INDEPENDENT BUT NOT ALONE
Josh Donley and Michael Stokes are members of Integrated Financial Group, a consortium of independent LPL financial planners from across the country. Since its inception in 2003, the Consortium has maintained a culture of passionate, strictly vetted independent financial planner members who support the notion that many minds are greater than one. This Consortium of expertise is called the Brain Trust.
Josh and Michael’s affiliation with this professional group is invaluable; it gives them access to a network of talented, like-minded peers who share strategies, best practices and advice. Their clients benefit from the collective expertise of the Brain Trust in addition to the perks of Mosaic Capital Management’s customized financial planning approach.
WHAT IS THE BRAIN TRUST?
OBSTACLES AND OPPORTUNITIES IN FINANCIAL PLANNING
Today, Integrated Financial Group is one of the largest independent financial planning consortiums in the country, with over $1.2 billion in brokerage and advisory assets under management*. With over 70 Consortium Members owning firms across 9 states, they form a diverse, experienced and qualified group of professionals. Each advisor member in the consortium independently owns his or her financial planning practice, and everyone has their own unique style and special area of planning expertise. In 2013, they celebrated a decade of excellence in financial management and marked their tenth consecutive year as one of Atlanta’s Top 25 Financial Planning and Advisory Firms.
Click here to learn more about Integrated Financial Group
*Based on assets under advisement since 2004, Atlanta Business Chronicle.
ACCREDITED PROFESSIONALS WORKING FOR YOU
CFP® | CERTIFIED FINANCIAL PLANNER™
The CFP® designation is administered and regulated by the Certified Financial Planner Board of Standards, Inc. Financial planners that wish to obtain a CFP® designation must meet several requirements mandated by the CFP® board, including minimum education and experience requirements in the areas of financial planning, insurance and investment planning, and retirement and estate planning, which could take as many as three years. CFP® candidates must also pass a 10 hour written examination and background check. Once a planner has obtained the CFP® designation, they must complete continuing education requirements to keep it. This designation is not required by law for individuals who want to practice financial planning, rather it is intended to identify for consumers experienced and knowledgeable professionals. In addition to their exams, certificants must agree to abide by the CFP Board's Code of Ethics and Professional Responsibility which puts clients' interests first, and comply with the Financial Planning Practice Standards which spell out what clients should be able to reasonably expect from the financial planning engagement.
CPA | CERTIFIED PUBLIC ACCOUNTANT
An individual who has passed the uniform CPA examination administered by the American Institute Of Certified Public Accountants (AICPA), and who has received state certification to practice accounting. To achieve this designation, an individual usually has to complete 5 years of education and a certain degree of work experience. Additionally, once an individual becomes a CPA, they must complete a certain number of hours of continuing education each year.
PFS | PERSONAL FINANCIAL SPECIALIST
A Personal Financial Specialist is a certified public accountant (CPA) who also offers financial planning services. The title is authorized by the American Institute of Certified Public Accountants (AICPA) after the completion of a review process that involves an exam and recommendations from clients and colleagues. The designation also requires a minimum of three years of financial planning experience.
CLU® | CHARTERED LIFE UNDERWRITER
A designation granted by the American College in Bryn Mawr, Pennsylvania to individuals who have completed training in life insurance and personal insurance planning. To obtain the designation, individuals have to complete advanced courses and exams in several topics including insurance, investments, taxation, employee benefits, estate planning, accounting, management and economics.
CFS | CERTIFIED FUND SPECIALIST
CFS is the oldest designation in the mutual fund industry. Training is provided by the Institute of Business & Finance (IBF) in the form of a 60-hour self-study program followed by a final exam. Course topics include, but are not limited to, portfolio theory, dollar-cost averaging and annuities.
CDFA | CERTIFIED DIVORCE FINANCIAL ANALYST
The Institute for Divorce Financial Analysts (IDFA™) is the premier national organization dedicated to the certification, education and promotion of the use of financial professionals in the divorce arena. The Institute provides comprehensive training using a variety of knowledge and skill-building techniques. Certificants are qualified to help their clients with financial issues that will affect the rest of their lives.