First Financial Coach

  is a mark of excellence granted to individuals who meet the stringent standards of education, examination, experience and ethics. It is the most prestigious and internationally accepted Financial Planning qualification recognized and respected by the global financial community. The CFP Certification wins trust and presents opportunities worldwide. In this era of super specialization, the Professional Certification – Certified Financial Planner (CFP) Certification, gears career aspirants and existing financial intermediaries for giving comprehensive financial advisory services to individuals and make a satisfying career in the financial services industry.

 is the principal licensing body that awards CFP Certification in India through an agreement with FPSB, US. CFP Certification is the highest level of Certification worldwide in the field of Financial Planning with largest CFP Certificants and widely respected by consumers, professionals & industry. Education is an integral component of the CFP Certification Program and any candidate aspiring to become CFP Certificant has to register himself with any of the FPSB India’s Authorized Education Providers. However, certain candidates having specified qualifications and work experience have an option of applying through Challenge Status pathway wherein they can challenge the CFP Certification Education Programme.

 CFP Certification worldwide is awarded by FPSB Affiliates to competent & qualifying candidates fulfilling the 4 E Criteria of CFP Certification i.e.

: A candidate must complete academic coverage of the Financial Planning curriculum by undergoing the 6 Module CFP Certification Education Program through an Authorized Education Provider and pass corresponding Exam 1-4 facilitated by NSE.However candidates applying through the Challenge Status Pathway are exempted from the Education Program considering their higher qualifications & work experience. Education criteria demonstrate to the public that the candidate has acquired the necessary knowledge to become a Financial Planner.

: The CFP Certification Examination (also called Exam 5 based on Module VI-Advanced Financial Planning) is designed to assess the candidate’s ability to apply Financial Planning knowledge to real-life Financial Planning situations. By passing the CFP Certification Examination, the candidate demonstrates to the public that he/she has the required level of competency to practice Financial Planning

The experience requirement qualifies work experience that involves Personal Financial Planning. Candidates under the Regular Pathway may complete the experience criteria pre or post appearing Exam 5. However candidates under Challenge Status pathway need to have attained relevant experience before appearing Exam 5. The Experience criterion is designed to provide the public with the assurance that the candidate understands the counseling nature of personal Financial Planning.

To get the CFP Certification, candidates after meeting Education, Examination & Experience criteria must agree to abide by FPSB India’s Code of Ethics, Rules of Professional Conduct, Practice Standards & Disciplinary Rules & Procedures. Careful adherence to these standards of professional conduct helps turn initial consultations into trusted, long term consulting relationships with clients and gain public confidence in the Profession.

Once Certified, CFP Certificant must fulfill the Continuing Education (CE) requirement to stay current on Financial Planning strategies, products and trends affecting their clients. CE plays a vital role in the CFP Certificants pursuit of ongoing professional competence. This demonstrates to the public that the candidate has kept himself /herself abreast of developments in the Financial Planning field.

A candidate fulfilling the rigorous initial & ongoing CFP Certification criteria and after paying the Annual CFP Certification Fees is authorized by FPSB India to use CFP, CERTIFIED FINANCIAL PLANNER & CFP flame logo collectively known as CFP Marks in his/her publishing material and communications. To maintain the legitimacy of use of CFP Marks FPSB India publishes the list of CFP Certificants on its Website Directory. Consumers are advised to cross-check the authenticity of the Financial Planner claiming to be a CFP Certificant by referring to FPSB India website directory.

Enhanced career and employment opportunities with Financial Services companies. Your Services are sought by banks, distribution houses, AMC, insurance Companies, equity broking and Financial Planning firms.

Personal satisfaction of achieving the Financial Planning profession’s highest standard and met the global benchmark

Satisfied clients who appreciate the comprehensive approach to Financial Planning and extend long term relationship and referrals

Your expertise and credibility as a qualified professional is instantly communicated.

More revenue streams by increasing your product and service offering to your clients.

Enhanced Social Status by joining the league of professionals.

Recognition in large no. of countries across the world.

Your credentials demonstrate trust among the financial consumers.

