Components Of International Compensation program For assignmentBiswasbusiness.com
Components Of International Compensation program
this is the basic knowledge for peoples.......................Improve organizational and employee productivity without increasing base pay fixed costs using incentive programs that organize improvements in employees, work unit, and organizational performance.
Increasing organizational productivity is one of the hottest current topics in executive suites. Managers know that simply paying employees more will not result in increased output and improved quality.
All employees now recognize the importance of cooperative effort and the need to improve quantity and quality of organizational output.
Components Of International Compensation program For assignmentBiswasbusiness.com
Components Of International Compensation program
this is the basic knowledge for peoples.......................Improve organizational and employee productivity without increasing base pay fixed costs using incentive programs that organize improvements in employees, work unit, and organizational performance.
Increasing organizational productivity is one of the hottest current topics in executive suites. Managers know that simply paying employees more will not result in increased output and improved quality.
All employees now recognize the importance of cooperative effort and the need to improve quantity and quality of organizational output.
La Superintendencia de Competencia con el apoyo del Programa de “Fortalecimiento de
Instituciones y Capacidades en el Área de Políticas de Competencia y Protección del Consumidor” (COMPAL) auspiciado por el Gobierno Suizo y la Conferencia de las Naciones Unidas para el Comercio y el Desarrollo (UNCTAD) y con la cooperación de las autoridades de Competencia de España y Chile, realizó este día el seminario “El Rol del Órgano Judicial en el Derecho de
Competencia” dirigido al Órgano Judicial, evento que fue inaugurado por el Presidente de la Corte Suprema de Justicia, Dr. Agustín García Calderón, informó la Superintendenta de Competencia, Lic. Celina Escolán.
Por primera vez en Latinoamérica, El Salvador será la sede del llamado “Cartel
Workshop”, evento con el que la Red Internacional de Competencia Económica (RICE) (ICN, por sus siglas en inglés), reúne a expertos en competencia de las diferentes
agencias de competencia del mundo, para discutir sobre las herramientas esenciales
en la investigación de carteles.
La Superintendencia de Competencia (SC) de El Salvador ha recibido el recurso de
revisión presentado por las distribuidoras eléctricas, a raíz de la sanción que el
Consejo Directivo de la SC aplicó a CAESS, AES-CLESA y DELSUR, por cometer
prácticas anticompetitivas en el mercado de distribución y comercialización
eléctrica, al impedir la entrada de nuevos competidores: EDESAL, B&D y
ABRUZZO.
El Consejo Directivo (CD) de la Superintendencia de Competencia (SC) confirmó las sanciones impuestas a MOLSA y HARISA por repartirse cuotas en el mercado de harinas.
La Superintendencia de Competencia (SC) participa en la segunda reunión de coordinación centroamericana para el Acuerdo de Asociación entre Centroamérica y la Unión Europea (UE).
Benefits of CFP for you:
1. Financial Advisors/Consultant
2. Working Professionals in Finance Industry:
3. Working Professionals from non- finance industry
4. Students pursuing MBA or other PG programs
5. Graduates/Under graduates
La Superintendencia de Competencia con el apoyo del Programa de “Fortalecimiento de
Instituciones y Capacidades en el Área de Políticas de Competencia y Protección del Consumidor” (COMPAL) auspiciado por el Gobierno Suizo y la Conferencia de las Naciones Unidas para el Comercio y el Desarrollo (UNCTAD) y con la cooperación de las autoridades de Competencia de España y Chile, realizó este día el seminario “El Rol del Órgano Judicial en el Derecho de
Competencia” dirigido al Órgano Judicial, evento que fue inaugurado por el Presidente de la Corte Suprema de Justicia, Dr. Agustín García Calderón, informó la Superintendenta de Competencia, Lic. Celina Escolán.
Por primera vez en Latinoamérica, El Salvador será la sede del llamado “Cartel
Workshop”, evento con el que la Red Internacional de Competencia Económica (RICE) (ICN, por sus siglas en inglés), reúne a expertos en competencia de las diferentes
agencias de competencia del mundo, para discutir sobre las herramientas esenciales
en la investigación de carteles.
La Superintendencia de Competencia (SC) de El Salvador ha recibido el recurso de
revisión presentado por las distribuidoras eléctricas, a raíz de la sanción que el
Consejo Directivo de la SC aplicó a CAESS, AES-CLESA y DELSUR, por cometer
prácticas anticompetitivas en el mercado de distribución y comercialización
eléctrica, al impedir la entrada de nuevos competidores: EDESAL, B&D y
ABRUZZO.
