy of Elder Law Attorneys, Inc. Established in 1987, this non-profit organization assists those who work with older clients and their families including lawyers and bar organizations. As stated in its mission statement, the NAELA promotes, "improvement in substantive law, legal education, and ethical guidelines in serving older persons." Students receive pertinent information, qualified training and networking opportunities. Benefits include an annual symposium, the annual advanced institute, special interest groups and National Elder Week celebrations.
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NAEPC National Association of Estate Planners and Councils. Each professional must complete an exam in his or her specialty. The NAEP introduced a new program format its national conference in November 1998. This association of about 1,200 members enhances the professionalism of estate planners and assists them to deal with the important issues that impact their clients, the consumer and the general society. It now incorporates a Web Partner Program for its member councils, and has joined an alliance with the American College to offer graduate-level courses as the education requirement for the AEP designation. NAFIC National Association of Fraternal Insurance Counselors. A professional and educational association with a membership of 6,000 fraternal insurance agents internationally. It hosts an annual conference (this year being its 50 th) with normally 200-400 registered attendees. NAFEP National Association of Financial and Estate Planning. A private association guided by its Board of Advisors. It has an on-going consulting service for its members. Approximately 200 people are members currently, but 50-100 have seem to be added a year for the last couple of years. Members must be financial, accounting or legal professionals. Members are guided in estate planning, business planning, the law and taxation. NAILBA National Association of Independent Life Brokerage Agencies. This nonprofit trade association began in 1981 and serves the United States and North American life brokerage agencies. In Canada and the U.S., its 300 independent agencies serve 125,000 high performing agents. In order to gain membership, agencies have a license, have two years experience, have three or more companies they represent and have their primary business of selling life/health insurance directly to customers. A quarterly magazine, The NAILBA Magazine is a product of the association. NAIC National Association of Insurance Commissioners. The NAIC, established in 1871 by state insurance commissioners, provides a level of uniformity among individual states’ regulatory activities, serves as a clearing house for information among each state, develops exceptional regulatory legislation to be approved by each state, and organizes political unity among the insurance commissioners of each state. NAIFA National Association of Insurance and Financial Advisors. A U.S. based association of life insurance agents, multi-line agents and financial advisors. Coordinates with 50 state associations and 1000 local associations. Holds a national annual conference and states hold similar events, usually of shorter duration. About 100,000 members. A new Division of Financial Advisors provides services and programs to persons offering broader services. (Formerly NALU - National Association of Life Underwriters) NAPFA National Association of Personal Financial Advisors. An association of financial advisors who do business only on a fee basis, accepting no commissions.
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Licenses the use of “F-O" (fee-only) trademark for its members. Hold annual and regional conferences. About 525 members. NAPIA National Association of Professional Insurance Agents. Members enjoy a Fax-on-demand service, hands-on training, networking, information resource center on the Web, PIA Newsline (online newsletter), discounts on software, and annual conventions. Its Governmental Affairs Department represents the legislative and regulatory interests of PIA members and customers before Congress, the Executive Branch and other governmental bodies. The association's mission is "to serve as your ultimate business resource." NARA/MU National Association of Review Appraisers & Mortgage Underwriters. This non-profit organization of 12,000 members fills the gap of having an organization represent these specialized fields. Membership includes a subscription to the NARA/MU Appraisal Review & Mortgage Underwriting Journal, The Reviewing Times newsletter, Guideline booklets and a membership directory. It offers one- and two-day seminars, three-day conferences and annual national conferences. NASD National Association of Securities Dealers. The NASD is the largest securities-industry self-regulatory organization in this country. Through its subsidiaries, NASD Regulation, Inc., and