ira's larkspur
financial advisor marin
financial planning larkspur
income streams mill valley

Qualification

Financial Advisor Larkspur, Marin

Mark O’Brien has earned his Certified Financial Planner® (CFP®) and Retirement Income Certified Planner® (RICP®) designations, as well as his FINRA Series 7, 66 and California Insurance licenses. Indicating high levels of education and expertise, these designations set Mark apart from other experts in the industry.

CFP

The CFP mark denotes a high level of financial planning education and expertise covering financial planning, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance topics. CFPs maintain ethical and experiential standards, passing a strict ethics review, and putting the interests of their clients’ before their own, acting “fairly and diligently” when providing financial advice and services. Services must be based on each individual client’s needs, and be delivered with objectivity and integrity. While many types of professionals call themselves “financial planners,” CFPs are among the most educated and respected in the industry. Unlike many other types of financial planners, CFP practitioners work in the context of providing their clients with overall financial plans, as opposed to providing individual products. A CFP looks at your entire financial picture, using their education and experience to take into consideration strategies for tax reduction, wealth accumulation, wealth preservation and tax-efficient wealth transfer. CFPs plan for the long-term goals of their clients, and the experience to implement, oversee and revise those plans through the years.

RICP

The RICP designation denotes an additional comprehensive, practical education for financial professionals who have earned designations such as the CFP. The RICP puts a direct focus on building retirement income plans using multiple methodologies. The RICP designation indicates that your advisor has expertise in building retirement income plans that address the many risks of retirement, legal and tax issues that can undermine a plan, as well as strategies that can be used to generate income from assets.

Comprehensive retirement income planning takes a close look at the available sources of retirement plan income, previews the Social Security claiming issue, distribution options from retirement plans, annuity products used in retirement income planning, and building retirement portfolios.

As health-care costs increase for Americans, particularly as our population is living longer, retirement income planning also addresses important decisions such as choosing appropriate Medicare and other health insurance options, addressing long-term care needs and housing decisions.

An RICP designation ensures your advisor is equipped to addresses dynamic retirement portfolio management and planning issues that arise as you age. 

This communication is strictly intended for individuals residing in the states of California and Kansas. No offers may be made or accepted from any resident outside the specific state(s) referenced.


 Securities and advisory services offered through The Strategic Financial Alliance, Inc. (SFA), member FINRA, SIPC. Mark O'Brien is a registered representative and an investment advisor representative of SFA. CA Insurance License # OF32502

Website Design For Financial Services Professionals | Copyright 2019 AdvisorWebsites.com. All rights reserved