🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 123 (from laksa120)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa123.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.letsmakeaplan.org/financial-topics/topics-a-z/family-finances\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.letsmakeaplan.org/financial-topics/topics-a-z/family-finances\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/family-finances","crawl_time":1776105826,"first_indexed_time":1608209542,"http_code":200,"src_unparsed":"org,letsmakeaplan!www,\/financial-topics\/topics-a-z\/family-finances s443","src_root_hash":"17140630523636106923","history_drop_reason":null,"meta_title":"Family Finances | CFP - Let's Make a Plan","meta_descriptions":["Work with a CFP® professional to make financial decisions for your family, whether you are getting married, having kids, or saving for college or retirement."],"attrs_boilerpipe_text":"Terms and Conditions for the CFP Board\nFind a CFP® Professional\nSearch\nThese terms and conditions govern your use of the\nFind a CFP® Professional\nSearch feature on Certified Financial Planner Board of Standards, Inc.’s (“CFP Board”) Let’s Make a Plan website (www.LetsMakeAPlan.org).\nBefore using\nFind a CFP® Professional\n, you must read and agree to\nthese terms and conditions, and\nCFP Board’s\nTerms of Use\n.\nPermitted Uses\nCFP Board publishes the\nFind a CFP® Professional\nas a reference source about CFP® professionals in the United States. It does not include all CFP® professionals – only those who choose to be included.\nFind a CFP® Professional\nmay be used only by\nmembers of the public to locate CFP® professionals and obtain information about them, and\nindividual CFP® professionals or their staff to view their own listings or those of colleagues.\nYou may only use\nFind a CFP® Professional\n(as well as any of its data, listings, or other constituent elements) in the ways we describe in these Terms and Conditions. You may not\nmodify, download, republish, sell, license, duplicate, \"scrape,\" or otherwise exploit the information – in whole or in part, or\nuse the information to offer products or services to CFP® professionals. \nCFP Board may block your use of this search tool indefinitely if it determines that you are using it for a different purpose.\nDisclaimer of Warranties and Liabilities\nCFP Board verifies that the individuals accessible through\nFind a CFP® Professional\ncurrently hold CFP® certification, however\nif a CFP® professional is included in this search feature, it does not imply that CFP Board refers, endorses, or recommends the CFP® professional, and\nif a CFP® professional is omitted from this search feature, it does not indicate CFP Board’s disapproval. \nCFP Board also provides information about whether or not the individuals accessible through\nFind a CFP® Professional\nhave been disciplined publicly by CFP Board, or\nhave made a bankruptcy disclosure to CFP Board that is scheduled to remain on CFP Board’s website according to the CFP Board Bankruptcy Disclosure Procedures that were in effect until June 30, 2020.\nCFP® professionals provide all other information disclosed through\nFind a CFP® Professional\n. CFP Board does not verify and is not responsible for the accuracy, reliability, or completeness of the information that a CFP® professional has provided.\nFor example, CFP Board does not verify that CFP® professionals focus their practices in the specific areas they designate.\nIt is your responsibility to ask the CFP® professional about his or her experience. You should interview and evaluate several financial professionals to find the one who is right for you. You will want to select a competent, qualified professional with whom you feel comfortable and who suits your financial planning needs. For sample questions to ask when interviewing a financial advisor, visit\nwww.LetsMakeAPlan.org.\nOther than what we provide in these terms, CFP Board makes no representations or warranties of any nature – express or implied – with respect to the information obtained through\nFind a CFP® Professional\n, including whether the information is accurate or complete. The material included in or available through\nFind a CFP® Professional\nis for informational purposes only and is provided on an “AS IS” basis.\nWhen you rely upon the information obtained through\nFind a CFP® Professional\n, you do so at your own risk. CFP Board does not warrant or guarantee the work of any CFP® professional. You assume full responsibility for any interactions you have with a CFP® professional you contact.\nCFP Board is not liable for\nany decision you make or action you take when relying on information obtained from\nFind a CFP® Professional\n, or\nany damages (including incidental, consequential, and punitive damages) resulting directly or indirectly from your use of a CFP® Professional or your inability to use\nFind a CFP® Professional\nwhether based on warranty, contract, tort, or any other legal theory, and whether or not CFP Board is aware or has been advised of the possibility of such damages.\nCFP Board provides links to the following websites that may provide other information about CFP® professionals:\nthe Financial Industry Regulatory Authority’s (FINRA) BrokerCheck website (for professionals who are subject to FINRA’s oversight),\nthe Securities and Exchange Commission’s (SEC) Investment Adviser Public Disclosure website (for those who are subject to the SEC’s oversight),\nthe Office of the Comptroller of the Currency’s (OCC) Enforcement Actions website (for those individuals who are subject to OCC oversight), and\nthe websites for the North American Securities Administrators Association and the National Association of Insurance Commissioners, which provide contact information for state securities regulators and state insurance departments. \nCFP Board is not responsible for the accuracy, reliability, or completeness of the information on these websites. When you use or rely on these websites, CFP Board cannot be held responsible or liable (directly or indirectly) for any loss or damage resulting from the content, goods, or services available on these websites.","attrs_markdown":"[Skip to main content](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/family-finances#main-content)\n\n[![CFP Board LMAP Logo](https:\/\/www.letsmakeaplan.org\/assets\/images\/logo-cfp-lmap-horizontal-w-tagline.svg)](https:\/\/www.letsmakeaplan.org\/)\n\n[Favorites](https:\/\/www.letsmakeaplan.org\/find-a-cfp-professional\/favorites)\n\nOpen Menu\n\n[Home](https:\/\/www.letsmakeaplan.org\/)\n\nSearch Toggle\n\nSearch Toggle\n\n- [Getting Prepared](https:\/\/www.letsmakeaplan.org\/getting-prepared) [Open Sub Menu](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/family-finances)\n  [Back](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/family-finances)\n  \n  - [The Value of Planning](https:\/\/www.letsmakeaplan.org\/getting-prepared\/the-value-of-financial-planning)\n  - [Set Your Financial Goals](https:\/\/www.letsmakeaplan.org\/getting-prepared\/set-your-financial-goals)\n  - [When You Should Make a Plan](https:\/\/www.letsmakeaplan.org\/getting-prepared\/when-you-should-make-a-financial-plan)\n  - [The Planning Process](https:\/\/www.letsmakeaplan.org\/getting-prepared\/the-financial-planning-process)\n  - [Checklist For Your First Visit](https:\/\/www.letsmakeaplan.org\/getting-prepared\/checklist-for-your-first-visit-with-a-financial-planner)\n- [Choosing a Planner](https:\/\/www.letsmakeaplan.org\/choosing-a-planner) [Open Sub Menu](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/family-finances)\n  [Back](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/family-finances)\n  \n  - [Why Choose a CFP® Professional](https:\/\/www.letsmakeaplan.org\/choosing-a-planner\/why-choose-a-cfp-professional)\n  - [10 Questions to Ask Your Financial Advisor](https:\/\/www.letsmakeaplan.org\/choosing-a-planner\/10-questions-to-ask-your-financial-advisor)\n  - [Types of Services](https:\/\/www.letsmakeaplan.org\/choosing-a-planner\/types-of-services)\n  - [Types of Advisors](https:\/\/www.letsmakeaplan.org\/choosing-a-planner\/types-of-advisors)\n  - [Paying Your Advisor](https:\/\/www.letsmakeaplan.org\/choosing-a-planner\/paying-your-advisor)\n  - [Fiduciary Duty: Your Interests Should Come First](https:\/\/www.letsmakeaplan.org\/choosing-a-planner\/fiduciary-duty-your-interests-should-come-first)\n  - [File a Complaint](https:\/\/www.letsmakeaplan.org\/file-a-complaint)\n- [Financial Topics](https:\/\/www.letsmakeaplan.org\/financial-topics) [Open Sub Menu](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/family-finances)\n  [Back](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/family-finances)\n  \n  - Financial Goals\n    - [Retirement Planning](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/retirement-planning)\n    - [Investing](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/investing)\n    - [Budgeting](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/budgeting)\n    - [Tax Planning](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/tax-planning)\n  - Special Topics\n    - [Financial Uncertainty](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/financial-uncertainty)\n    - [Divorce](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/divorce)\n    - [Veterans](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/veterans)\n    - [LGBTQ](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/planning-for-lgbtq-individuals-and-couples)\n    - [Women](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/women)\n  - Life Stages\n    - [Starting Out](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/starting-out)\n    - [Settling Down](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/settling-down)\n    - [Entering Midlife](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/entering-midlife)\n    - [Near Retirement](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/near-retirement)\n    - [Enjoying Retirement](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/enjoying-retirement)\n  - [Browse all topics](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z)\n- Find a CFP® Professional\n\nSearch Let's Make a Plan\n\nSearch Toggle\n\nSubmit\n\nFind a CFP® Professional\n\nFind a CFP® Professional Form Toggle\n\n[![Financial Planning - CFP Let's Make a Plan](https:\/\/www.letsmakeaplan.org\/assets\/images\/logo-cfp-lmap-horizontal-w-tagline.svg)](https:\/\/www.letsmakeaplan.org\/)\n\n- [Getting Prepared](https:\/\/www.letsmakeaplan.org\/getting-prepared)\n  - [The Value of Planning](https:\/\/www.letsmakeaplan.org\/getting-prepared\/the-value-of-financial-planning)\n  - [Set Your Financial Goals](https:\/\/www.letsmakeaplan.org\/getting-prepared\/set-your-financial-goals)\n  - [When You Should Make a Plan](https:\/\/www.letsmakeaplan.org\/getting-prepared\/when-you-should-make-a-financial-plan)\n  - [The Planning Process](https:\/\/www.letsmakeaplan.org\/getting-prepared\/the-financial-planning-process)\n  - [Checklist For Your First Visit](https:\/\/www.letsmakeaplan.org\/getting-prepared\/checklist-for-your-first-visit-with-a-financial-planner)\n- [Choosing a Planner](https:\/\/www.letsmakeaplan.org\/choosing-a-planner)\n  - [Why Choose a CFP® Professional](https:\/\/www.letsmakeaplan.org\/choosing-a-planner\/why-choose-a-cfp-professional)\n  - [10 Questions to Ask Your Financial Advisor](https:\/\/www.letsmakeaplan.org\/choosing-a-planner\/10-questions-to-ask-your-financial-advisor)\n  - [Types of Services](https:\/\/www.letsmakeaplan.org\/choosing-a-planner\/types-of-services)\n  - [Types of Advisors](https:\/\/www.letsmakeaplan.org\/choosing-a-planner\/types-of-advisors)\n  - [Paying Your Advisor](https:\/\/www.letsmakeaplan.org\/choosing-a-planner\/paying-your-advisor)\n  - [Fiduciary Duty: Your Interests Should Come First](https:\/\/www.letsmakeaplan.org\/choosing-a-planner\/fiduciary-duty-your-interests-should-come-first)\n  - [File a Complaint](https:\/\/www.letsmakeaplan.org\/file-a-complaint)\n- [Financial Topics](https:\/\/www.letsmakeaplan.org\/financial-topics)\n  Financial Goals\n  \n  - [Retirement Planning](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/retirement-planning)\n  - [Investing](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/investing)\n  - [Budgeting](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/budgeting)\n  - [Tax Planning](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/tax-planning)\n  \n  Special Topics\n  \n  - [Financial Uncertainty](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/financial-uncertainty)\n  - [Divorce](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/divorce)\n  - [Veterans](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/veterans)\n  - [LGBTQ](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/planning-for-lgbtq-individuals-and-couples)\n  - [Women](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/women)\n  \n  Life Stages\n  \n  - [Starting Out](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/starting-out)\n  - [Settling Down](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/settling-down)\n  - [Entering Midlife](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/entering-midlife)\n  - [Near Retirement](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/near-retirement)\n  - [Enjoying Retirement](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/enjoying-retirement)\n  \n  [More Financial Topics](https:\/\/www.letsmakeaplan.org\/financial-topics)\n\n[Favorites](https:\/\/www.letsmakeaplan.org\/find-a-cfp-professional\/favorites)\n\nSearch Toggle\n\nFind a CFP® Professional\n\n[Close Search](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/family-finances)\n\n- [Home](https:\/\/www.letsmakeaplan.org\/)\n- [Financial Topics](https:\/\/www.letsmakeaplan.org\/financial-topics)\n- [Topics A-Z](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z)\n- [Family Finances](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/family-finances)\n\nTopics A-Z\n\n# Family Finances\nKey financial decisions for your family happen at all life stages—whether it’s merging finances when you get married, budgeting to help afford everyday expenses when you have children, tax breaks to help you pay for child care and save for college, and how to protect your income for your family if anything happens to you.