Disclosures and disclaimers

CFP^®

The CERTIFIED FINANCIAL PLANNER™, CFP^® and federally registered CFP (with flame design) marks (collectively, the “CFP^® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP^® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP^® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP^® certification in the United States.

To attain the right to use the CFP^® marks, an individual must satisfactorily fulfill the following requirements:

·         Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;

·         Examination – Pass the comprehensive CFP^® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;

·         Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and 

·         Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP^® professionals.

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP^® marks:

·         Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and 

·         Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP^® professionals provide financial planning services at a fiduciary standard of care. This means CFP^® professionals must provide financial planning services in the best interests of their clients.

CFP^® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP^® certification. 

CRPC^®

To be entitled to use the CRPC^® and CHARTERED RETIREMENT PLANNING COUNSELOR℠ mark, professionals must successfully complete the specialized program, pass a rigorous examination, sign a code of professional ethics, complete a disclosure form attesting to their professional conduct, and meet ongoing continuing education requirements. CHARTERED RETIREMENT PLANNING COUNSELOR℠ and CRPC^® are registered service marks of the College for Financial Planning. 

CRPC^®  topics include: The Retirement Planning Process & Meeting Multiple Financial Objectives, Sources of Retirement Income, Personal Savings: Investing for Retirement, Employer-Sponsored Plans, Individual Deferred Compensation, Planning for Incapacity, Disability & Long-Term Care, When to Retire, Retirement Plan Distributions, Asset Management & Investment Strategy During Retirement, Income Taxes & the Retiree, Estate Planning, Retirement Cash Flow Considerations.

First Affirmative Financial Network, LLC

This office subscribes to First Affirmative's Professional Member Service Package. We also utilize First Affirmative's investment consulting, reporting, and administrative client services. Network members are expected to demonstrate certain standards of competence, experience, commitment, and professional conduct as described in the document “Values and Conduct of Network Members.” Click here to review additional disclosure information about Eric Smith's relationship with First Affirmative and his Advisory Board participation.

Calvert Foundation and Impact Assets

Disclaimers

• This is neither an offer to sell nor solicitation of an offer to buy any security.
• For more complete information about a fund, including risks, charges and expenses, obtain a prospectus from your securities dealer or representative and read it carefully before you invest.
• Advisory services are provided upon completion of an advisory services agreement. This agreement describes services to be provided and discloses relevant fees and expenses.
• Past performance is not indicative of future results. Indexes are unmanaged and do not reflect sales charges, commissions, or expenses.
• There is no assurance that funds will achieve their investment objectives. Some funds invest all or a portion of their assets in foreign securities. There are additional risks to foreign investments, including political and currency risks.
• This information is from sources believed to be reliable, but we cannot guarantee its accuracy.
• Of course, any investment decision should be made after careful review of your individual financial situation, risk tolerance, investment objectives and time horizon. 
• We provide links to other sites on the Internet for your convenience in locating information or services. Those sites are maintained by independent third parties over which we exercise no control. We do not necessarily endorse or sponsor such third parties or their web sites and are not necessarily affiliated with any such third party. Accordingly, we disclaim any responsibility for the content, accuracy, and availability of and/or quality of products or services provided by or advertised on those sites.

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