Do I need acomprehensive plan?Maybe! The decision processis a bit like a sick person visit-ing a physician. Often a doctorquickly recognizes the problemand provides a prescription ortreatment. Other times a com-plete exam and many tests arerequired to properly arrive atthe diagnosis that leads to sur-gery, medication, recuperationand long-term improvedhealth. You must have confi-dence in the skill, education,ethics and dedication of anyprofessional you consult. Youalso want the confidence thatcomes from knowing youradvisor is committed to on-going professional education.When a comprehensiveapproach is truly required, thenan instant remedy might be aserious mistake.

Do you need a

financial advisor?professional

Financial Planning Building2507 North Verity ParkwayMiddletown, Ohio 45042

www.iarfc.org

Code of Ethics• I will at all times put myclient’s interest above my own.

• I will maintain proficiency inmy work through continuingeducation.

• When fee-based services areinvolved, I will charge a fairand reasonable fee based onthe amount of time and skillrequired.

• I will abide by both the spiritand the letter of the laws andregulations applicable to finan-cial planning services.

• I will give my client the sameservice that I would give tomyself in the same circum-stances.

Aworldwide network of professional financial advisorstrained to help you acquire and retain wealth.

In a society that grows morecomplex every day, consumersare presented with the constantpressures of family, career,

A personal advisor guides the financial planningprocess: goal identification, data organization, analy-sis, problem identification, recommendations, andmost important - plan implementation and resultsmonitoring. Your advisor will help you save, spend,invest, insure and plan wisely for the future.

A Registered Financial Consultant has met thequalifications required to serve the public effectively,and moreover, is committed to essential professionalcontinuing education. You can’t delegate your job, car-

Who needs afinancial advisor?

eer, civic or family responsibilities - but you can obtainqualified, professional financial advice and service.

What is the RFC designation?

The Registered Financial Consultant (RFC) is a pro-fessional designation awarded by the InternationalAssociation of Registered Financial Consultants tothose financial advisors who can meet the high stan-dards of education, experience and integrity that arerequired of all its members.

The IARFC is a non-profit professional credentialorganization of proven financial professionals formedto foster public confidence in the financial planningprofession, to help financial advisors exchange plan-ning techniques, and to give deserved recognition to

Because there are no consistent licensing require-ments for the various persons who call themselves“financial planners” the public has a critical need for amethod of distinguishing the qualified and dedicatedfinancial advisor.

What is the purpose of theIARFC ?

How does IARFC maintain andpublish the credibility of members ?

RFC continuingeducation requirements:

inquirers may obtain a list of designation holdersand complete contact information at: www.iarfc.org

Each year the RFC must complete a minimum of 40units (hours) of professional continuing education.This includes college courses, educational sympo-siums, credentialing courses, distance learning pro-grams and practitioner conferences. Many RFCs areinstructors at colleges and conferences.

responsibilities and personal enrichment. The finan-cial marketplace is ever-changing with new laws, reg-ulations, economic events, market changes, productofferings and conflicting media messages. Making theright financial moves at the right time is critical toachieving security and accomplishing personal objec-tives.

those practitioners who are truly committed toethical standards and continuous professional educa-tion.

RFCexamination process

The comprehensive RFC examination covers a widerange of subject matter: Principles of PersonalFinance, Debt and Cash Flow Management,Employee and Government Benefits, Annuities,Securities, Investments and Asset Allocation, Life,Health and Casualty Insurance, Education andSpecial Needs Funding, Estate Planning, SurvivorIncome Needs Analysis, and Retirement Income.

What about other professionaldesignations ?

The primary purpose of the IARFC is to provide thepublic with convenient access to well qualified practi-tioners from which to choose a personal financialadvisor. It is the only professional organization thatrequires all of its members to meet and documentseven stringent requirements of education, experi-ence, examination, integrity, licensing, ethics andsignificant continuing professional education.

We hold the RFC designation to be different and per-haps more encompassing. However, the IARFCdoes not assert that many other professional desig-nations or their organizations are inferior. The publicis not served by divisive criticism, but rather by dedi-cated and well-prepared professionals. Our goal is toencourage professional conduct and collaborationbetween professional advisors, with strong emphasison the importance of continuing education.

The IARFC removes the designation from anyonewho fails to maintain proficiency through substantialcontinuing education, or who betrays the public trustby failing to live up to its Code of Ethics or by havinga professional license revoked or suspended. Public

What should planning include?

Personal financial decisions should always be madefrom a net planning perspective that embodies threephases: accumulation, distribution and legacy.