Quote:
Originally Posted by MDFlyer
It is my understanding that when you use the credentials, you are saying that is what you are representing yourself as. Michael L Whitaker, in every correspondence, identifies by (cut and pasted) Thank you,
Michael L. Whitaker
Chartered Financial Consultant
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Note that Michael "J" Whitaker is only listed as a "financial advisor" on the company website, with no professional designations. Also, note that the terms chfc, clu, and cfp are all private designations that require compliance with a private code of ethics, but I don't think they are held to any specific legal advisory duties by any state or Federal laws, except the Department of Labor law for retirement accounts.