You have met the global benchmark for competency, ethics & professional practice standards to provide comprehensive Financial Planning services.

You join the global league of the best Financial Planning professionals.

So, become a Certified Financial Advisor now & start advising people about insurance and investing matters & also help them with everyday spending habits and short-term savings goals.

Over the course of this year I have talked with countless financial advisors and they all pretty much agree on what they want more of and less of; More appreciation More big picture vision More confidence More energy More high net worth clients More or better customer service and marketing systems – More profit – More profitable clients – More quality referrals – More recognition for their work – More team work – More time for planning – More time for themselves and their family Even though Financial Advisors say what they want, why are they unwilling to do what it takes to make the changes so that they can get what they want?

To be clear, most Financial Advisors are successful and are great at what they do. I am talking about getting better.

The number one thing that stops most Financial Advisors from taking action is Fear and through fear they are stuck in survival.

In their mind, they are just hanging on now.

They operate from the place of “if they were to make a change, what if it doesn’t work?” Again, in their mind they are just hanging on now.

As you can see, we are talking about “limiting beliefs” that are preventing the advisor from making the change. At the same time, the limiting beliefs are associated to limiting emotions, in this case fear. If you have been reading my material, you will likely have read that limiting beliefs are linked to limiting emotions and these are linked to unmet needs. Limiting beliefs, limiting emotions and unmet needs all play off one another.

I have an expression, “You don’t have “limiting beliefs, limiting emotions and unmet needs – they have you”.

These limiting beliefs, limiting emotions and unmet needs all play into a story.

Are you being honest with yourself? What is the story that holds you back?

Limiting beliefs, limiting emotions and unmet needs all play into a story that you made up about yourself a long time ago.

Your destiny and your story will not change unless you do something about changing it. You’ve heard the expression, “for things to change then you must change”.

You are struggling because you are hanging onto your story because in your mind, that is all you have. Who would you be without the story?

Your story isn’t about growth. If it was, you would be successful beyond your wildest dreams.

Your story is about survival and maintaining the business, the spouse, the kids, the friends, the house, the wardrobe, the cars, the cottage, the boat, the timeshare, the two – three holidays a year, the golf membership, the personal trainer and your investments.

Your story is about survival.

Your “survival” story relates again to limiting beliefs, limiting emotions and unmet needs and here are some examples;

Unmet Need; Safety Limiting Beliefs; I don’t have enough money. I don’t have enough time. Limiting Emotion;

Limiting Beliefs; People don’t appreciate what I do for them. If I make changes what will people think? – Limiting Emotion; Anxiety

With this survival story going on below the surface, and in order to not experience the above emotions, you keep working and working and working with these underlying issues believing that more work will solve your problems only to recreate more of the same experiences that you create time and time again.

The reason that this happens is coining a phrase from John Kehoe, “Thoughts are real forces”. You continue to create whatever you believe.

Yes you are successful and you do achieve results. The question is, are you as successful as you really want to be? The question is are you truly fulfilled?

Even though you have the business, the spouse, the kids, the friends, the house, the wardrobe, the cars, the cottage, the boat, the timeshare, the two – three holidays a year, the golf membership, the personal trainer and your investments – do you truly feel fulfilled?

What is sad is -

With the unmet need of safety fueling the limiting beliefs of, “I don’t have enough money” & “I don’t have enough time”, combined with the limiting emotion of fear combined with the lack of fulfillment from all the stuff that you bought to fill up the lack of fulfillment will all combine to keep you working and working and working. This is what is contributing to you not putting in place, the necessary pieces in your business to make you and your business more attractive and profitable.

With the unmet need of approval fueling the limiting beliefs of, “people don’t appreciate what I do for them & If I make changes what will people think”, combined with the limiting emotion of anxiety combined with the lack of fulfillment from all the stuff that you bought to fill up the lack of fulfillment will all combine to keep you working and working and working. This is what is contributing to you not putting in place, the necessary pieces in your business to make you and your business more attractive and profitable .

Could it be that you are still working to prove that you are good enough and that this is what recreates the incompleteness that you are experiencing in your business?

