CFP Board shares information that CFP professionals have provided about their practice as well information about professionals who CFP Board has publicly disciplined or who made a bankruptcy disclosure to CFP Board, We cannot guarantee the information CFP professionals have provided is accurate or complete. You should verify the accuracy of the information.
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Professional Profile
Year CFP® Certification Received
1987
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Specialties
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Some CFP® professionals focus their business on serving the needs of specific types of clients.
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Some CFP® professionals focus their business on serving the needs of specific types of clients.
- Young Professionals
- Retirees
- Widows/Widowers
- Women
Planning Services Offered
- Estate Planning
- Elder Care
- Social Security Planning
- Comprehensive Financial Planning
- Debt Management
- Budgeting
- Retirement Income Management
- Employee and Employer Plan Benefits
- Investment Planning
- Retirement Planning
- Divorce Planning
- Inheritance
- Business Succession Planning
- Tax Planning
- Long-term Care
- Insurance Planning
- Small Business 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.
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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
- Spanish
- English
Payment Options
When hiring a CFP®️️️️️️️️ professional, it's important to ask how your advisor expects to be paid for services rendered. Different financial advisors may charge differently, or one financial advisor may offer several different ways that clients can choose to pay.
Disclosures
CFP Board Public Disciplinary History
Effective Date: 12/14/2007
In January 2008, following a hearing, Mr. Biggs entered into a settlement agreement with CFP Board pursuant to which he agreed to a suspension of his right to use the CFP® certification marks for a period of one year and one day, and consented to the findings of fact and violations of Rules103(b), 103(c), 103(d), 103(e), 201, 401(a), 401(b) and 607 of CFP Board’s Code of Ethics and Professional Responsibility. The hearing and settlement followed CFP Board’s investigation of an Agreed Order Mr. Biggs entered into with the Texas Savings and Loan Department (“TSLD”). The Commission agreed with the conclusions of the TSLD investigation and found that: 1) Mr. Biggs committed multiple violations of the Mortgage Broker License Act and TSLD Rules when he entered into transactions with persons experiencing financial distress in which they conveyed their homesteads to him with the understanding that he would permit these individuals to continue to reside in the property, subject to their agreement to pay rent, and the understanding that Mr. Biggs would reconvey the property to them at some time; 2) Mr. Biggs did not in all cases document the details of the transactions; and 3) Mr. Biggs borrowed money from third party lenders to finance his acquisition of the properties and, at the closing for the loans, had money from the closing diverted to him using business entities that he controlled. The Commission considered that Mr. Biggs cooperated with TSLD during its investigation, and had taken voluntary steps to work with the original owners to assist them in the reconveyance or appropriate resolution of the remaining transactions. The Commission also considered that TSLD imposed a suspension and a fine after its investigation. TSLD suspended Mr. Biggs’ mortgage broker license from August 1, 2005 through February 19, 2006 and fined him $7,500. Although Mr. Biggs disclosed the suspension of his mortgage license to CFP Board on a CFP® Certification Renewal Application, he failed to notify CFP Board of his professional suspension within ten calendar days as required by Article 12.2 of CFP Board’s Disciplinary Rules and Procedures. Mr. Biggs’ suspension was effective from December 14, 2007 to December 15, 2008.
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.
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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.
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Disclosure Information
Below are links to additional sources of information about CFP® professionals that may contain information that has not led to CFP Board discipline or 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 below may provide additional information if the CFP® professional is subject to the oversight of that regulator or self-regulatory agency. If the CFP® professional is not subject to their oversight, then the links will not provide access to any additional information about that person.
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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. CFP Board updates the disclosures below monthly and should be verified directly through FINRA and the SEC.
FINRA’s BrokerCheck Public Disciplinary History
Yes
SEC’s Investment Advisor Public Disciplinary History
Yes
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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.
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Visit the Office of the Comptroller of the Currency (OCC) website to search for enforcement actions against individuals who are subject to OCC oversight.
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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.