Disclaimers
Disclaimers:
Oxford Financial Group, Ltd. is a Registered Investment Advisor (RIA) registered with the Securities and Exchange Commission and is headquartered in Carmel, Indiana. Registration does not imply a certain level of skill or training. For more information about our firm, or to receive a copy of our disclosure Form ADV and Privacy Policy, call 800.722.2289 or contact us at info@ ofgltd.com. Aspirational investing involves a high degree of risk. Clients should be able to bear a significant or complete loss of their initial investment. Aspirational investments will likely be illiquid. Clients will not have access to their funds invested for an extended number of years. Past performance is not a guarantee of future results. Investors must be able to bear significant risk, volatility and illiquidity. Investors must be able to bear a significant or complete loss of their investment. The Oxford Outcome Based Investing® approach does not guarantee that clients will meet their investment goals and objectives. Prior or expected returns of various investments and asset classes are not a guarantee of future results. The information contained in this report is confidential and proprietary to Oxford and is provided solely for use by Oxford clients and prospective clients. The opinions expressed are those of Oxford Financial Group, Ltd. The opinions are as of date of publication and are subject to change due to changes in the market or economic conditions and may not necessarily come to pass. The information in this presentation is for educational and illustrative purposes only and does not constitute investment, tax or legal advice. Tax and legal counsel should be engaged before taking any action.
Educational Degree and Professional Designation Disclaimers:
A Master of Accounting (MAcc) is a graduate-level degree that prepares students for upper-level accounting positions. The program provides students with a detailed understanding of accounting in areas such as data analytics, corporate taxation and information systems. Chartered Financial Analysts® (CFA®) are licensed by the CFA® Institute to use the CFA® mark. CFA® certification requirements: hold a bachelor’s degree from an accredited institution or have equivalent education or work experience, successful completion of all three exam levels of the CFA® Program, have 48 months of acceptable professional work experience in the investment decision-making process and fulfill society requirements, which vary by society. Unless you are upgrading from affiliate membership, all societies require two sponsor statements as part of each application; these are submitted online by your sponsors. The Certified Public Accountant (CPA) is the statutory title of qualified public accountants in the US who have passed the Uniform Certified Public Accountant Examination and have met additional state education and experience requirements. Certification is administered by each state. The Certified Anti-Money Laundering Specialist (CAMS®) is a professional credential, considered a global benchmark for professionals working in the anti-money laundering (AML) field. To earn the CAMS® certification, professionals must pass a proctored exam. Being CAMS-certified distinguishes professionals as an authority on AML and counter-terrorist financing. The Master of Business Administration (MBA) is a graduate level degree providing theoretical and practical training for business or investment management. The Master of Science (MSc) is a graduate level degree which concentrates on the core elements of economic theory, macroeconomics and econometrics. The extensive use of mathematics is intended as a tool in order to facilitate analysis, with the primary objective of the program being the provision of a formal training in, and in-depth understanding of, core economic models and methods. The Certified Wealth Strategist® (CWS®) designation is awarded by the Cannon Financial Institute to candidates who demonstrate competency in the wealth management field and the issues that may face high net-worth clients. Candidates must have three years of experience in the financial services industry that must also include direct interaction with clients and a 4-year degree from an accredited school. Candidates must complete two training sessions, self-study on wealth management issues and a capstone project, followed by ten mastery exams. The CWS® is required to complete 33 hours of continuing education every two years. CERTIFIED FINANCIAL PLANNER™ professionals are licensed by the CFP Board to use the CFP® mark. CFP® certification requirements include: bachelor’s degree from an accredited college or university, completion of the financial planning education requirements set by the CFP Board (www.cfp.net), successful completion of the CFP® Certification Exam, comprised of two three-hour sessions, experience requirement: 6,000 hours of professional experience related to the financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements, successfully pass the Candidate Fitness Standards and background check, agree annually to be bound by CFP Board’s Standards of Professional Conduct and complete 30 hours of continuing education every two years, including two hours on the Code of Ethics and Standards of Professional