\n\n![Bridging the Generational Money Gap](https:\/\/www.letsmakeaplan.org\/-\/media\/2026\/lmap-article-1_27_26-generational-wealth.jpg?cx=0.48&cy=0.46&cw=675&ch=490&hash=9A7EDC14BD9221ED76FED2CA9C564030)\n\n## Bridging the Generational Money Gap Through Values-Based Planning\nLearn how families can strengthen communication, align values, and prepare future generations for lasting wealth with guidance from a CFP® professional.\n\n[Read More](https:\/\/www.letsmakeaplan.org\/financial-topics\/articles\/family-finances\/bridging-the-generational-money-gap)\n\n## The Latest\n[![How Couples Can Create Financial Resolutions That Last And Reflect Values ](https:\/\/www.letsmakeaplan.org\/-\/media\/2025\/lmap-articles\/lmap-article-12_3_25-financialresolutions.jpg?cx=0.46&cy=0.61&cw=410&ch=300&hash=3D5A17662284436CED0B50D23EE66752) New Year, New Goals: How Couples Can Create Financial Resolutions That Last Nearly all Americans started the year with at least one financial goal, according to a survey by CFP Board.](https:\/\/www.letsmakeaplan.org\/financial-topics\/articles\/planning-for-couples\/how-couples-can-create-financial-resolutions-that-last-and-reflect-values)\n\n[![Navigate Financial Conversations With Family Without Tension ](https:\/\/www.letsmakeaplan.org\/-\/media\/2025\/lmap-articles\/lmap-article-11_19_25-financialconversations.jpg?cx=0.52&cy=0.56&cw=410&ch=300&hash=E6C42FF9BE1A7ABF63788C784270328A) Navigate Financial Conversations With Family Without Tension The holidays are a time of joy, reflection and family. When families communicate openly and set clear financial expectations, they can reduce tension and focus on what really matters — spending meaningful time together and building a stronger future.](https:\/\/www.letsmakeaplan.org\/financial-topics\/articles\/financial-planning\/navigate-financial-conversations-with-family-without-tension)\n\n[![A kid is smiling and holding a sign \"I'm Thankful\" while seating at the holiday table](https:\/\/www.letsmakeaplan.org\/-\/media\/2025\/lmap-articles\/lmap-article-11_12_25-holidayharmony.jpg?cx=0.54&cy=0.75&cw=410&ch=300&hash=8AC6877DC60672EE871404A3AD335191) Holiday Harmony For Blended Families Starts With A Financial Plan For blended families like ours, the holidays may not always be picture-perfect, and that is okay.](https:\/\/www.letsmakeaplan.org\/financial-topics\/articles\/family-finances\/holiday-harmony-for-blended-families-starts-with-a-financial-plan)\n\n[![Love, Money and Compromise: Managing Lifestyle Differences in Relationships](https:\/\/www.letsmakeaplan.org\/-\/media\/2025\/lmap-articles\/lmap-article-10_22_25-love-and-compromise.jpg?cx=0.5&cy=0.56&cw=410&ch=300&hash=5F024FE826914A4B5BDC5D25489982FC) Love, Money and Compromise: Managing Lifestyle Differences in Relationships Every relationship requires compromise, but when it comes to money, compromise isn’t sacrificing your identity.](https:\/\/www.letsmakeaplan.org\/financial-topics\/articles\/planning-for-couples\/love-money-and-compromise)\n\n[![Family Finance Finding the Right Balance In Money Decisions](https:\/\/www.letsmakeaplan.org\/-\/media\/2025\/lmap-articles\/lmap-article-10_14_25-family-v-finances.jpg?cx=0&cy=0&cw=410&ch=300&hash=27058909944E058BD2A008B0A23FCC79) Family Finances: Finding the Right Balance In Money Decisions From my own experiences, I’ve learned that it’s not a good idea to mix money with family, without clearly defined boundaries.](https:\/\/www.letsmakeaplan.org\/financial-topics\/articles\/family-finances\/family-finance-finding-the-right-balance-in-money-decisions)\n\n[![Family at the beach](https:\/\/www.letsmakeaplan.org\/-\/media\/images\/lmap\/photos\/full-width\/topics\/financial-planning\/istock-594795453.jpg?cx=0.39&cy=0.61&cw=410&ch=300&hash=090CE3BAB5CBF091324B5C448A38E6E0) How to Plan for Summer Fun Through Financial Planning A CERTIFIED FINANCIAL PLANNER® professional can help you develop and commit to a savings plan that lets you enjoy everything the summer has to offer without setting aside your long-term financial goals.](https:\/\/www.letsmakeaplan.org\/financial-topics\/articles\/financial-planning\/how-to-plan-for-summer-fun-through-financial-planning)\n\n[![Preparing Family Finances Before Deployment](https:\/\/www.letsmakeaplan.org\/-\/media\/2025\/preparing-family-finances-before-deployment.jpg?cx=0&cy=0&cw=410&ch=300&hash=FCFC1F6931ED74B25CF09BFF5D49393E) Deploying Soon? How Servicemembers Can Prepare Their Family’s Finances Before the Mission Begins Deployment is a pivotal time requiring proactive financial preparation for you and your family. Before shipping out for duty, you can take actions to build financial support and stability. Here are some ways to secure your family’s financial future.](https:\/\/www.letsmakeaplan.org\/financial-topics\/articles\/family-finances\/how-servicemembers-can-prepare-family-finances-before-the-mission-begins)\n\n[![Tips-to-Help-with-Financial-Aid-For-College](https:\/\/www.letsmakeaplan.org\/-\/media\/images\/lmap\/photos\/full-width\/topics\/higher-education\/tips-to-help-with-financial-aid-for-college.jpg?cx=0.57&cy=0.51&cw=410&ch=300&hash=DB3B08AD935AAEEB9A4B10DE85894B0A) Making the Grade: Smart Strategies for College Costs & Financial Aid Struggling with college costs? Learn top strategies for financial aid, scholarships, and student loans to make higher education more affordable.](https:\/\/www.letsmakeaplan.org\/financial-topics\/articles\/higher-education\/top-tips-for-managing-college-costs-and-financial-aid)\n\n[![Illustration of a couple handling money](https:\/\/www.letsmakeaplan.org\/-\/media\/images\/lmap\/photos\/full-width\/topics\/financial-planning\/financial_and_budget_considerations_for_starting_a_family.jpg?cx=0.57&cy=0.51&cw=410&ch=300&hash=92D00B820E6A647350A9A2F6360A677D) 7 Essential Family Budget Questions to Ask Before Marriage Discussing finances before marriage is key to a strong future. Learn seven