  Certified Financial Planner Certification is a mark of excellence granted to individuals who meet the stringent standards of education, examination, experience and ethics. It is the most prestigious and internationally accepted Financial Planning qualification recognized and respected by the global financial community. The CFP Certification wins trust and presents opportunities worldwide. In this era of super specialization, the Professional Certification – Certified Financial Planner (CFP) Certification, gears career aspirants and existing financial intermediaries for giving comprehensive financial advisory services to individuals and make a satisfying career in the financial services industry.

 Financial Planning Standards Board India (FPSB) is the principal licensing body that awards CFP Certification in India through an agreement with FPSB, US. CFP Certification is the highest level of Certification worldwide in the field of Financial Planning with largest CFP Certificants and widely respected by consumers, professionals & industry. Education is an integral component of the CFP Certification Program and any candidate aspiring to become CFP Certificant has to register himself with any of the FPSB India’s Authorized Education Providers. However, certain candidates having specified qualifications and work experience have an option of applying through Challenge Status pathway wherein they can challenge the CFP Certification Education Programme. FPSB India is promoted by huge no. of Financial Services Organisations.

 CFP Certification worldwide is awarded by FPSB Affiliates to competent & qualifying candidates fulfilling the 4 E Criteria of CFP Certification i.e.

Education: A candidate must complete academic coverage of the Financial Planning curriculum by undergoing the 6 Module CFP Certification Education Program through an Authorized Education Provider and pass corresponding Exam 1-4 facilitated by NSE.However candidates applying through the Challenge Status Pathway are exempted from the Education Program considering their higher qualifications & work experience. Education criteria demonstrate to the public that the candidate has acquired the necessary knowledge to become a Financial Planner.

Examination: The CFP Certification Examination (also called Exam 5 based on Module VI-Advanced Financial Planning) is designed to assess the candidate’s ability to apply Financial Planning knowledge to real-life Financial Planning situations. By passing the CFP Certification Examination, the candidate demonstrates to the public that he/she has the required level of competency to practice Financial Planning

Experience: The experience requirement qualifies work experience that involves Personal Financial Planning. Candidates under the Regular Pathway may complete the experience criteria pre or post appearing Exam 5. However candidates under Challenge Status pathway need to have attained relevant experience before appearing Exam 5. The Experience criterion is designed to provide the public with the assurance that the candidate understands the counseling nature of personal Financial Planning.

Ethics: To get the CFP Certification, candidates after meeting Education, Examination & Experience criteria must agree to abide by FPSB India’s Code of Ethics, Rules of Professional Conduct, Practice Standards & Disciplinary Rules & Procedures. Careful adherence to these standards of professional conduct helps turn initial consultations into trusted, long term consulting relationships with clients and gain public confidence in the Profession.

Continuous Education:

Once Certified, CFP Certificant must fulfill the Continuing Education (CE) requirement to stay current on Financial Planning strategies, products and trends affecting their clients. CE plays a vital role in the CFP Certificants pursuit of ongoing professional competence. This demonstrates to the public that the candidate has kept himself /herself abreast of developments in the Financial Planning field.

Authorization to use CFP Marks:

A candidate fulfilling the rigorous initial & ongoing CFP Certification criteria and after paying the Annual CFP Certification Fees is authorized by FPSB India to use CFP, CERTIFIED FINANCIAL PLANNER & CFP flame logo collectively known as CFP Marks in his/her publishing material and communications. To maintain the legitimacy of use of CFP Marks FPSB India publishes the list of CFP Certificants on its Website Directory. Consumers are advised to cross-check the authenticity of the Financial Planner claiming to be a CFP Certificant by referring to FPSB India website directory.

Benefits of CFP Certification:

Enhanced career and employment opportunities with Financial Services companies. Your Services are sought by banks, distribution houses, AMC, insurance Companies, equity broking and Financial Planning firms.

Personal satisfaction of achieving the Financial Planning profession’s highest standard and met the global benchmark

Satisfied clients who appreciate the comprehensive approach to Financial Planning and extend long term relationship and referrals

Your expertise and credibility as a qualified professional is instantly communicated.

