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Do I need to be licensed to offer financial planning help?

I have an idea of offering basic financial help to new college graduates in my area. This includes setting up their first budgets, setting aside some money for their savings, paying off loans, etc. I would charge a minimum fee for the advice I provide. I am planning on completing the CFP training next year, but am not currently certified. Are there any laws or regulations that prevent this? I'm not going to advertise myself as having any of these certificates until I actually have them and will not be investing anyone's money.

Financial Planning
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June 2017

You would need to discuss this with your state.  There are no licensing requirements for financial planning, per se,  but there may be a requirement that you register as a Registered Investment Advisor.

I can see why your service may not need licensing since it is dealing with past or present, but what about the future savings - securities or cash?

June 2017
June 2017
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June 2017