ETHICS CE: CFP Board’s Revised Code and Standards/Enhancing Your Ethical Intelligence
Speaker: Charles Garcia, CFP®, PAX Financial
Join our host, Charles Garcia, JD, CFP® for your required 2-hours of CFP Ethics. This course fulfills the 2 hour CFP Board of Standards Ethics requirement. It does not qualify for CPA, CIMA, AIF or other designations.
As part of CFP® certification, all CFP® professionals commit to uphold the high standards outlined in the Code of Ethics and Standards of Conduct. This helps give clients confidence they're partnering with a financial advisor who will put them on the path to a secure future. The CFP Board's Code of Ethics and Standards of Conduct requires CFP® professionals to uphold the principles of integrity, objectivity, competence, fairness and confidentiality. They make a commitment to put their clients' interests first at all times when providing financial advice.
CFP Ethics CE will be submitted to the CFP Board of Standards by FPA San Antonio/South Texas.
Learning objectives:
- Recognize when a CFP® professional is providing Financial Advice.
- Apply the Fiduciary Duty.
- Describe when Financial Advice requires Financial Planning and the additional obligations that apply.
- Identify duties when using or referring other service providers or technologies.
- Describe the process the CFP Board follows to uphold the Code and Standards.
- Determine what information must be provided to the Client and when to document the exchange of information.
With over 25 years of experience, Charles has provided leadership throughout several areas of the financial services industry. In his role as Vice President of Advisory Services, Charles delivers personalized financial advice and planning to clients. He also supports the integration of PAX’s strategic objectives into the daily routines of the advisory team.
While in college, Charles landed a job pulling microfilm in the basement of a mutual fund company when he realized a knack and interest in financial planning. He graduated from the University of Houston with degrees in Psychology and Military Science. A lifelong learner, Charles has obtained several industry certifications, licenses, and designations, as well as a Juris doctorate (law degree) in 2014.
His professional trajectory has taken him through Fortune 500 companies, Wall Street brokerage firms, and even his own advisory firm. Finding a match in culture and worldview, he joined PAX Financial Group in 2019 and brings a passion for small businesses, where every employee plays a vital role in shaping the company’s culture and fostering success. He serves on multiple non-profit boards and is the president of the Financial Planning Association for San Antonio and South Texas Chapter. Charles is also a certified Ethics instructor for the CFP Board of Standards.
Charles, along with his wife of nearly 25 years, and their three children are longtime Texans with roots planted in San Antonio. An avid fan of BBQ and a part-time writer, Charles maintains a love/hate relationship with running; having completed over two dozen marathons and ultramarathons. He also teaches bible studies and enjoys hosting men’s groups to discuss Christian theology and apologetics.