essential money questions to ask your partner to align goals and build trust.](https:\/\/www.letsmakeaplan.org\/financial-topics\/articles\/family-finances\/7-essential-family-budget-questions-to-ask-before-marriage)\n\n[![An adult holds the hand of a child.](https:\/\/www.letsmakeaplan.org\/-\/media\/images\/lmap\/photos\/full-width\/topics\/family-finances\/financial_and_budget_considerations_for_starting_a_family.jpg?cx=0.53&cy=0.38&cw=410&ch=300&hash=7476E3D6FD7F91DD4F5331F5C2BBE446) Financial and Budget Considerations for Starting A Family Starting a family is a significant financial milestone that requires careful planning and preparation. By addressing these key areas, you can create a stable financial future for your growing family.](https:\/\/www.letsmakeaplan.org\/financial-topics\/articles\/family-finances\/financial-and-budget-considerations-for-starting-a-family)\n\n## Find a CFP® Professional\n## CFP® Professionals Near You\n[Not Your Location?](https:\/\/www.letsmakeaplan.org\/financial-topics\/topics-a-z\/family-finances)\n\nInsights Delivered to Your Inbox\n\n© 2026 CFP Board. All Rights Reserved.\n\n- [Facebook](https:\/\/www.facebook.com\/CFPLetsMakeAPlan)\n- [Twitter](https:\/\/twitter.com\/CFPBoard)\n- [LinkedIn](https:\/\/www.linkedin.com\/company\/48361\/)\n\n- [Contact Us](https:\/\/www.letsmakeaplan.org\/contact-us)\n- [Terms of Use](https:\/\/www.cfp.net\/terms-of-use)\n- [Accessibility](https:\/\/www.letsmakeaplan.org\/accessibility)\n- Do Not Sell or Share My Data\n\n- [cfp.net](https:\/\/www.cfp.net\/)\n- [Get Certified](https:\/\/www.cfp.net\/get-certified\/certification-process)\n- [Sitemap](https:\/\/www.letsmakeaplan.org\/sitemap)\n- [Privacy Policy](https:\/\/www.cfp.net\/privacy-policy)\n- [Terms of Use](https:\/\/www.cfp.net\/terms-of-use)\n- [File a Complaint](https:\/\/www.letsmakeaplan.org\/file-a-complaint)\n- [Contact Us](https:\/\/www.letsmakeaplan.org\/contact-us)\n\n© 2026 CFP Board. All Rights Reserved.\n\n[![CFP Board LMAP Logo](https:\/\/www.letsmakeaplan.org\/assets\/images\/logo-cfp-lmap-horizontal.svg)](https:\/\/www.letsmakeaplan.org\/)\n\nTerms & Conditions\n\n**Terms and Conditions for the CFP Board *Find a CFP® Professional* Search**\n\nThese terms and conditions govern your use of the *Find a CFP® Professional* Search feature on Certified Financial Planner Board of Standards, Inc.’s (“CFP Board”) Let’s Make a Plan website (www.LetsMakeAPlan.org).\n\nBefore using *Find a CFP® Professional*, you must read and agree to\n\n- these terms and conditions, and\n- CFP Board’s [Terms of Use](https:\/\/www.cfp.net\/terms-of-use).\n\n**Permitted Uses**\n\nCFP Board publishes the *Find a CFP® Professional* as a reference source about CFP® professionals in the United States. It does not include all CFP® professionals – only those who choose to be included.\n\n*Find a CFP® Professional* may be used only by\n\n- members of the public to locate CFP® professionals and obtain information about them, and\n- individual CFP® professionals or their staff to view their own listings or those of colleagues.\n\nYou may only use *Find a CFP® Professional* (as well as any of its data, listings, or other constituent elements) in the ways we describe in these Terms and Conditions. You may not\n\n- modify, download, republish, sell, license, duplicate, \"scrape,\" or otherwise exploit the information – in whole or in part, or\n- use the information to offer products or services to CFP® professionals.\n\nCFP Board may block your use of this search tool indefinitely if it determines that you are using it for a different purpose.\n\n**Disclaimer of Warranties and Liabilities**\n\nCFP Board verifies that the individuals accessible through *Find a CFP® Professional* currently hold CFP® certification, however\n\n- if a CFP® professional is included in this search feature, it does not imply that CFP Board refers, endorses, or recommends the CFP® professional, and\n- if a CFP® professional is omitted from this search feature, it does not indicate CFP Board’s disapproval.\n\nCFP Board also provides information about whether or not the individuals accessible through *Find a CFP® Professional*\n\n- have been disciplined publicly by CFP Board, or\n- have made a bankruptcy disclosure to CFP Board that is scheduled to remain on CFP Board’s website according to the CFP Board Bankruptcy Disclosure Procedures that were in effect until June 30, 2020.\n\nCFP® professionals provide all other information disclosed through *Find a CFP® Professional*. CFP Board does not verify and is not responsible for the accuracy, reliability, or completeness of the information that a CFP® professional has provided.\n\nFor example, CFP Board does not verify that CFP® professionals focus their practices in the specific areas they designate.\n\nIt is your responsibility to ask the CFP® professional about his or her experience. You should interview and evaluate several financial professionals to find the one who is right for you. You will want to select a competent, qualified professional with whom you feel comfortable and who suits your financial planning needs. For sample questions to ask when interviewing a financial advisor, visit [www.LetsMakeAPlan.org.](https:\/\/www.letsmakeaplan.org\/)\n\nOther than what we provide in these terms, CFP Board makes no representations or warranties of any nature – express or implied – with respect to the information obtained through *Find a CFP® Professional*, including whether the information is accurate or complete. The material included in or available through *Find a CFP® Professional* is for informational purposes only and is provided on an “AS IS” basis.\n\nWhen you rely upon the information obtained through *Find a CFP® Professional*, you do so at your own risk. CFP Board does not warrant or guarantee the work of any CFP® professional. You assume full responsibility for any interactions you have with a CFP® professional you contact.\n\nCFP Board is not liable for\n\n- any decision you make or action you take when relying on information obtained from *Find a CFP® Professional*, or\n- any damages (including incidental, consequential, and punitive damages) resulting directly or indirectly from your use of a CFP® Professional or your inability to use *Find a CFP® Professional* whether based on warranty, contract, tort, or any other legal theory, and whether or not CFP Board is aware or has been advised of the possibility of such damages.