More revenue streams by increasing your product and service offering to your clients.

Enhanced Social Status by joining the league of professionals.

Recognition in large no. of countries across the world.

Your credentials demonstrate trust among the financial consumers.

You have met the global benchmark for competency, ethics & professional practice standards to provide comprehensive Financial Planning services.

You join the global league of the best Financial Planning professionals.

So, become a Certified Financial Advisor now & start advising people about insurance and investing matters & also help them with everyday spending habits and short-term savings goals.

Most people are fearful that they might only get burned with their financial planning. The best thing to start with financial planning is to come prepared and research as much as possible. By determining what you need at the very beginning, you will have a direction to follow and lead your financial planner rather than him leading you. What is financial planning then? It is by all means a form of planning which is personally customized and successfully meets your needs. It is founded on your preferences helping you reach your financial goals in the long run. Clearly, one of the main requirements of a financial plan is that you fully understand your own needs. This is because if the needs are already clear, your implementation will be much guided. Finding the right financial planning can only be proven with a full assessment of your finances. Usually, before beginning a plan, you are already pre-assessed with your financial situation. After a certain time following the plan, you are consulted and an overall assessment of your financial status will be gauged. This will be compared to your pre-financial plan status. If you see some improvement with your financial life, you are on track. Remember though that most financial planner will not assess you if they had already predicted a negative result. Only the most objective ones do this and if your planner is willing to give you one, then, you are probably very lucky to stumble upon a very objective financial planner. That is probably the reason behind that you must only have the best man behind your the planning. Almost anybody can call themselves a financial planner and that’s pretty crazy. Be on the lookout for someone who has the education, experience with the vital skills to work for your success. Be very wary with finding the one. Other professionals might call themselves a planner. But they may only be knowledgeable in a narrow range of products and this might lead to recommending you products that are not securities. Your best bet with your search is to only take into account professionals who are a Certified Financial Planner (CFP). Get the best leads on reputable advisors from your network of family, friends, and colleagues. A CFP will prepare your financial plans. He or she assesses your savings, investments, insurance, taxes, retirement, and estate planning. By assessing all the aspects of your financial life, a planner will help you advance a detailed strategy to meet all your financial goals.

Over the course of this year I have talked with countless financial advisors and they all pretty much agree on what they want more of and less of; More appreciation More big picture vision More confidence More energy More high net worth clients More or better customer service and marketing systems – More profit – More profitable clients – More quality referrals – More recognition for their work – More team work – More time for planning – More time for themselves and their family Even though Financial Advisors say what they want, why are they unwilling to do what it takes to make the changes so that they can get what they want?

To be clear, most Financial Advisors are successful and are great at what they do. I am talking about getting better.

The number one thing that stops most Financial Advisors from taking action is Fear and through fear they are stuck in survival.

In their mind, they are just hanging on now.

They operate from the place of “if they were to make a change, what if it doesn’t work?” Again, in their mind they are just hanging on now.

As you can see, we are talking about “limiting beliefs” that are preventing the advisor from making the change. At the same time, the limiting beliefs are associated to limiting emotions, in this case fear. If you have been reading my material, you will likely have read that limiting beliefs are linked to limiting emotions and these are linked to unmet needs. Limiting beliefs, limiting emotions and unmet needs all play off one another.

I have an expression, “You don’t have “limiting beliefs, limiting emotions and unmet needs – they have you”.

These limiting beliefs, limiting emotions and unmet needs all play into a story.

Are you being honest with yourself? What is the story that holds you back?

Limiting beliefs, limiting emotions and unmet needs all play into a story that you made up about yourself a long time ago.

Your destiny and your story will not change unless you do something about changing it. You’ve heard the expression, “for things to change then you must change”.

You are struggling because you are hanging onto your story because in your mind, that is all you have. Who would you be without the story?

Your story isn’t about growth. If it was, you would be successful beyond your wildest dreams.

Your story is about survival and maintaining the business, the spouse, the kids, the friends, the house, the wardrobe, the cars, the cottage, the boat, the timeshare, the two – three holidays a year, the golf membership, the personal trainer and your investments.