The Nasdaq Stock Market, Inc., the NASD, provides a dispute resolution forum, develops rules and regulations, holds regulatory reviews of member activities, and creates, operates and regulates securities markets for the benefit of investors. The NASD manages the nation’s 5,500 plus brokerage firms and more than 553,000 registered brokers. NASBA National Association of State Boards of Accountancy. NASBA, established in 1908, is the national organization of 54 state boards of accountancy in the U.S., the District of Columbia, Guam, Puerto Rico and the Virgin Islands. NASBAs purpose is to enhance the effectiveness of state boards of accountancy. It encourages cooperation among the individual state boards of accountancy, analyzes major issues affecting the boards, and fosters relationships with organizations that impact the regulation of public accounting. NASRA National Association of State Retirement Advisors. Members administer the state retirement systems for the 50 states, the District of Columbia, territories of American Samoa, Guam, Puerto Rico and the Virgin Islands. Persons can become associate or affiliate members. Only 165 firms can become associate members, with their requirement being that they must work with governmental retirement systems, belong to a firm and could be transferred from that firm. Affiliates do not pay dues, can participate in conferences and are the administrators, staff and trustees of other public retirement systems. NCFE National Center for Financial Education. A non-profit education organization dedicated to helping people do a better job of spending, saving, investing, insuring and planning for their financial future, so as not to be entirely dependent upon Social
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Security or Medicare. Founded by Loren Dunton, the financial planning pioneer, the NCFE offers a variety of benefits to financial advisors and the public. NEFE National Endowment for Financial Education. An independent, non-profit foundation dedicated to helping Americans acquire the information and gain the skills needed to make knowledgeable and positive decisions about their personal finances. The foundation accomplishes this mission by partnering with others to provide financial education to youth, segments of society with special needs, and the general public. NEFE is the former parent organization of the College of Financial Planning. A quarterly newsletter is available from the foundation at no charge. NFA National Futures Association. A Congressionally authorized self-regulatory organization of the futures industry, NFA is completely financed by the futures industry. No individual or firm may engage in any business that involves buying or selling futures contracts publicly without being a member. The mission of NFA is to provide innovative regulatory programs and services that ensure futures industry integrity, protect market participants and help our Members meet their regulatory responsibilities. NHF National Heritage Foundation. The NHF is a nonprofit charitable foundation whose purpose it to take on projects that "restore, maintain and extend out heritage of people making peoples' lives more meaningful." These projects could be religious, charitable, educational or scientific. The process is presenting the project's goals, reviewing of it by the board and then accepting if it falls within the purposes of the organization. NTSAA National Tax Sheltered Annuity Association. An independent, non-profit group of about 800 financial advisors and about 30 corporate members who focus on TSA marketing and service - using both annuities and qualified mutual fund accounts. Established in 1989, the focus is on the 403(b) market. Conducts national and regional conferences and offers a bimonthly newsletter and other publications. Has chapters in several major cities. Offers a professional designation program (CSTSA) for specialists in tax sheltered accounts. NASAA North American Securities Administrators Association. NASSA is the national organization representing 65 securities administrators from all 50 states, the District of Columbia, Canada, Mexico, and Puerto Rico, and is responsible for investor protection and regulatory oversight of the securities industry. NASAA recommends national policies in the securities industry and provides model legislation for state securities agencies to adopt affecting the regulation of financial planners and investment advisers. Serves as co-regulators of the securities industry with the SEC and work to protect the interests of all investors in the securities markets, particularly small or individual investors. RFPI Registered Financial Planners Institute. Formed in 1983, the Institute endorses courses from IAFP, NASD, and the CFP. Affiliate members of the RFPI need to complete coursework within two years and are given a subscription to a newsletter.
