Securities and investment advisory services offered through Woodbury Financial Services Group member FINRA/SIPC. FTG is separately owned and other entities and/or marketing names, products or services referenced here are independent of FTG. FTG does not provide tax or legal advice.
FTG Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states (registrations vary by individual representative): AL, AZ, CA, CT, FL, GA, IN, KY, MA, MD, ME, MI, NH, NJ, NY, OH, OK, PA, SD, TX and WI.
PLEASE NOTE: When you link to any of the websites displayed within this website, you are leaving this website and assume total responsibility and risk for your use of the website you are linking to. We make no representation as to the completeness or accuracy of any information provided at these websites.
All written content on this site is for information purposes only and is provided “AS IS” and Financial Transformation Group (referred to as “FTG”) disclaims all warranties, express or implied, to the fullest extent permissible pursuant to applicable laws, including, but not limited to, implied warranties of merchantability, non-infringement and suitability for a particular purpose. Opinions expressed herein are solely those of unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.
None of the information provided on this website is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information is at your sole risk. Under no circumstances shall FTG be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if FTG or a FTG authorized representative has been advised of the possibility of such damages. In no event shall Financial Transformation Group have any liability to you for damages, losses and causes of action for accessing this site. Information on this website should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.
Financial Transformation Group (“FTG”) is a registered investment adviser offering advisory services in the State(s) of Florida and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. To reiterate, the presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by FTG in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.
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 71,000 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 6 hours, 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.
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You do not have to give us personal information to visit our web sites. If you choose to provide us with additional information about yourself through an e-mail message, form, survey, use of Ecommerce, etc., we will only maintain the information as long as needed to fulfill the stated purpose of the communication. We protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input. Only the last four digits of your credit card information is used when confirming an order. Of course, we transmit the entire credit card number to the appropriate credit card company during order processing.
Except for authorized law enforcement investigations, no attempt is made to identify individual users or usage patterns. We do not give, share, sell or transfer any personal information to a third party.
For site security purposes and to ensure that this service remains available to all users, we may employ software programs to monitor traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage. In the event of authorized law enforcement investigations, and pursuant to any required legal process, information from these sources may be used to help identify an individual.