Conduct. The Juris Doctor (JD) is a graduate degree in law. Certified Private Wealth Advisor® (CPWA®) certification is an advanced professional certification for advisors who serve high-net-worth clients. The CPWA® certification program takes a holistic and multidisciplinary approach and is designed for seasoned professionals who seek the latest, most advanced knowledge and techniques to address the sophisticated needs of clients with a minimum net worth of $5 million. CPWA® certified professionals are required to complete and report a minimum of 40 credit-hours of continuing education within a 2-year period. At least two of those 40 credit-hours must be dedicated to ethics. As of January 1, 2020, certificants are also required to dedicate at least one of those 40 credit-hours towards tax or regulatory topics. The Certified Exit Planning Advisor (CEPA®) Program is a five-day executive MBA-style program that trains and certifies qualified professional advisors in the field of exit planning. The Master of Jurisprudence (MJ) in Corporate and Business Law is a program for those who seek graduate-level training in legal analysis and regulatory compliance and ethics in a corporate, business, nonprofit or government environment. The Certified Regulatory Compliance Manager (CRCM) is a certification that the American Bankers Association awards. To achieve the CRCM, candidates must pass an exam that covers: regulator and auditor compliance management, governance and oversight, compliance monitoring, management of compliance risk, regulatory change management, compliance analysis and reporting. To maintain the CRCM, individuals must follow the code of ethics and complete 60 hours of continuing education every three years. The Wealth Management SpecialistSM (WMSSM) program, is a designation program for financial professionals. This program provides new advisors with a substantial overview of the most critical concepts in financial planning and wealth management, without the rigors of the CFP® certification or a more comprehensive professional designation. The Chartered Alternative Investment Analyst (CAIA) designation is a professional designation offered by the CAIA Association. CAIA designation is the globally-recognized credential for professionals managing, analyzing, distributing or regulating alternative investments. Candidates must complete a course of study and pass two examinations. CAIA designees are required to maintain membership in the CAIA Association and adhere to professional and ethical standards. The Professional Risk Manager (PRM™) designation is a globally recognized, graduate-level risk management credential offered by PRMIA. The PRM™ program is a series of four certification exams, designed to measure the knowledge of professional risk managers and ensure they meet a specific performance standard in their profession. PRM™ designation holders are required to submit 20 Continued Risk Learning (CRL) credits annually to maintain the PRM™ designation and remain a PRMIA sustaining member. The Master of Science in Taxation (M.S.T.) program is a graduate degree program specifically designed for certified public accountants and other tax professionals in the areas of conceptual understanding and technical competence. The Certified Investment Management Analyst® (CIMA®) designation awarded by the Investments and Wealth Institute demonstrates certification in portfolio construction, focusing on asset allocation, due diligence, risk measurement, investment policy and performance measurement. Candidates for the program must complete an executive education program through an approved education provider and successfully complete the certification exam. CIMA® designees are required to complete 40 hours of continuing education every two years. The Certified Trust and Fiduciary Advisor (CTFA) designation is awarded by the ABA institute of Certified Bankers who demonstrate their knowledge as a trust and financial advisor. Candidates must meet one of the three following requirements to be eligible: three years of wealth management experience plus ICB-approved training, five years of personal trust experience and a bachelor’s degree or 10 years of personal trust experience. Candidates are required to successfully complete a final certification examination. Candidates must complete 45 credits every three years (with a minimum of six hours in each of four knowledge areas) of continuing education. The Certified Divorce Financial Analyst™ (CDFA™) designation is awarded to professionals who address unique financial issues of divorce with data to help achieve equitable settlements. To obtain the designation, candidates must complete the course of study and successfully pass the examinations. The position requires 15 hours of divorce-related continuing education every two years. The SHRM-SCP (SHRM Senior Certified Professional) designation is awarded to HR professionals who work in a senior role developing strategy and policies, oversee the Firm’s HR department, analyze individual performance, and contribute to the alignment of HR strategies to the Firm’s goals. Those who receive this designation are also required to pass an examination. The SPHR (Senior Professional in Human Resources) designation is awarded by HRCI® to HR professionals