\n\nCFP Board provides links to the following websites that may provide other information about CFP® professionals:\n\n- the Financial Industry Regulatory Authority’s (FINRA) BrokerCheck website (for professionals who are subject to FINRA’s oversight),\n- the Securities and Exchange Commission’s (SEC) Investment Adviser Public Disclosure website (for those who are subject to the SEC’s oversight),\n- the Office of the Comptroller of the Currency’s (OCC) Enforcement Actions website (for those individuals who are subject to OCC oversight), and\n- the websites for the North American Securities Administrators Association and the National Association of Insurance Commissioners, which provide contact information for state securities regulators and state insurance departments.\n\nCFP Board is not responsible for the accuracy, reliability, or completeness of the information on these websites. When you use or rely on these websites, CFP Board cannot be held responsible or liable (directly or indirectly) for any loss or damage resulting from the content, goods, or services available on these websites.","attrs_readable_markdown":"**Terms and Conditions for the CFP Board *Find a CFP® Professional* Search**\n\nThese terms and conditions govern your use of the *Find a CFP® Professional* Search feature on Certified Financial Planner Board of Standards, Inc.’s (“CFP Board”) Let’s Make a Plan website (www.LetsMakeAPlan.org).\n\nBefore using *Find a CFP® Professional*, you must read and agree to\n\n- these terms and conditions, and\n- CFP Board’s [Terms of Use](https:\/\/www.cfp.net\/terms-of-use).\n\n**Permitted Uses**\n\nCFP Board publishes the *Find a CFP® Professional* as a reference source about CFP® professionals in the United States. It does not include all CFP® professionals – only those who choose to be included.\n\n*Find a CFP® Professional* may be used only by\n\n- members of the public to locate CFP® professionals and obtain information about them, and\n- individual CFP® professionals or their staff to view their own listings or those of colleagues.\n\nYou may only use *Find a CFP® Professional* (as well as any of its data, listings, or other constituent elements) in the ways we describe in these Terms and Conditions. You may not\n\n- modify, download, republish, sell, license, duplicate, \"scrape,\" or otherwise exploit the information – in whole or in part, or\n- use the information to offer products or services to CFP® professionals.\n\nCFP Board may block your use of this search tool indefinitely if it determines that you are using it for a different purpose.\n\n**Disclaimer of Warranties and Liabilities**\n\nCFP Board verifies that the individuals accessible through *Find a CFP® Professional* currently hold CFP® certification, however\n\n- if a CFP® professional is included in this search feature, it does not imply that CFP Board refers, endorses, or recommends the CFP® professional, and\n- if a CFP® professional is omitted from this search feature, it does not indicate CFP Board’s disapproval.\n\nCFP Board also provides information about whether or not the individuals accessible through *Find a CFP® Professional*\n\n- have been disciplined publicly by CFP Board, or\n- have made a bankruptcy disclosure to CFP Board that is scheduled to remain on CFP Board’s website according to the CFP Board Bankruptcy Disclosure Procedures that were in effect until June 30, 2020.\n\nCFP® professionals provide all other information disclosed through *Find a CFP® Professional*. CFP Board does not verify and is not responsible for the accuracy, reliability, or completeness of the information that a CFP® professional has provided.\n\nFor example, CFP Board does not verify that CFP® professionals focus their practices in the specific areas they designate.\n\nIt is your responsibility to ask the CFP® professional about his or her experience. You should interview and evaluate several financial professionals to find the one who is right for you. You will want to select a competent, qualified professional with whom you feel comfortable and who suits your financial planning needs. For sample questions to ask when interviewing a financial advisor, visit [www.LetsMakeAPlan.org.](https:\/\/www.letsmakeaplan.org\/)\n\nOther than what we provide in these terms, CFP Board makes no representations or warranties of any nature – express or implied – with respect to the information obtained through *Find a CFP® Professional*, including whether the information is accurate or complete. The material included in or available through *Find a CFP® Professional* is for informational purposes only and is provided on an “AS IS” basis.\n\nWhen you rely upon the information obtained through *Find a CFP® Professional*, you do so at your own risk. CFP Board does not warrant or guarantee the work of any CFP® professional. You assume full responsibility for any interactions you have with a CFP® professional you contact.\n\nCFP Board is not liable for\n\n- any decision you make or action you take when relying on information obtained from *Find a CFP® Professional*, or\n- any damages (including incidental, consequential, and punitive damages) resulting directly or indirectly from your use of a CFP® Professional or your inability to use *Find a CFP® Professional* whether based on warranty, contract, tort, or any other legal theory, and whether or not CFP Board is aware or has been advised of the possibility of such damages.\n\nCFP Board provides links to the following websites that may provide other information about CFP® professionals:\n\n- the Financial Industry Regulatory Authority’s (FINRA) BrokerCheck website (for professionals who are subject to FINRA’s oversight),\n- the Securities and Exchange Commission’s (SEC) Investment Adviser Public Disclosure website (for those who are subject to the SEC’s oversight),\n- the Office of the Comptroller of the Currency’s (OCC) Enforcement Actions website (for those individuals who are subject to OCC oversight), and\n- the websites for the North American Securities Administrators Association and the National Association of Insurance Commissioners, which provide contact information for state securities regulators and state insurance departments.\n\nCFP Board is not responsible for the accuracy, reliability, or completeness of the information on these websites. When you use or rely on these websites, CFP Board cannot be held responsible or liable (directly or indirectly) for any loss or damage resulting from the content, goods, or services available on these websites.","meta_canonical":null}

