"Each day millions of Americans must make important financial decisions, from Baby Boomers on the verge of retirement to the younger generations looking for ways to build their nest eggs. As company-sponsored pensions are being replaced by self-administered 401(k)s and IRAs, and as more responsibility for medical coverage shifts to individuals, Americans today are often required to make a broader range of financial decisions than the decisions their parents made, and more people are finding professional financial planning assistance a necessity."

Karen P. Schaeffer, CFP®; Chair, CFP Board’s Board of Directors; "CFP Board Raises Ethical Standards for

Financial Planners to Address America’s Growing Need for Financial Advice"; July 9, 2007.

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