that have demonstrated a high level of mastery related to the strategic and policy-making aspects of HR management and have passed the required examination. The CEBS (Certified Employee Benefit Specialist®) is awarded to HR professionals who complete the required coursework and examinations to strengthen their knowledge on employee benefits and retirement plans. This designation is sponsored by the International Foundation of Employee Benefit Plans. The Personal Financial Specialist (PFS™) designation is awarded by the American Institute of Certified Public Accountants (AICPA) to candidates who display their expertise in the field of financial planning. Candidates must be a member of the AICPA, hold an unrevoked CPA certificate issued by a state authority and have at least two years of teaching or business experience (3,000 hours equivalent) in personal financial planning within the five-year period preceding the data of the CPA/PFS application. Candidates must have 75 hours of personal financial planning education within the five-year period preceding the date of the PFS™ application and pass a final examination. The designation requires 60 hours of continuing education every three years. The Chartered Global Management Accountant® (CGMA®) designation showcases global value by demonstrating leadership, people, digital and financial skills. CGMA® designation holders qualify through rigorous education, exam and experience requirements. The Accredited Investment Fiduciary® (AIF®) designation is granted by Fi360, formerly known as the Center for Fiduciary Studies. Those who earn the AIF® mark successfully complete a specialized program on investment fiduciary standards of care, pass a comprehensive examination and attest to a Code of Ethics. The Chartered Financial Consultant® (ChFC®) is a financial planning designation for the financial services industry awarded by the American College. A candidate for the designation must meet the following requirements: complete seven required and two elective courses, possess three years of experience in the financial industry, successfully pass nine closed-book, course-specific, two-hour proctored exams and agree to adhere to The American College’s Code of Ethics. After certification, continued use of the designation mandates 30 hours of continuing education every two years and on-going commitment to the ethics and practice standards. The Retirement Income Certified Professional® (RICP®) designation is licensed by The American College of Financial Services and requires the completion of coursework and passing of an exam. RICP® professionals create and execute comprehensive retirement strategies utilizing Social Security in financial planning and best practices for clients’ portfolio withdrawals to generate retirement income all while addressing and evaluating financial risks associated with aging such as planning for long-term care and legacy planning. The Certified Exit Planner (CExP™) is a designation awarded by the Business Enterprise Institute (BEI) to candidates who complete the required curriculum of nine training modules. The Exit Planning concepts covered benefit business-owner clients at all stages of ownership, from inception to ownership transfer. Once the curriculum has been completed, candidates must successfully pass an exam. The designation requires 30 hours of continuing education every two years. The Chartered Advisor in Philanthropy® (CAP®) designation is administered by The American College of Financial Services. To earn the designation, applicants must complete the required coursework, meet minimum experience requirements, follow ethical guidelines, agree to The American College of Financial Services Code of Ethics and Procedures and pay the associated fees. To meet the experience requirements, one of the following must be true for three of the five years prior to applying for the designation: 1.) The advisor offered wealth and estate planning, financial planning, charitable planning, charitable giving, planned giving, nonprofit or foundation management or services, investment management of charitable assets or accounting services to individuals or charities; OR 2.) The advisor was employed in the nonprofit sector in a role related to nonprofit management, development, planned giving or fundraising. The coursework consists of three classes covering gift planning for families, gift planning for nonprofits and charitable giving strategies. The courses are the equivalent of three semester hours each, for a total of nine semester hours. Each course requires the completion of a two-hour exam, which is administered at a local exam center. Courses are graduate-level and can earn credit toward a Master of Science in Financial Services degree as well as the Chartered Advisor in Philanthropy® designation. The College requires the designation to be completed within five years of completing the relevant coursework. The Chartered Life Underwriter® (CLU®) is a professional designation awarded by The American College of Financial Services to individuals who specialize in life insurance underwriting and estate planning. Candidates are required to complete eight courses, as well as eight examinations. The designation requires 30 hours of continuing education every year. OFG-2412-18