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Boilerpipe Text	Terms and Conditions for the CFP Board Find a CFP® Professional Search These terms and conditions govern your use of the Find a CFP® Professional Search feature on Certified Financial Planner Board of Standards, Inc.’s (“CFP Board”) Let’s Make a Plan website (www.LetsMakeAPlan.org). Before using Find a CFP® Professional , you must read and agree to these terms and conditions, and CFP Board’s Terms of Use . Permitted Uses CFP Board publishes the Find a CFP® Professional as a reference source about CFP® professionals in the United States. It does not include all CFP® professionals – only those who choose to be included. Find a CFP® Professional may be used only by members of the public to locate CFP® professionals and obtain information about them, and individual CFP® professionals or their staff to view their own listings or those of colleagues. You may only use Find a CFP® Professional (as well as any of its data, listings, or other constituent elements) in the ways we describe in these Terms and Conditions. You may not modify, download, republish, sell, license, duplicate, "scrape," or otherwise exploit the information – in whole or in part, or use the information to offer products or services to CFP® professionals. CFP Board may block your use of this search tool indefinitely if it determines that you are using it for a different purpose. Disclaimer of Warranties and Liabilities CFP Board verifies that the individuals accessible through Find a CFP® Professional currently hold CFP® certification, however if a CFP® professional is included in this search feature, it does not imply that CFP Board refers, endorses, or recommends the CFP® professional, and if a CFP® professional is omitted from this search feature, it does not indicate CFP Board’s disapproval. CFP Board also provides information about whether or not the individuals accessible through Find a CFP® Professional have been disciplined publicly by CFP Board, or have made a bankruptcy disclosure to CFP Board that is scheduled to remain on CFP Board’s website according to the CFP Board Bankruptcy Disclosure Procedures that were in effect until June 30, 2020. CFP® professionals provide all other information disclosed through Find a CFP® Professional . CFP Board does not verify and is not responsible for the accuracy, reliability, or completeness of the information that a CFP® professional has provided. For example, CFP Board does not verify that CFP® professionals focus their practices in the specific areas they designate. It is your responsibility to ask the CFP® professional about his or her experience. You should interview and evaluate several financial professionals to find the one who is right for you. You will want to select a competent, qualified professional with whom you feel comfortable and who suits your financial planning needs. For sample questions to ask when interviewing a financial advisor, visit www.LetsMakeAPlan.org. Other than what we provide in these terms, CFP Board makes no representations or warranties of any nature – express or implied – with respect to the information obtained through Find a CFP® Professional , including whether the information is accurate or complete. The material included in or available through Find a CFP® Professional is for informational purposes only and is provided on an “AS IS” basis. When you rely upon the information obtained through Find a CFP® Professional , you do so at your own risk. CFP Board does not warrant or guarantee the work of any CFP® professional. You assume full responsibility for any interactions you have with a CFP® professional you contact. CFP Board is not liable for any decision you make or action you take when relying on information obtained from Find a CFP® Professional , or any damages (including incidental, consequential, and punitive damages) resulting directly or indirectly from your use of a CFP® Professional or your inability to use Find a CFP® Professional whether based on warranty, contract, tort, or any other legal theory, and whether or not CFP Board is aware or has been advised of the possibility of such damages. CFP Board provides links to the following websites that may provide other information about CFP® professionals: the Financial Industry Regulatory Authority’s (FINRA) BrokerCheck website (for professionals who are subject to FINRA’s oversight), the Securities and Exchange Commission’s (SEC) Investment Adviser Public Disclosure website (for those who are subject to the SEC’s oversight), the Office of the Comptroller of the Currency’s (OCC) Enforcement Actions website (for those individuals who are subject to OCC oversight), and the websites for the North American Securities Administrators Association and the National Association of Insurance Commissioners, which provide contact information for state securities regulators and state insurance departments. CFP Board is not responsible for the accuracy, reliability, or completeness of the information on these websites. When you use or rely on these websites, CFP Board cannot be held responsible or liable (directly or indirectly) for any loss or damage resulting from the content, goods, or services available on these websites.
Markdown	[Skip to main content](https://www.letsmakeaplan.org/financial-topics/topics-a-z/family-finances#main-content) [![CFP Board LMAP Logo](https://www.letsmakeaplan.org/assets/images/logo-cfp-lmap-horizontal-w-tagline.svg)](https://www.letsmakeaplan.org/) [Favorites](https://www.letsmakeaplan.org/find-a-cfp-professional/favorites) Open Menu [Home](https://www.letsmakeaplan.org/) Search Toggle Search Toggle - [Getting Prepared](https://www.letsmakeaplan.org/getting-prepared) [Open Sub Menu](https://www.letsmakeaplan.org/financial-topics/topics-a-z/family-finances) [Back](https://www.letsmakeaplan.org/financial-topics/topics-a-z/family-finances) - [The Value of Planning](https://www.letsmakeaplan.org/getting-prepared/the-value-of-financial-planning) - [Set Your Financial Goals](https://www.letsmakeaplan.org/getting-prepared/set-your-financial-goals) - [When You Should Make a Plan](https://www.letsmakeaplan.org/getting-prepared/when-you-should-make-a-financial-plan) - [The Planning Process](https://www.letsmakeaplan.org/getting-prepared/the-financial-planning-process) - 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[Topics A-Z](https://www.letsmakeaplan.org/financial-topics/topics-a-z) - [Family Finances](https://www.letsmakeaplan.org/financial-topics/topics-a-z/family-finances) Topics A-Z # Family Finances Key financial decisions for your family happen at all life stages—whether it’s merging finances when you get married, budgeting to help afford everyday expenses when you have children, tax breaks to help you pay for child care and save for college, and how to protect your income for your family if anything happens to you. ![Bridging the Generational Money Gap](https://www.letsmakeaplan.org/-/media/2026/lmap-article-1_27_26-generational-wealth.jpg?cx=0.48&cy=0.46&cw=675&ch=490&hash=9A7EDC14BD9221ED76FED2CA9C564030) ## Bridging the Generational Money Gap Through Values-Based Planning Learn how families can strengthen communication, align values, and prepare future generations for lasting wealth with guidance from a