El Consejo Directivo (CD) de la Superintendencia de Competencia (SC) confirmó las sanciones impuestas a MOLSA y HARISA por repartirse cuotas en el mercado de harinas.
La Superintendencia de Competencia (SC) participa en la segunda reunión de coordinación centroamericana para el Acuerdo de Asociación entre Centroamérica y la Unión Europea (UE).
Benefits of CFP for you:
1. Financial Advisors/Consultant
2. Working Professionals in Finance Industry:
3. Working Professionals from non- finance industry
4. Students pursuing MBA or other PG programs
5. Graduates/Under graduates
Exploring Career Paths After Certified Financial Analyst TrainingMindCypress .
Discover diverse career opportunities after Certified Financial Analyst training, including roles in investment banking, portfolio management, financial consulting, risk management, and corporate finance.
Resource: https://www.mindcypress.com/blogs/finance-accounting/exploring-career-paths-after-certified-financial-analyst-training
Turn your activities into credits that over 17,000 CERTIFIED FINANCIAL PLANNER professionals and 1,200 FPSC Level 1™ Certificants in Financial Planning need.
NO1 Uk Rohani Baba In Karachi Bangali Baba Karachi Online Amil Baba WorldWide...Amil baba
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
NO1 Uk Black Magic Specialist Expert In Sahiwal, Okara, Hafizabad, Mandi Bah...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
1. Page 1 of 2
Ameriprise Financial
Chris Winn, CFP®
1500 NW Bethany Blvd #280
Beaverton, OR 97006
503-439-1880
christopher.k.winn@ampf.com
What Is a CERTIFIED FINANCIAL PLANNER™ Professional?
A CERTIFIED FINANCIAL How is a CFP® professional compensated?
PLANNER™ professional or a
CFP® practitioner is a financial Typically, financial planners earn their living either from com-
professional who meets the missions or by charging hourly or flat rates for their services. A
requirements established by CFP® professional may use a combination fee-and-
the Certified Financial Planner commission structure: you pay a fee for development of a fi-
Board of Standards, Inc. While nancial plan or for other services provided by the CFP® profes-
others may call themselves sional, who also receives a commission from selling you prod-
financial planners, only those who demonstrate the requisite ucts. A commission is a fee paid whenever someone buys or
experience, education, and ethical standards are awarded the sells a stock or other investment, or when someone buys in-
CFP® mark. surance (such as health, life, or long-term care insurance) or
annuities.
What are the requirements? When calculating the cost to employ the services of a financial
®
In order to obtain the CFP mark, an applicant must: planner, consider fees, commissions, and related expenses,
such as transaction fees and management fees related to the
• Hold a bachelor's degree from an products he or she recommends.
accredited college or
university While others may How can a CFP® professional help you?
®
• Complete a CFP call themselves
A CFP® professional can help you create a personal budget,
Board-registered education financial planners,
control expenses, and develop and implement plans for retire-
program only those who
ment, education, and/or wealth protection. A CFP® profes-
• Pass the 10-hour CFP® demonstrate the
sional can offer expertise in risk management, including strate-
certification exam requisite
gies involving life and long-term care insurance, health insur-
experience,
• Have at least three years of ance, and liability coverage. He or she often can help with your
education, and
qualifying full-time work tax planning or manage your asset portfolio based on your
ethical standards
experience in financial planning goals.
are awarded the
• Pass a professional fitness CFP® mark. Specifically, a CFP® professional can help you:
standards and background • Establish financial and personal goals and create a plan
check to achieve them
Once appointed, a CFP® professional must meet continuing • Evaluate your financial well-being with a thorough analy-
education requirements every other year in order to maintain sis of your assets, liabilities, income, taxes, investments,
the certification. and insurance
• Identify areas of concern and help you address them by
What does a CFP® professional do? developing and implementing a financial plan that
A CFP® professional is trained to develop and implement com- emphasizes your financial strengths while reducing your
prehensive financial plans for individuals, businesses, and financial weaknesses
organizations. He or she has the knowledge and skills to ob-
• Review your plan periodically to accommodate your
jectively assess your current financial status, identify potential
changing personal circumstances and financial goals
problem areas, and recommend appropriate options. You're
also working with someone who's demonstrated expertise in How to choose a CFP® professional
multiple areas of financial planning, including income and es-
tate tax, investment planning, risk management, and retire- Selecting a CFP® professional is like choosing a doctor for
ment planning. your financial health. Working with a CFP® professional in-
volves sharing very personal information and you will want to
See disclaimer on final page July 23, 2009
2. Ameriprise Financial Page 2 of 2
feel comfortable with the professional you've chosen. He or broker-dealer? Who is it?
she should be knowledgeable, have integrity, and demonstrate
a commitment to the highest ethical standards in the industry. • Does your practice concentrate in a particular area? What
Also, a CFP® professional may offer services to a particular types of clients do you work with?
clientele, such as small business owners, corporate execu- • What type of products and services do you offer? Are you
tives, or retirees, so be sure the planner you select works with limited as to the products and services you can offer me?
people whose interests and goals are similar to yours.