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Members gain a designation when they have two years experience in their respective field, attend an Institute course or complete a similar program from another organization. A five-year designation is for applicants who have at least five years of financial planning in their field. Fees are due for all members. SCSA Society of Certified Senior Advisors. The Society is provides continuing education addressing developments and research concerning the particular age group seniors. Its members are required to stay current on new issues dealing wit seniors. A quarterly journal, Research Library and National Network is available to members. SEC Securities and Exchange Commission. An independent, quasi-judicial U.S. government agency, the SEC was created by the Securities Exchange Act of 1934. Its mission is to administer laws in the securities field and to protect investors and the public in securities transactions. The SEC has the authority to audit Registered Investment Advisers and registered representatives and bring enforcement actions against them if it believes they are violating any securities acts or other federal securities laws. Currently, 7,000 Registered Investment Advisers are registered with the SEC. SITE Society of Insurance Trainers. An organization established in 1953 for insurance educators. Provides regional and national conferences and resources for training expertise to help its members. Produces a bimonthly newsletter. SFSP Society of Financial Service Professionals. Formerly the American Society of CLU & ChFC. A professional membership organization with continuing education and ethical practice requirements. Members may hold designations such as CLU, ChFC, REBC or RHU. Some are specialists in personal financial planning, others in employee benefits, brokerage, law, accounting, business insurance or estate and business planning. It has sections for various specialties and local chapters in all major cities. SFSP has about 32,000 members. TAN The Advisor Network. A national group of financial advisors, TAN has 250 members. To avoid local competition and have geographic diversity, TAN limits membership to only one member per town or city. Its monthly publication, TAN Member News includes articles submitted by the TAN members along with their current market positions and favorite securities. It references any member who has been quoted, published or appeared on television. CONTACT AND ADDRESS INFORMATION Academy of Financial Services Dept. of Finance & Real Estate Colorado State University Ft. Collins, CO 80523 Accreditation Council for Accountancy & Taxation V: 970 491 0610 F: 970 497 7665 www.vakron.edu/cba/fsr
V: 703 549 2228 F: 703 549 2984
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1010 N. Fairfax Street Alexandria, VA 22314-1574 American Bankers Association 1120 Connecticut Avenue, NW Washington, DC 20036 American Bar Association 750 N Lakeshore Dr. Chicago, IL 60611 The American College Student Services 270 S. Bryn Mawr Avenue Bryn Mawr, PA 19010 American Institute of Banking 80 Maiden Lane New York City, NY 10036 American Institute for Chartered Property Casualty Underwriters 720 Providence Road P.O. Box 3016 Malvern, PA 19355-0716 American Institute of Certified Public Accountants Personal Financial Planning Division 1211 Avenue of the Americas New York, NY 10036-8775 American Risk and Insurance Association 716 Providence Road P.O. Box 3028 Malvern, PA 19355-0728
www.acatcredentials.org
1-(800)-338-0626 www.aba.com
V: 312 988 5000 F: 312 988 6281 www.abanet.org V: 610 526 1000 888 AMERCOL F: 610 526 1465 www.amercoll.edu V: 212 480 3200 F: 212 480 3705 www.aibny.edu V: 800 644 2101 F: 610 640 9576 www.aicpcu.org
V: 888 777 7077 F: 800 362 5066 PFP:201 938 3659 www.aicpa.org
T: 610 640 1997 F: 610 725 1007 www.aria.org
American Society of CLU & ChFC (renamed, see SFSP) American Society of Pension Actuaries 4350 N. Fairfax Dr., Suite 820 Arlington, VA 22203-1619 Association for Advanced Life Underwriting F Street, NW Washington, DC 20006-4390 V: 703 516 9300 F: 703 516 9308 www.aspa.org V: 202 331 6081 F: 202 331 21641922 www.aalu.org
