Mr. Christopher M Dowden

Harger and Company, Inc.

http://www.hargerandcompany.com
(225) 767-7228

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professional profile

Year CFP® Certification Received

2008 | view current certificate

Planning Services Offered

Comprehensive Financial Planning
Insurance Planning
Estate Planning
Investment Planning
Retirement Planning

Your Minimum Investable Assets
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Investable assets are what you own that can easily be turned into cash and invested, such as bank accounts, stocks, mutual funds and bonds. Some financial advisors – especially those who charge clients a percentage of the assets under their management – require their clients to have a minimum amount of investable assets.

$100,000

Languages

English

Disclosures

CFP Board Public Disciplinary History

Effective Date: 3/25/2020

C. Michael Dowden (Baton Rouge): In March 2020, the Disciplinary and Ethics Commission (Commission) and Mr. Dowden entered into a settlement agreement in which Mr. Dowden agreed that CFP Board would issue a 60-day suspension of his right to use the CFP® certification marks. In the settlement agreement, Mr. Dowden consented to findings that he altered variable annuity exchange forms to supply dates for undated customer signatures using the date on which he had approved each transaction, causing his firm to create and maintain inaccurate books and records. Mr. Dowden also consented to a finding that the Financial Industry Regulatory Authority, Inc. (FINRA) found in a 2019 Letter of Acceptance, Waiver and Consent (AWC) that his conduct violated FINRA Rule 4511, and its predecessor NASD Rule 3110, which require FINRA members to make and preserve accurate books and records, and FINRA Rule 2010, which requires registered representatives to observe high standards of commercial honor and just and equitable principles of trade. As part of the AWC, Mr. Dowden consented to a suspension for two months and a fine of $10,000. Additionally, Mr. Dowden consented to findings that he failed to notify CFP Board in writing of his FINRA suspension within 30 calendar days after the date on which he was notified of the suspension. Pursuant to the settlement agreement, Mr. Dowden also consented to findings that his conduct violated Rules 4.3, 4.5, 5.1, 6.1, and 6.4 of the Rules of Conduct, providing grounds for discipline pursuant to Articles 3(a) and 3(d) the Disciplinary Rules and Procedures. Accordingly, the Commission issued to Mr. Dowden a suspension for 60 days. The suspension was effective from March 25, 2020 until May 25, 2020.

Disclosure Under CFP Board’s Prior Bankruptcy Disclosure Procedures
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Until June 30, 2020, CFP Board made public disclosures about CFP® professionals who had filed a personal or business bankruptcy. These were disclosures and not disciplinary actions or sanctions. These disclosures stay on CFP Board’s website for 10 years. There are more details below on this page.

Disclosure Information

CFP Board makes available information that a CFP® professional has provided about his or her practice. CFP Board also provides information about any CFP® professional that CFP Board has publicly disciplined or any professional who made a bankruptcy disclosure to CFP Board (more details about bankruptcy below). We cannot guarantee the information the CFP® professional has provided is accurate or complete. You should verify the accuracy of the information yourself.

While the information on this website may be useful to you, there may be more information from other sources you will need or want. Provided below are links to other sources of information about CFP® professionals that may be more recent or that may contain information that has not led to CFP Board discipline and does not appear on CFP Board’s website. The information may include customer disputes, disciplinary actions taken by a regulator or employer, certain criminal matters, and certain financial matters (such as bankruptcy proceedings and unpaid judgments or liens). The links provided below may provide additional information only if the CFP® professional is subject to the oversight of that regulator or SRO. If the CFP® professional is not subject to their oversight, then the link will not provide access to any additional information about that person.

You can find information about CFP® professionals who are subject to Financial Industry Regulatory Authority (FINRA) or Securities and Exchange Commission (SEC) oversight through FINRA’s BrokerCheck and the SEC’s Investment Adviser Public Disclosure databases. Both are free tools you can use to conduct research.
Visit your state securities regulator’s website for more information about brokers and investment advisers and your state insurance department website for more information about insurance professionals.
Visit the Office of the Comptroller of the Currency (OCC) website to search for enforcement actions against individuals who are subject to OCC oversight.
Conduct an Internet search on the CFP® professional’s name (and business name).

About Bankruptcies

Effective June 30, 2020, CFP Board may publicly sanction a CFP® professional for a personal or business bankruptcy that violates CFP Board’s Code of Ethics and Standards of Conduct. (There is no violation if the CFP® professional can make a case that the bankruptcy does not reflect on the professional’s ability to responsibly manage his or her own financial affairs or the financial affairs of the business.) You can find public sanctions in the “CFP Board Public Disciplinary History.” Under the “Prior Bankruptcy Disclosure Procedures” that applied from July 2012 – June 2020, CFP Board published information about a CFP® professional’s verified single bankruptcy in a press release and on CFP Board’s website. These were disclosures, not discipline or sanctions, and remain on CFP Board’s website for 10 years. You may learn more about the disclosure procedures here. You can learn more information about a bankruptcy filing at the U.S. Court’s website. You will be required to register and pay a nominal fee to view the information on that website.