Your story is about survival.

Your “survival” story relates again to limiting beliefs, limiting emotions and unmet needs and here are some examples;

Unmet Need; Safety Limiting Beliefs; I don’t have enough money. I don’t have enough time. Limiting Emotion;

Limiting Beliefs; People don’t appreciate what I do for them. If I make changes what will people think? – Limiting Emotion; Anxiety

With this survival story going on below the surface, and in order to not experience the above emotions, you keep working and working and working with these underlying issues believing that more work will solve your problems only to recreate more of the same experiences that you create time and time again.

The reason that this happens is coining a phrase from John Kehoe, “Thoughts are real forces”. You continue to create whatever you believe.

Yes you are successful and you do achieve results. The question is, are you as successful as you really want to be? The question is are you truly fulfilled?

Even though you have the business, the spouse, the kids, the friends, the house, the wardrobe, the cars, the cottage, the boat, the timeshare, the two – three holidays a year, the golf membership, the personal trainer and your investments – do you truly feel fulfilled?

What is sad is -

With the unmet need of safety fueling the limiting beliefs of, “I don’t have enough money” & “I don’t have enough time”, combined with the limiting emotion of fear combined with the lack of fulfillment from all the stuff that you bought to fill up the lack of fulfillment will all combine to keep you working and working and working. This is what is contributing to you not putting in place, the necessary pieces in your business to make you and your business more attractive and profitable.

With the unmet need of approval fueling the limiting beliefs of, “people don’t appreciate what I do for them & If I make changes what will people think”, combined with the limiting emotion of anxiety combined with the lack of fulfillment from all the stuff that you bought to fill up the lack of fulfillment will all combine to keep you working and working and working. This is what is contributing to you not putting in place, the necessary pieces in your business to make you and your business more attractive and profitable .

Could it be that you are still working to prove that you are good enough and that this is what recreates the incompleteness that you are experiencing in your business?

When you sign up with a company that offers financial services like H&R Block, you’re not only going to be able to enjoy their wide range of tax preparation experience, but they can also provide you with an idea of how you might benefit in terms of deductions for the following year. They also provide savings plans like IRA contributions and other financial accounts. These financial services are easily accessible, do not necessarily require an appointment and are reasonably charged.

They also work excellent for people with short term goals for their finances. While companies like these seem impressive, you will want to treat these people as though they were an employee at your business. You need to look into their qualifications, their experience, and their skills before you settle on just one person to handle your financial affairs. Are they recommended or do they have references? If so, be sure to check these references well to see what others say about them.

You should also find out how much they charge for their financial services. You need to find out if your planner is going to get payed based on the difficulty of your taxes and finances or if they get payed on commission depending on the money you make from their advice. Some will charge a flat fee for their help.

It’s also important to feel comfortable sharing your financial situation with them. If you don’t like their personality or you don’t like how they treat you, keep looking for someone else. When you’re dealing with money, you need to feel as though you can be as honest as possible and get all you can from their financial services. As you first talk to them, ask what they would recommend for you. If it doesn’t seem right, you might want to find another individual who makes sense to you.

Having a financial planner on your side as you do taxes and manage your finances is a very good thing for many reasons. Because a lot of people are concerned about retiring as well as their financial goals, there are more financial services being used. This has created a wide variety of planners who not only specialize in different fields of finance, but who will also compete in order to get your business.

It is also very convenient. There’s nothing quite like depending on financial services to handle the details of your taxes or financial situation and then letting them figure out what to do. While you might have other ideas in mind, you can simply leave them your paperwork and let them handle the mess. For those who have enough responsibilities on their shoulders, this is a convenient arrangement, especially when you’re trying to run your own business.

The truth is, no matter which type of financial services you are interested in using, you will find professionals, qualified in their field of expertise to help you every step of the way. Not only does it make it easier to enjoy the money that you earn, it also minimizes the stress for you. Take the time to seek out and choose the best planner for you. Soon you will be taking advantage of the benefits of using financial services.