• How are you compensated for your services? Do you re-
Before you choose A CFP® professional agrees to ceive a commission for products you may sell to me?
someone to work with, adhere to a strict code of
ask around. You may professional conduct • Have you ever been disciplined by any government board
know a family member, described in the CFP Board's or regulatory agency?
friend, or colleague who Code of Ethics and
has worked with some- Professional Responsibility. Is a CFP® professional right for you?
one they'd recommend. You can review the Code of The financial world has become a very complex place. Even if
Also, be prepared to Ethics at www.cfp.net. you're used to handling your own financial affairs, the time
interview the prospec-
may be right to consult a CFP® professional who can review
tive CFP® professional. At your meeting, request a copy of
your financial health and offer suggestions that may help you
form ADV or the comparable state form. A CFP® professional
reach your financial goals.
who offers investment advice for a fee is required to file form
ADV with the U.S. Securities and Exchange Commission For example, are you familiar with all the different investment
(SEC) or with the state of residence of the CFP® professional opportunities that might be available to you? Are you on track
(although some exceptions apply). Form ADV contains infor- to meet your financial goals such as saving for your child's
mation about the professional's education, business, discipli- college education, securing enough income for a comfortable
nary history, services offered, fees charged, and investment retirement, or protecting your assets against risks and
strategies. In addition to form ADV, ask for the disclosure lawsuits? A CFP® professional can offer the analysis you need
document that contains other important information regarding to help answer these and other important financial questions.
the CFP® professional. Even if you don't ask for the disclosure
document, it must be provided to you at the time you enter into The following sites offer more information about
an agreement for services, or soon thereafter. Read the disclo- CERTIFIED FINANCIAL PLANNER™ certificants:
sure document carefully as well as any written agreements • The Certified Financial Planner Board of
you enter into. Standards, Inc., (www.cfp.net)
• The Financial Industry Regulatory Authority,
Questions to ask (www.finra.org)
Here are some questions you may want to ask a CFP® profes- • The Securities and Exchange Commission,
sional to help you find the right planner for you: (www.sec.gov)
• What is your education? What schools did you attend and
what degrees have you earned?
Note: Certified Financial Planner Board of Standards Inc.
• What licenses do you hold? Are you registered with the owns the certification marks CFP® , CERTIFIED FINANCIAL
SEC, FINRA, or the state? PLANNER™ and federally registered CFP (with flame design)
in the U.S., which it awards to individuals who successfully
• Are you affiliated with any professional groups or complete CFP Board’s initial and ongoing certification
organizations? Do you execute securities trades through a requirements.
Disclosure Information -- Important -- Please Review
The information contained in this material is being provided for general education purposes and with the understanding that it is not intended to be
used or interpreted as specific legal, tax or investment advice. It does not address or account for your individual investor circumstances. Investment
decisions should always be made based on your specific financial needs and objectives, goals, time horizon and risk tolerance.
The information contained in this communication, including attachments, may be provided to support the marketing of a particular product or service.
You cannot rely on this to avoid tax penalties that may be imposed under the Internal Revenue Code. Consult your tax advisor or attorney regarding
tax issues specific to your circumstances.
Neither Ameriprise Financial Services, Inc. nor any of its employees or representatives are authorized to give legal or tax advice. You are encouraged
to seek the guidance of your own personal legal or tax counsel. Ameriprise Financial Services, Inc. Member FINRA and SIPC.
The information in this document is provided by a third party and has been obtained from sources believed to be reliable, but accuracy and
completeness cannot be guaranteed by Ameriprise Financial Services, Inc. While the publisher has been diligent in attempting to provide accurate
information, the accuracy of the information cannot be guaranteed. Laws and regulations change frequently, and are subject to differing legal
interpretations. Accordingly, neither the publisher nor any of its licensees or their distributees shall be liable for any loss or damage caused, or alleged
to have been caused, by the use or reliance upon this service.
Prepared by Forefield Inc., Copyright 2009
July 23, 2009