CFP® professional. [Read More](https://www.letsmakeaplan.org/financial-topics/articles/family-finances/bridging-the-generational-money-gap) ## The Latest [![How Couples Can Create Financial Resolutions That Last And Reflect Values ](https://www.letsmakeaplan.org/-/media/2025/lmap-articles/lmap-article-12_3_25-financialresolutions.jpg?cx=0.46&cy=0.61&cw=410&ch=300&hash=3D5A17662284436CED0B50D23EE66752) New Year, New Goals: How Couples Can Create Financial Resolutions That Last Nearly all Americans started the year with at least one financial goal, according to a survey by CFP Board.](https://www.letsmakeaplan.org/financial-topics/articles/planning-for-couples/how-couples-can-create-financial-resolutions-that-last-and-reflect-values) [![Navigate Financial Conversations With Family Without Tension ](https://www.letsmakeaplan.org/-/media/2025/lmap-articles/lmap-article-11_19_25-financialconversations.jpg?cx=0.52&cy=0.56&cw=410&ch=300&hash=E6C42FF9BE1A7ABF63788C784270328A) Navigate Financial Conversations With Family Without Tension The holidays are a time of joy, reflection and family. When families communicate openly and set clear financial expectations, they can reduce tension and focus on what really matters — spending meaningful time together and building a stronger future.](https://www.letsmakeaplan.org/financial-topics/articles/financial-planning/navigate-financial-conversations-with-family-without-tension) [![A kid is smiling and holding a sign "I'm Thankful" while seating at the holiday table](https://www.letsmakeaplan.org/-/media/2025/lmap-articles/lmap-article-11_12_25-holidayharmony.jpg?cx=0.54&cy=0.75&cw=410&ch=300&hash=8AC6877DC60672EE871404A3AD335191) Holiday Harmony For Blended Families Starts With A Financial Plan For blended families like ours, the holidays may not always be picture-perfect, and that is okay.](https://www.letsmakeaplan.org/financial-topics/articles/family-finances/holiday-harmony-for-blended-families-starts-with-a-financial-plan) [![Love, Money and Compromise: Managing Lifestyle Differences in Relationships](https://www.letsmakeaplan.org/-/media/2025/lmap-articles/lmap-article-10_22_25-love-and-compromise.jpg?cx=0.5&cy=0.56&cw=410&ch=300&hash=5F024FE826914A4B5BDC5D25489982FC) Love, Money and Compromise: Managing Lifestyle Differences in Relationships Every relationship requires compromise, but when it comes to money, compromise isn’t sacrificing your identity.](https://www.letsmakeaplan.org/financial-topics/articles/planning-for-couples/love-money-and-compromise) [![Family Finance Finding the Right Balance In Money Decisions](https://www.letsmakeaplan.org/-/media/2025/lmap-articles/lmap-article-10_14_25-family-v-finances.jpg?cx=0&cy=0&cw=410&ch=300&hash=27058909944E058BD2A008B0A23FCC79) Family Finances: Finding the Right Balance In Money Decisions From my own experiences, I’ve learned that it’s not a good idea to mix money with family, without clearly defined boundaries.](https://www.letsmakeaplan.org/financial-topics/articles/family-finances/family-finance-finding-the-right-balance-in-money-decisions) [![Family at the beach](https://www.letsmakeaplan.org/-/media/images/lmap/photos/full-width/topics/financial-planning/istock-594795453.jpg?cx=0.39&cy=0.61&cw=410&ch=300&hash=090CE3BAB5CBF091324B5C448A38E6E0) How to Plan for Summer Fun Through Financial Planning A CERTIFIED FINANCIAL PLANNER® professional can help you develop and commit to a savings plan that lets you enjoy everything the summer has to offer without setting aside your long-term financial goals.](https://www.letsmakeaplan.org/financial-topics/articles/financial-planning/how-to-plan-for-summer-fun-through-financial-planning) [![Preparing Family Finances Before Deployment](https://www.letsmakeaplan.org/-/media/2025/preparing-family-finances-before-deployment.jpg?cx=0&cy=0&cw=410&ch=300&hash=FCFC1F6931ED74B25CF09BFF5D49393E) Deploying Soon? How Servicemembers Can Prepare Their Family’s Finances Before the Mission Begins Deployment is a pivotal time requiring proactive financial preparation for you and your family. Before shipping out for duty, you can take actions to build financial support and stability. Here are some ways to secure your family’s financial future.](https://www.letsmakeaplan.org/financial-topics/articles/family-finances/how-servicemembers-can-prepare-family-finances-before-the-mission-begins) [![Tips-to-Help-with-Financial-Aid-For-College](https://www.letsmakeaplan.org/-/media/images/lmap/photos/full-width/topics/higher-education/tips-to-help-with-financial-aid-for-college.jpg?cx=0.57&cy=0.51&cw=410&ch=300&hash=DB3B08AD935AAEEB9A4B10DE85894B0A) Making the Grade: Smart Strategies for College Costs & Financial Aid Struggling with college costs? Learn top strategies for financial aid, scholarships, and student loans to make higher education more affordable.](https://www.letsmakeaplan.org/financial-topics/articles/higher-education/top-tips-for-managing-college-costs-and-financial-aid) [![Illustration of a couple handling money](https://www.letsmakeaplan.org/-/media/images/lmap/photos/full-width/topics/financial-planning/financial_and_budget_considerations_for_starting_a_family.jpg?cx=0.57&cy=0.51&cw=410&ch=300&hash=92D00B820E6A647350A9A2F6360A677D) 7 Essential Family Budget Questions to Ask Before Marriage Discussing finances before marriage is key to a strong future. Learn seven essential money questions to ask your partner to align goals and build trust.](https://www.letsmakeaplan.org/financial-topics/articles/family-finances/7-essential-family-budget-questions-to-ask-before-marriage) [![An adult holds the hand of a child.](https://www.letsmakeaplan.org/-/media/images/lmap/photos/full-width/topics/family-finances/financial_and_budget_considerations_for_starting_a_family.jpg?cx=0.53&cy=0.38&cw=410&ch=300&hash=7476E3D6FD7F91DD4F5331F5C2BBE446) Financial and Budget Considerations for Starting A Family Starting a family is a significant financial milestone that requires careful planning and preparation. By addressing these key areas, you can create a stable financial future for your growing family.](https://www.letsmakeaplan.org/financial-topics/articles/family-finances/financial-and-budget-considerations-for-starting-a-family) ## Find a CFP® Professional ## CFP® Professionals Near You [Not Your Location?](https://www.letsmakeaplan.org/financial-topics/topics-a-z/family-finances) Insights Delivered to Your Inbox © 2026 CFP Board. 