Financial Planning Coalition Call to Action Financial Planner Oversight Board. Live Webinar Broadcast October 19, :30 p.m. 3:30 p.m.
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1 Financial Planning Coalition Call to Action Financial Planner Oversight Board Live Webinar Broadcast October 19, :30 p.m. 3:30 p.m. 1
2 Presenters FP Coalition Board Chairs Richard Salmen, FPA Marilyn Capelli Dimitroff, CFP Board Bill Baldwin, NAPFA FP Coalition Policy and Government Relations Staff Dan Barry, FPA Marilyn Mohrman-Gillis, CFP Board Nancy Hradsky, NAPFA 2
3 A Unique Opportunity Period of Landmark Financial Regulatory Reform Strong Focus on Closing Gaps and Protecting Consumers 15-Year Struggle to Gain Recognition of Financial Planners The Time to Act is Now! 3
4 Agenda What Is the Problem? What Is the Solution? Why Is the Timing Critical? What Can I Do? 4
5 Problem Financial Planning is unregulated as a profession Anyone can claim to be a financial planner, regardless of their qualifications Financial planners often maintain up to 3 different licenses investment adviser, brokerage, and insurance to provide comprehensive advice Consumers believe they are receiving unbiased advice, which is too frequently not the case Consumers are confused by misleading titles that imply the advisor is capable of providing comprehensive financial advice 5
6 Financial Planning Coalition Formed in November 2008 to have a united voice in financial services reform Three Members: CFP Board, FPA, and NAPFA Statement of Understanding FP services are delivered to the public with fiduciary accountability and transparency, serving the client s best interests first and always FP services are regulated to distinguish and differentiate professionals who have met competency and ethical standards Public can easily identify financial planners subject to these standards Public views FP as a legitimate and accepted profession 6
7 Coalition Proposal Create a professional oversight board that would regulate the delivery of financial planning services, subject to SEC oversight Require those who provide financial planning services to individuals or who hold themselves out as financial planners to register with the board Establish baseline competency, practice, and ethics standards Establish a fiduciary standard of care, as applied under the Investment Advisers Act of
8 Financial Planner Oversight Board Selected by and subject to SEC oversight Non-profit, non-membership organization Governed by a majority public board FINRA not eligible Functions of oversight board Establish competency, practice, and ethics standards Establish fiduciary standard of care and disclosure requirements Establish investigation, enforcement, and sanction provisions 8
9 Financial Planner Oversight Board Require registration of financial planners Financial planner defined Perform financial planning services; OR Hold out as a financial planner (or similar term) Must be an investment adviser representative to register Exempt other regulated professions (who act within their regulated activities) Lawyers, accountants, teachers Registered representatives of B/Ds Investment adviser representatives Insurance agents 9
10 Financial Planner Oversight Board Balances state-federal authority States retain anti-fraud authority States retain existing authority to regulate IARs States precluded from regulating financial planners registered by the oversight board Exception: IARs who manage money 10
11 Why Timing is Critical The House Financial Services Committee will consider the Investor Protection Act shortly We are advocating the creation a professional oversight board for financial planners under the authority of the Securities and Exchange Commission Contact your Representative on the House Financial Services Committee and convey your support for a professional oversight board for financial planners Committee Members must hear from us before the vote! 11
12 What You Can Do We are only targeting members of the House Committee on Financial Services at this point Visit FinancialPlanningCoalition.com to review the issues Contact members of the Committee to express your individual support for an amendment to regulate financial planners Sample letters are available on the Coalition s Web site FPA and CFP Board members can send s or letters directly from their organization s Web site 12
13 What You Can Do Call any personal contacts you have with Committee Members or staff Ask your clients to call their U.S. Representative Do you have a blog or Web site? Direct your clients to: Encourage other financial planners in your area to get involved 13
14 What You Can Do FPA Chapter Leaders & NAPFA Study Group Leaders Send an official letter from your chapter Call any contacts you have with Committee Members or staff and call members of your chapter to encourage their involvement 14
15 How to Act: FPA Members 15
16 How to Act: CFP Certificants 16
17 How to Act: NAPFA Members 17
18 House Committee on Financial Services AL Spencer Bachus (202) CA Joe Baca (202) CA John Campbell (202) CA Kevin McCarthy (202) CA Gary G. Miller (202) CA Edward R. Royce (202) CA Brad Sherman (202) CA Jackie Speier (202) CA Maxine Waters (202) CO Ed Perlmutter (202) CT Jim Himes (202) DE Michael N. Castle (202) FL Alan Grayson (202) FL Ron Klein (202) FL Suzanne Kosmas (202) FL Bill Posey (202) FL Adam Putnam (202) GA Tom Price (202) GA David Scott (202) ID Walt Minnick (202) IL Melissa L. Bean (202) IL Judy Biggert (202) IL Bill Foster (202) IL Luis V. Gutierrez (202) IL Donald A. Manzullo (202) IN Andre Carson (202)
19 House Committee on Financial Services IN Joe Donnelly (202) KS Lynn Jenkins (202) KS Dennis Moore (202) MA Barney Frank, Chair (202) MA Michael Capuano (202) MA Stephen F. Lynch (202) MI Thaddeus McCotter (202) MI Gary C. Peters (202) MN Michele Bachmann (202) MN Keith Ellison (202) MN Eric Paulsen (202) MO Wm. Lacy Clay (202) MO Emanuel Cleaver II (202) MS Travis Childers (202) NC Walter B. Jones, Jr (202) NC Patrick T. McHenry (202) NC Brad Miller (202) NC Melvin L. Watt (202) NH Paul W. Hodes (202) NJ John Adler (202) NJ Scott Garrett (202) NJ Leonard Lance (202) NY Gary L. Ackerman (202) NY Peter King (202) NY Christopher Lee (202) NY Dan Maffei (202)
20 House Committee on Financial Services NY Carolyn B. Maloney (202) NY Carolyn McCarthy (202) NY Gregory W. Meeks (202) NY Nydia M. Velazquez (202) OH Steve L. Driehaus (202) OH Mary Jo Kilroy (202) OK Frank D. Lucas (202) OK Charles Wilson (202) PA Jim Gerlach (202) PA Paul E. Kanjorski (202) SC J. Gresham Barrett (202) TX Al Green (202) TX Jeb Hensarling (202) TX Ruben Hinojosa (202) TX Kenny Marchant (202) TX Randy Neugebauer (202) TX Ron Paul (202) WI Gwen Moore (202) WV Shelley Moore Capito (202)
21 Resources To learn more about the Coalition s proposal, visit the Financial Planning Coalition s Web site: FinancialPlanningCoalition.com If you have questions, please contact: Dan Barry, FPA, dan.barry@fpanet.org Nancy Hradsky, NAPFA, hradskyn@napfa.org Marilyn Mohrman-Gillis, CFP Board, mmohrman-gillis@cfpboard.org Grassroots contacts Jennifer Rudolph, jennifer.rudolph@fpanet.org Eddy Demirovic, edemirovic@cfpboard.org 21
22 Questions? 22
23 Financial Planning Coalition Call to Action Financial Planner Oversight Board Live Webinar Broadcast October 19, :30 p.m. 3:30 p.m. 23
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