All information contained on the website and/or social media pages is for informational purposes only and provides a way for individuals to contact SYM Financial Advisors (“SYM”). The information presented through the website and/or social media pages does not constitute a solicitation or offer to sell securities or investment advisory services. SYM is a Registered Investment Advisor and may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements.

No information accessed through the SYM website and/or social media pages constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision. SYM’s specific advice is given only within the context of our contractual agreements with each client. The information in this website is based on data gathered from sources which we believe to be reliable. It is not guaranteed as to accuracy, does not purport to be complete and is not intended as the primary basis for investment decisions. Individuals that access certain links on the SYM website may leave the SYM website. SYM does not endorse the content of such websites, nor the products, services or other items offered through such websites.

Any links to other sites are not intended as referrals or endorsements but are merely provided to individuals for convenience and informational purposes. Furthermore, the information resulting from the use of tools or information through this website should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from an advisor.

Any mention of past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended or undertaken by SYM) or product to which direct or indirect reference is made by SYM in its website and/or social media pages, or indirectly via a link to an unaffiliated third party website, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio.

The opinions expressed are those of SYM Financial Advisors and are subject to change without notice. SYM reserves the right to modify its current investment strategies and techniques based on changing market dynamics or client needs. SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees, and objectives can be found in our ADV Part 2 or Form CRS, which is available upon request.

Accredited Investment Fiduciary^® (AIF^®):

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.

Chartered Financial Analyst^® (CFA^®):

Chartered Financial Analysts® 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.
 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.
 Agree to adhere to and sign the Member’s Agreement, a Professional Conduct Statement, and any additional documentation requested by CFA® Institute.
 Adhere to the CFA® Institute Code of Ethics and Standards of Professional Conduct.

Certified Financial Planner® (CFP®)

Certified Financial Planners™ are licensed by the CFP® Board to use the CFP® mark. CFP® certification requirements:
 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 3-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.
 Complete 30 hours of continuing education every two years, including two hours on the Code of Ethics and Standards of Professional Conduct.

Chartered Alternative Investment AnalystSM (CAIA®):

Chartered Alternative Investment AnalystSM are sponsored by the CAIA Association®. CAIA® professional designation requirements:
 Successful completion of Level 1 and Level II of the CAIA exam.
 Meet one of the two requirements: Obtain a bachelor’s degree, or equivalent, with a minimum of one year of professional experience or have a minimum of four years of professional experience. Professional experience is defined as full-time employment in a professional capacity with the regulatory, banking, financial, or related fields.
 Agree to abide by the terms and conditions of the CAIA Association® Member Agreement.
 Provide two professional references.
 Establish and maintain membership in the CAIA Association®.

Chartered Financial Consultant® (ChFC®):

Chartered Financial Consultants® are licensed by the The American College of Financial Services to use the ChFC® mark. ChFC® certification requirements:
 Three years of experience in financial planning or a related profession is required.
 Complete the eight request courses and related examinations.
 Comply with The American College Code of Ethics and Procedures.
 Complete ongoing continuing education and ethics once every two years, which consist of 30 hours of continuing professional education.

Personal Financial SpecialistTM (PFSTM) – AICPA:

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. PFS™ designation requirements:
 Be a member of the AICPA.
 Hold an unrevoked CPA certificate issued by a state authority.
 Experience requirement: 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.
 Education requirement: 75 hours of personal financial planning education within the five-year period preceding the date of the PFS application and pass a final examination.
 Complete 60 hours of continuing education every three years.

Financial Risk Manager (FRM):

The Financial Risk Manager (FRM) designation is an international professional
certification offered by the Global Association of Risk Professionals (GARP). FRM professional designation requirements:
 Successful completion of the FRM Exam Part I and Part II.
o The FRM Exam Part I is a 100-question multiple choice exam emphasizing the tools used to assess financial risk: foundations of risk management, quantitative analysis, financial markets and products, and valuation and risk models.
o FRM Exam Part II is an 80-question multiple choice exam emphasizing the application of the tools acquired in Part I: market risk, credit risk, operational risk and resiliency, treasury and liquidity risk management, risk management and investment management, and current issues in financial markets.
 Submit documentation of two (2) years of professional, full-time risk management work experience within five (5) years of passing the FRM Exam Part II.

Certified Exit Planning Advisor (CEPA®):

Certified Exit Planning Advisors are licensed by the Exit Planning
Institute® to use the CEPA® mark. CEPA® certification requirements:
 Five years of full-time or equivalent experience working directly with business owners as a financial advisor, attorney, CPA, business broker, investment banker, commercial lender, estate planner, insurance professional, business consultant or in a related capacity.
 Undergraduate degree from a qualifying institution or additional professional work experience (two years of relevant professional experience may be substituted for each year of required undergraduate studies).
 Exit Planning Institute member in good standing.
 Complete 5-day CEPA program and pass the 150-question exam.
 Sign an attestation agreeing to abide by the Code of Ethics and Professional Standards of the Exit Planning Institute.
 Complete ongoing continuing education and ethics once every three years, which consist of 40 hours of continuing professional education.

Certified Kingdom Advisor (CKA®):

Certified Kingdom Advisors are licensed by Kingdom Advisors to use the
CKA® mark. CKA® certification requirements:
 Applicants must either hold one of the following industry-approved designations: CFP®, ChFC®,
CPA, CPA/PFS, EA, CFA, CIMA®, AAMS, CLU®, RICP®, CLTC®, JD, or hold 10 years of experience in the discipline in which applying for the Certified Kingdom Advisor® designation.
 Pass the exam comprised of 100 questions and one case study.
 Three references are required, including one pastoral reference and two client references, from nonfamily members who have known the applicant for at least two years. Client references must be from people the applicant has served within the past two years.
 Completion of required annual update questions online and 10 hours continuing Kingdom Advisors Education. Maintain good standing with all industry designations and regulatory bodies.

Certified Public Accountant (CPA):

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.

Financial Paraplanner Qualified Professional™ (FPQP™):

The Financial Paraplanner Qualified Professional™ (FPQP™) is a designation covering the financial planning process, the five disciplines of financial planning, general financial planning concepts and terminology. Individuals who hold this designation have completed the 10-module course of study, and then successfully passed an exam. Designees must adhere to the College’s Standards of Professional Conduct and complete sixteen hours of continuing education every two years.

Chartered Retirement Plans Specialist (CRPS®):

Chartered Retirement Plans Specialists are licensed by the College for Financial Planning® to use the CRPS® mark. CRPS® certification requirements:
 Successful completion of the CRPS® professional education program.
 Pass the 80-question final exam.
 Sign an attestation agreeing to abide by the Standards of Professional Conduct.
 Complete ongoing continuing education and ethics once every two years, which consists of 16 hours of continuing professional education.