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Association of Financial Counseling and Planning Education 2121 Arlington Ave. Upper Arlington OH 43221 Association of Health Insurance Agents 1922 F Street, NW Washington, DC 20006-4367 Association for Investment Management & Research P.O. Box 3668 Charlottesville, VA 22903 Bank Marketing Association 1120 Connecticut Avenue, NW Washington, DC 20036 Canadian Assn. Ins. and Financial Advisors 41 Lesmill Road Don Mills, Ontario, Canada M3B 2T3 Canadian Assn. of Financial Planners 439 University Ave., Suite 1710 Toronto, Ontario, Canada M5G 1Y8 Canadian Association of Pre-Retirement Planners 10429 143 Street Edmonton, Alberta T5N 2S5 Canadian Institute of Financial Planning 151 Yonge Street, 5th Floor Toronto, Ontario, Canada M5C 2W7 Certified Financial Planner Board of Standards 1700 Broadway Suite 2100 Denver, CO 80290-2101 Chartered Property Casualty Underwriters 720 Providence Road Malvern, PA 19355-0709
V: 614 485 9650 F: 614 485 9621 www.afcpe.org
V: 202 331 2160 F: 202 835 9604 www.agents-online.com/ahia
V: 800 247 8132 F: 804 980 9755 www.aimr.org
V: 800 433 9013 F: 202 828 4540 www.bmanet.org V: 416 444 5251 F: 416 444 4356 www.caifa.com
V: 416 593 6592 F: 416 593 6592 www.cafp.org V: 403 455 0501 T: 403 459 3923 www.retirementchallenge.com
V: 416 865 1237 F: 416 366 1523 www.multifunds.com/cifp V: 303 830 7500 F: 303 860 7388 www.CFP-Board.org
V: 800 932 2728 F: 610 251 2761 www.cpcusociety.org
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College for Financial Planning 6161 S. Syracuse Way Greenwood Village, CO 80111-4707 Commodity Futures Trading Commission 3 Lafayette Centre 1155 21st Street, N.W. Washington, DC 20581 Corporation for Long-Term Care Certification 233 Needham St. Newton, MA 02464-1502 Financial Planning Association 3801 East Florida Avenue Suite 708 Denver, CO 80210 GAMA International 1922 F Street, NW Washington, DC 20006 Independent Insurance Agents of America 127 S Peyton Street Alexandria, VA 22314 Institute of Business and Finance 7911 Herschel Ave. Suite 201 La Jolla CA 92037-4413 Institute for Certified Divorce Planners 2724 Winding Trail Place Boulder, CO 80304 Institute of Certified Financial Planners 3801 E. Florida Avenue Suite 708 Denver, CO 80210 Institute of Financial Planning Whitefiars Centre Lewins Mead Bristol BS1 2NT Institute of Investment Management Consultants 10214 N. Tatum Blvd. Suite A700
V: 800 237 1200 F: 303 220 0838 www.fp.edu V: 202 418 5000 F: 202 418 5538 www.cftc.gov
V: 877 771 2582 F: 617 796 9268 www.ltc-cltc.com V: 800 322 4237 F: 303 759 0749 www.fpanet.org
V: 202 331 6088 F: 202 785 5712 www.gamaweb.com V: 800 221 7917 F: 703 683 7556 www.iiaa.org V: 800 848 2029 F: 619 454 4660 www.icfs.com/icfs V: 800 875 1760 F: 303 444 9202 www.InsitiuteCDP.com V: 303 759 4900 F: 303 759 0749 www.icfp.org
V: 0117 930 4434 F: 0117 929 2214 enquiries@institutefinplan.demon.co.uk
V: 800 449 4462 F: 602 922 0391 www.theiimc.org
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Phoenix, AZ 84028 Institute of Management Accountants 10 Paragon Drive Montvale, ID 07645-1759 International Association for Financial Planning 5775 Glenridge Drive, NE Suite B-300 Atlanta, GA 30328-5364 International Association of Registered Financial Consultants P.O. Box 42506 Middletown, OH 45042-0506 International Forum 401 North Michigan Avenue Chicago, IL 60611 International Foundation for Retirement Education 8201 Greensboro Drive McLean, VA 22102 International Society Retirement Planners 4248 Park Glen Road Minneapolis, MN 55416 Investment Counsel Assn. of America, Inc. 1050 17th Street, NW Washington, DC 20036-5503 Investment Company Institute 1401 H St. NW Washington, DC 20005 Life Insurance Marketing and Research Assn. P.O. Box 208 Hartford, CT 06141 Life Office Management Association, Inc. 2300 Windy Ridge Parkway, Ste. 600 Atlanta, Georgia 30339 V: 800 638 4427 F: 201 573 8438 web.imanet.org
V: 404 845 0011 F: 404 845 3660 V: 800 945 IAFP www.iafp.org
V: 800 532 9060 F: 513 424 5752 www.iarfc.org V: 800 499 0974 F: 312 527 6658 forum@sba.com V: 703 250 3075 F: 703 250 0238
