CFP Board Financial Planning Competency Handbook. Board CFP

42

www.cfp.net/for-cfp-professionals/professional-standards-enforcement/standards-of-professional-conduct/financial-planning-practice-standards/practice-standards-100.

43

See Lytton et al., Process of Financial Planning, 159.

44

www.cfp.net/for-cfp-professionals/professional-standards-enforcement/standards-of-professional-conduct/financial-planning-practice-standards.

45

Ibid.

46

Zvi Bodie, Alex Kane, and Alan J. Marcus, Investments, 9th ed. (New York: McGraw-Hill Irwin, 2011), 635.

47

www.rmahq.org.

48

Sue Greniger, Vickie Hampton, Karrol Kitt, and Joseph Achacoso, “Ratios and Benchmarks for Measuring the Financial Well-Being of Families and Individuals,” Financial Services Review 5, no. 1 (1996): 57–70.