Do Licenses & Credentials Matter?
When you trust someone to coach your financial life, are credentials important?
Do fiduciary responsibility, licenses, & designations really mean anything?
We think so.
licenses
Narrative Financial Group, LLC is domiciled in Washington. We have individuals licensed to offer insurance products in Arizona, California, Georgia, Massachussets, Oregon, and Washington. We have individuals licensed to offer securities products in Arizona, California, Georgia, Oregon, Texas, and Washington. Joshua Tomeoni's CA Insurance License #0F43622.
If you live in a different state, please feel free to reach out to see if we can help, but understand we cannot give any advice until properly licensed in the correct jurisdiction.
fiduciary standard
When offering advisory services, we strive to provide an ongoing fiduciary standard of care, where we will act with the utmost good faith in our recommendations. We have an ongoing fiduciary duty to act solely in the best interest of our clients, making full and fair disclosure of all material facts and conflicts of interest. It is important to understand that this is the foundation for everything we do as Investment Adviser Representatives.
Certified Financial Planner (CFP®)
Today more than ever, CERTIFIED FINANCIAL PLANNER™ professionals are an essential resource. From budgeting, to planning for retirement, to saving for education, to managing your taxes and your insurance coverage, “finances” doesn’t mean just one thing for most Americans — and “financial planning” means much more than just investing. Bringing all the pieces of your financial life together is a challenging task. Although many professionals may call themselves “financial planners,” CFP® professionals have completed extensive training and experience requirements. They understand the complexities of the changing financial climate and know how to make recommendations.
Chartered Life Underwriter (CLU®)
The CLU designation is one of the oldest and most respected credentials in financial services, dating back to the late 1920’s. It represents a thorough understanding of a broad array of personal risk management and life insurance planning issues and stresses ethics, professionalism, and in-depth knowledge in the delivery of financial advice. With particular emphasis placed on ethics and commitment to clients, the CLU® has earned a distinguished reputation backed by security and stewardship.
CHARTERED FINANCIAL CONSULTANT (ChFC®)
Advanced financial planning for every person and every need: that is the credo of the Chartered Financial Consultant® (ChFC®) designation program. ChFC® covers a must-have list of requirements for financial advisors, from knowledge on tax and retirement planning to special needs advising, wealth management, insurance, and more.
Retirement Income Certified Professional (RICP®)
The Retirement Income Certified Professional® (RICP®) program empowers financial professionals with the knowledge they need to become experts in today's fast-growing retirement planning market. It is an extensive and intensive retirement income education that covers all retirement income styles and strategies, straight from the nation's top thought leaders. This designation specializes in estate planning techniques, portfolio assessment, personal finance best practices, health expense budget creation, home equity strategies, and more.
NaIFA
Founded in 1890, the National Association of Insurance and Financial Advisors is the oldest, largest and most prestigious association representing the interests of insurance professionals from every Congressional district in the United States. The mission of NAIFA is to advocate for a positive legislative and regulatory environment, enhance business and professional skills, and promote the ethical conduct of our members.
MDRT
Founded in 1927, Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is a global, independent association of more than 72,000 of the world's leading life insurance and financial services professionals from more than 500 companies in 70 nations and territories. MDRT members demonstrate exceptional professional knowledge, strict ethical conduct and outstanding client service. MDRT membership is recognized internationally as the standard of excellence in the life insurance and financial services business.