Capital and Planning
Capital and Planning was created to fill a need in the financial services industry: help individuals, families, and small businesses towards their financial goals within a framework of ethics and fiduciary standards.
disclosures
Professional designation 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.
WebsitE disclosure
Capital and Planning (“CAP”) and its representatives are in compliance with the current filing requirements imposed upon registered investment advisors by those jurisdictions in which CAP maintains clients. CAP may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. CAP’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 CAP ’s website on the Internet should not be construed by any consumer and/or prospective client as CAP’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 CAP 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 CAP , please contact the SEC, FINRA, or the state securities regulators for those states in which CAP maintains a filing. A copy of CAP’s current written ADV Part 2A disclosure statement discussing CAP ’s business operations, service, and fees is available from CAP upon written request.
Certain portions of CAP ’s website (i.e., blog, newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, CAP ’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 CAP, or from any other investment professional. CAP is neither an attorney nor an accountant and no portion of the website content should be interpreted as legal, accounting or tax advice.
CAP 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. CAP 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.
Client Portal 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 do not hesitate to contact us.