Qualifications

"Never buy anything complicated or valuable from someone who does not understand your needs" - Philip E. Lavelle Jr.

Experience is one of Philip's core strengths.  Since 1996, Philip has been serving his clients and has extensive experience in investments, insurance, retirement planning, and estate conservation strategies.  He is a Registered Associate and an Investment Advisor Representative of Thurston Springer Financial.

Philip is a Certified Financial Planner (CFP).  CFP® practitioners must pass a comprehensive two-day, 10-hour CFP Certification Examination that tests their ability to apply their financial planning knowledge in an integrated format. Based on regularly updated research of what planners do, the CFP Board's exam covers the general principles of financial planning, insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning and estate planning.

As a final step to certification, CFP practitioners must pass an ethics review and agree to abide by the CFP Board's Financial Planning Practice Standards and a strict code of professional conduct, known as the CFP Board's Code of Ethics and Professional Responsibility. The Code of Ethics states that CFP practitioners are to act with integrity, offering professional services that are objective and based on client needs.

It is also necessary for every CFP certificant, once certified, to complete a re-certification every two years. Those seeking to maintain their certification must attain a minimum of 30 hours of continuing education in order to stay current with developments in the financial planning profession and to better serve their clients. Two of these hours must be spent studying the CFP Board's Code of Ethics and Professional Responsibility or Financial Planning Practice Standards.

As a CFP certificant, Philip is committed to providing his clients with a high quality of advice and service.