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
1989
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View Current Certificate
Planning Services Offered
- Insurance Planning
- Comprehensive Financial Planning
- Investment Planning
- Estate Planning
- Retirement 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: 11/5/2013
In August 2013, following a review by CFP Board’s Disciplinary and Ethics Commission, CFP Board issued a Letter of Admonition to Mr. Tuve. This discipline followed CFP Board’s investigation of a grievance filed against Mr. Tuve alleging that he churned a client’s insurance policy by recommending an unnecessary 1035 exchange and engaged in other improprieties with regard to the 1035 exchange transaction. Mr. Tuve initially recommended that the client purchase an insurance policy in 1987. The policy was due to mature in 2019. In 2002, Mr. Tuve recommended that the client perform a 1035 exchange because the 1987 policy was in danger of lapsing. The grievance alleged that Mr. Tuve pressured the client into signing documents for the 1035 exchange and that the exchange was inappropriate for the client. The Commission determined that the 1035 exchange was supported by the client’s need and that Mr. Tuve had documented the need for the exchange. The Commission also determined that Mr. Tuve: 1) dated illustrations for the 1035 exchange of a life insurance policy without the client being present and for a date that was not the date Mr. Tuve met with the client; and 2) Mr. Tuve should have discussed other options with the client to stop the 1987 policy from lapsing and documented the discussion of those options. The Commission determined that Mr. Tuve’s conduct violated Rules 102, 201, 202, 406, 606(a), 606(b) and 607 of CFP Board’s Code of Ethics and Standards 400-1, 400-2 and 400-3 of CFP Board’s Financial Planning Practice Standards, providing grounds for discipline pursuant to Articles 3(a) and 3(b) of CFP Board’s Disciplinary Rules and Procedures. The Commission determined to deviate from the Sanction Guidelines because Mr. Tuve had no prior disciplinary history, and his dating of the documents was based on his reasonable belief that he had implied authority to date the documents. Accordingly, the Commission admonished Mr. Tuve with regard to the above-mentioned conduct.
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.