T: 888-456-ISRP (4777) F: 612-929-1318 www.isrplan.org V: 202 203 ICAA F: 202 293 4223 DavidT@icaa.org V: 202 326 5800 www.ici.org
V: 860 688 3358 F: 860 298 9555 www.limra.com
T: 800 ASK-LOMA F: 770 984 6420 www.loma.org
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Life Underwriting Training Council 7625 Wisconsin Avenue Bethesda, MD 20814-3560 Million Dollar Round Table 325 W, Touhy Avenue Park Ridge, IL 60068 Nat'l Academy of Elder Law Attorneys, Inc. 1604 North Country Club Road Tucson, AR 85716 Nat'l Association of Charitable Estate Counselors 6218 Beachway Drive Falls Church, VA 22041 Nat’l Assn. of Estate Planners & Councils 270 S. Bryn Mawr Avenue Bryn Mawr, PA 19010-2195 Nat’l Assn. of Financial And Estate Planning 525 East 4500 South, Suite F-100 Salt Lake City, UT 84107 National Association of Fraternal Insurance Counselors P.O. Box 357 Sheboygan, WI 53082-0357 National Association of Independent Life Brokerage Agencies 8201 Greensboro Drive, Suite 300 McLean, VA 22102 Nat'l Association of Insurance Commissions 120 W 12th St, Suite 1100 Kansas City, MO 64105 Nat'l Association of Insurance and (NAIFA) Financial Advisors 2901 Telestar Court Falls Church, VA 22042 Nat’l Assn. of Personal Financial Advisors 355 West Dundee Road Suite 200 Buffalo Grove, IL 60089
V: 301 913 5882 F: 301 913 0123 www.lutc.org V: 847 692 6378 F: 847 518 8921 www.mdrt.org V: 520 881 4005 F: 520 325 7925 www.naela.com V: 800 986 4483 F: 703 820 5100 www.nhf.org
V: 610 526 1389 F: 610 526 1224 www.naepc.org V: 801 266 9900 F: 801 266 1019 www.nafep.com V: 920 457 3763 F: 920 457 4661 no website
V: 703 610 9020 F: 703 610 9005 www.nailba.com
V: 816 842 3600 F: 816 471 7004 www.naic.org V: 703 770 8100 F: 703 770 8224 www.naifa.org V: 847 537 7722 F: 847 537 7740 www.napfa.com
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National Association of Professional Insurance Agents 400 N Washington Street Alexandria, VA 22314 Nat'l Assn. of Review Appraisers and Mortgage Underwriters 1224 North Nokomis NE Alexandria, Minnesota 56308 USA National Association of Securities Dealers 1735 K St. NW Washington, DC 20006 National Association of State Retirement Advisors 444 North Capitol Street, NW, Suite 234 Washington, DC 20001 National Association of State Boards of Accountancy 150 Fourth Ave. N Suite 700 Nashville, TN 37219 National Center for Financial Education P. O. Box 34070 San Diego, CA 92163-4070 National Endowment for Financial Education 5299 DTC Blvd, Suite 1300 Englewood, CO 80111-3334 National Futures Association 200 W Madison St Chicago, IL 60606 National Heritage Foundation 6218 Beachway Drive Falls Church, VA 22041 National Tax Sheltered Annuity Assoc. 4708 Cherry Hills Court Lawrence, KS 66047 North American Securities Administrators Assn. 10 G St. NE, Suite 710
T: 703 836 9340 F: 703 836 1279 www.pianet.com
V: 320 763 6870 F: 320 763 9290 www.iami.org/nara
V: 202 728 8000 www.nasd.com
V: (202) 624-1417 F: (202) 624-1419 FAX http://www.nasra.org
V: 615 880 4200 F: 615 880 4290 www.nasba.org
V: 619 232 8811 F: 619 297 3076 www.ncfe.org V: 303 741 6333 F: 303 220 0838 www.nefe.org V: 312 781 1300 F: 312 781 1467 www.nfa.futures.org V: 800 986 4483 F: 703 820 5100 www.nhf.org V: 800 543 0152 F: 785 865 3731 www.ntsaa.org V: 202 737 0900 F: 202 783 3571 www.nasaa.org
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Washington, DC 20002 Registered Financial Planners Institute 20001 Cooper Foster Park Rd. Amherst, OH 44001 Securities and Exchange Commission 450 Fifth Street Washington, DC 20549 Society of Certified Senior Advisors 1777 So. Bellaire, Suite 230 Denver, CO 80222 Society of Financial Service Professionals 270 Bryn Mawr Avenue Bryn Mawr, PA 19010 Society of Insurance Trainers and Educators 2120 Market Street, Suite108 San Francisco, CA 94114 The Advisor Network 5419 SW Scholls Ferry Rd Portland, OR 97225 (Last edited 4-25-00) V: 440 282 7176 www.rfpi.com
V: 202 942 7040 F: 202 942 9634 www.se.gov V: 800 653 1785 F: 303 757 7677 www.society-csa.com V: 888 243 2258 F: 610 527 4010 www.financialpro.org V: 415 621 2830 F: 415 621 0889 www.connectyou.com\ins\site.htm V: 503 297 5470 F: 503 297 8116 www.theadvisornet.com
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