Our Education

Our Education & Designations

Fiduciary Standard

When the situation calls for it, we act as fiduciaries - prioritizing your best interests and always making recommendations specific to your situation as we "conduct" your financial plan through our Harmony FORMula. Because we take that role seriously, we've taken the time and put in the effort to gain certain designations. Financial advisor designations are professional credentials from third-party institutions or companies such as The American College of Financial Services and help us learn more, and learn more deeply.

What are Financial Advisor Designations?

Financial advisor designations are professional credentials that demonstrate an advisor’s additional education in specific areas of financial planning. Some designations require formal coursework, examinations or assessments, real‑world experience, and ongoing continuing education.

Some of these credentials help indicate an advisor’s commitment to comprehensive financial planning, ethical standards, and staying current on financial strategies and more.

Meet the Team

What is the ChFC® Designation? (Held by Greg)

The Chartered Financial Consultant^® (ChFC^®) designation reflects specific training in comprehensive financial planning and a commitment to helping clients make informed, long‑term decisions. Professionals who earn the ChFC® designation complete a course of study designed to deepen their expertise across the full financial planning landscape.
The ChFC® curriculum covers topics such as investments, retirement planning, tax-efficient strategies, risk management, financial estate planning, and behavioral finance. Unlike a single exam‑based designation, the ChFC® requires successful completion of multiple in‑depth courses, demonstrating sustained commitment. Designation holders also complete ongoing continuing education to stay current as strategies, regulations, and client needs evolve.

What is the CFP® Designation? (Held by Bob)

The CERTIFIED FINANCIAL PLANNER™ (CFP^®) designation represents a high standard of additional education in financial planning. Professionals who earn the CFP^® designation meet rigorous requirements for education, examination, experience, and ethics—demonstrating a deep commitment to serving clients thoughtfully and responsibly.
Earning the CFP^® designation requires extensive study across the full scope of financial planning, including investments, retirement, how taxes affect investments, risk management, and financial estate planning. Candidates complete a comprehensive education program, pass an exam, gain real‑world experience, and commit to ongoing continuing education to maintain the designation. It reflects a dedication to lifelong learning and staying current as laws, strategies, and client needs evolve.

What is the CLU® Designation? (Held by Greg)

The Chartered Life Underwriter^® (CLU^®) designation represents advanced knowledge in insurance and risk management as part of a comprehensive financial plan. Professionals who earn the CLU^® designation have completed specialized education focused on protecting individuals, families, and businesses from financial risk.
The CLU® program requires in‑depth study of life insurance, financial estate planning, business succession, and wealth transfer strategies. It emphasizes how protection planning fits into the broader financial picture—not as a standalone product, but as a strategic tool. Maintaining the designation also requires ongoing continuing education, reflecting a commitment to staying current as laws, products, and planning strategies evolve.

What is the CLTC® Designation? (Held by Greg & Bob)

The Certified in Long‑Term Care^® (CLTC^®) designation reflects specialized training in long‑term care planning and strategies designed to protect independence, family, and financial security. Professionals who earn the CLTC® designation focus on helping clients understand and prepare for care‑related risks as part of a comprehensive financial plan.
The CLTC^® education centers on long‑term care planning concepts, insurance solutions, and how care decisions impact retirement income, assets, and loved ones. Earning the designation requires targeted coursework and ongoing education to stay current as care options, regulations, and planning strategies continue to evolve. It represents a commitment to thoughtful planning for one of life’s most complex and personal risks.