The Alliance of Comprehensive Planners (ACP) is the community of tax-focused financial planners that operate under the retainer model. This not-for-profit organization trains its members in the ACP System™, an extensive program based on the highest ethical standards and most innovative practices in the financial planning industry. As fee-only fiduciary financial planners using the retainer model for compensation, ACP members provide a distinct alternative in the marketplace. To assure that their clients’ financial plans are comprehensive, they consider not only interest-earning, real estate and equity investments, but also the tax consequences that can impact or be impacted by investment and financial strategies. ACP member advisors optimize the use of assets for tax efficiency, growth and security to ensure their clients’ goals are achieved, and maintain their CFP® or CPA/PFS (or equivalent) designation and/or licenses. For more information, visit www.acplanners.org.
ACP members are best known for offering an open-retainer agreement. You pay one annual fee and receive ongoing access to your advisor throughout the year. This open communication is critical to achieving your financial goals.
ACP’s Functional Asset Allocation. The premise of this revolutionary approach is that each asset category serves an important function or purpose in people's lives and that understanding these unique functions allows the use of assets to be optimized. Real estate, in the form of the personal residence, is a prime example. While it can be the largest investment a family has, provides the best protection against inflation, and adds value beyond a financial calculation because of the personal enjoyment derived from its use, most money managers do not include it when constructing an asset allocation strategy.
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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