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.
Jump to:
Professional Profile
Year CFP® Certification Received
1993
|
View Current Certificate
Planning Services Offered
- Retirement Planning
- Tax Planning
- Investment Planning
- Estate Planning
- Comprehensive Financial Planning
Languages
- 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: 1/20/2023
In December 2022, the Disciplinary and Ethics Commission (Commission) issued an order in which Mr. Doherty received a Public Censure. The Commission determined that Mr. Doherty violated Rule 3.7 of the Rules of Conduct, which provides that a certificant shall not lend money to a client, and Rule 4.3 of the Rules of Conduct, which requires a certificant to be compliant with applicable regulatory requirements governing professional services to a client. From March 3, 2017, through April 2, 2018, Mr. Doherty loaned a total of $38,900 to clients when he transferred funds from his personal account to his clients’ accounts. The clients were not members of Mr. Doherty’s immediate family, nor did Mr. Doherty work for an institution in the business of lending money. Furthermore, Mr. Doherty entered into a Consent Order with the State of Massachusetts, Securities Division, wherein he agreed that he failed to fulfill an independent verification requirement of the assets under his custody and loaned funds to his clients in violation of § 203(a) and § 204(a)(2)(G) of the Mass. Gen. Laws Ch. 110A. Pursuant to the Massachusetts Consent Order, Mr. Doherty agreed to a $10,000 fine, to cease and desist from violations of Massachusetts Regulations, and to engage an accountant to conduct an independent audit of all accounts for which his firm had custody. Accordingly, the Commission issued to Mr. Doherty an Order of Public Censure.
Disclosure Under CFP Board’s Prior Bankruptcy Disclosure Procedures
Toggle Tooltip
Close Tooltip
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.
Close Tooltip
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.
None
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.
-
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
-
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.