CFP® Practitioner Disclosure

Important Information You Need to Know

As a CFP^® Practitioner, it is important for clients and prospective clients to know that:

         I acknowledge my responsibility to adhere to the standards established in CFP Board’s Standards of Professional Conduct[1]. If you become aware that my conduct may violate the Standards, please contact my office or you may file a complaint with CFP Board[2].

         Besides being a Registered Representative and an investment advisor with Capital Analysts Incorporated, I also provide services as a licensed insurance agent and an adjunct professor. I perform these services through other contracted vendors and providers such as insurance companies.

         I am compensated for these services either through the insurance carrier or as contracted with you through a written agreement. All information related to compensation is disclosed in those documents and through those providers before the service is rendered.

         In my professional activities, I work to minimize any conflicts of interest and work in accordance with the CFP Board’s fiduciary expectations. Although, I offer a broad range of products, I do not have the ability to offer every possible investment or insurance solution in the universe of financial products.

         Although a credential may represent ethics certification and ongoing educational effort by a practitioner, no credential can guarantee the best advisor for you. Therefore, before services are engaged, you may access the professional’s FINRA CRD record (http://www.finra.org/Investors), check with state securities and insurance regulators, and contact the Better Business Bureau to verify the professional licensing and disciplinary history. To encourage complete disclosure, you may also ask for copies of these reports from my office.

         I encourage you to review the information contained in this disclosure form, and all disclosure documents received and ask me any questions that you have.

         Should any material changes occur to this information, updated information will be provided to you in a reasonable time frame.