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[![CFP Board LMAP Logo](https://www.letsmakeaplan.org/assets/images/logo-cfp-lmap-horizontal.svg)](https://www.letsmakeaplan.org/) Terms & Conditions *Terms and Conditions for the CFP Board Find a CFP® Professional* Search** These terms and conditions govern your use of the Find a CFP® Professional Search feature on Certified Financial Planner Board of Standards, Inc.’s (“CFP Board”) Let’s Make a Plan website (www.LetsMakeAPlan.org). Before using Find a CFP® Professional, you must read and agree to - these terms and conditions, and - CFP Board’s [Terms of Use](https://www.cfp.net/terms-of-use). Permitted Uses CFP Board publishes the Find a CFP® Professional as a reference source about CFP® professionals in the United States. It does not include all CFP® professionals – only those who choose to be included. Find a CFP® Professional may be used only by - members of the public to locate CFP® professionals and obtain information about them, and - individual CFP® professionals or their staff to view their own listings or those of colleagues. You may only use Find a CFP® Professional (as well as any of its data, listings, or other constituent elements) in the ways we describe in these Terms and Conditions. You may not - modify, download, republish, sell, license, duplicate, "scrape," or otherwise exploit the information – in whole or in part, or - use the information to offer products or services to CFP® professionals. CFP Board may block your use of this search tool indefinitely if it determines that you are using it for a different purpose. 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CFP Board does not verify and is not responsible for the accuracy, reliability, or completeness of the information that a CFP® professional has provided. For example, CFP Board does not verify that CFP® professionals focus their practices in the specific areas they designate. It is your responsibility to ask the CFP® professional about his or her experience. You should interview and evaluate several financial professionals to find the one who is right for you. You will want to select a competent, qualified professional with whom you feel comfortable and who suits your financial planning needs. For sample questions to ask when interviewing a financial advisor, visit [www.LetsMakeAPlan.org.](https://www.letsmakeaplan.org/) Other than what we provide in these terms, CFP Board makes no representations or warranties of any nature – express or implied – with respect to the information obtained through Find a CFP® Professional, including whether the information is accurate or complete. The material included in or available through Find a CFP® Professional is for informational purposes only and is provided on an “AS IS” basis. When you rely upon the information obtained through Find a CFP® Professional, you do so at your own risk. CFP Board does not warrant or guarantee the work of any CFP® professional. You assume full responsibility for any interactions you have with a CFP® professional you contact. CFP Board is not liable for - any decision you make or action you take when relying on information obtained from Find a CFP® Professional, or - any damages (including incidental, consequential, and punitive damages) resulting directly or indirectly from your use of a CFP® Professional or your inability to use Find a CFP® Professional whether based on warranty, contract, tort, or any other legal theory, and whether or not CFP Board is aware or has been advised of the possibility of such damages. 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You may only use Find a CFP® Professional (as well as any of its data, listings, or other constituent elements) in the ways we describe in these Terms and Conditions. You may not - modify, download, republish, sell, license, duplicate, "scrape," or otherwise exploit the information – in whole or in part, or - use the information to offer products or services to CFP® professionals. CFP Board may block your use of this search tool indefinitely if it determines that you are using it for a different purpose. Disclaimer of Warranties and Liabilities CFP Board verifies that the individuals accessible through Find a CFP® Professional currently hold CFP® certification, however - if a CFP® professional is included in this search feature, it does not imply that CFP Board refers, endorses, or recommends the CFP® professional, and - if a CFP® professional is omitted from this search feature, it does not indicate CFP Board’s disapproval. CFP Board also provides information about whether or not the individuals accessible through Find a CFP® Professional - have been disciplined publicly by CFP Board, or - have made a bankruptcy disclosure to CFP Board that is scheduled to remain on CFP Board’s website according to the CFP Board Bankruptcy Disclosure Procedures that were in effect until June 30, 2020. CFP® professionals provide all other information disclosed through Find a CFP® Professional. CFP Board does not verify and is not responsible for the accuracy, reliability, or completeness of the information that a CFP® professional has provided. For example, CFP Board does not verify that CFP® professionals focus their practices in the specific areas they designate. It is your responsibility to ask the CFP® professional about his or her experience. You should interview and evaluate several financial professionals to find the one who is right for you. You will want to select a competent, qualified professional with whom you feel comfortable and who suits your financial planning needs. For sample questions to ask when interviewing a financial advisor, visit [www.LetsMakeAPlan.org.](https://www.letsmakeaplan.org/) Other than what we provide in these terms, CFP Board makes no representations or warranties of any nature – express or implied – with respect to the information obtained through Find a CFP® Professional, including whether the information is accurate or complete. The material included in or available through Find a CFP® Professional is for informational purposes only and is provided on an “AS IS” basis. When you rely upon the information obtained through Find a CFP® Professional, you do so at your own risk. CFP Board does not warrant or guarantee the work of any CFP® professional. You assume full responsibility for any interactions you have with a CFP® professional you contact. CFP Board is not liable for - any decision you make or action you take when relying on information obtained from Find a CFP® Professional, or - any damages (including incidental, consequential, and punitive damages) resulting directly or indirectly from your use of a CFP® Professional or your inability to use Find a CFP® Professional whether based on warranty, contract, tort, or any other legal theory, and whether or not CFP Board is aware or has been advised of the possibility of such damages. CFP Board provides links to the following websites that may provide other information about CFP® professionals: - the Financial Industry Regulatory Authority’s (FINRA) BrokerCheck website (for professionals who are subject to FINRA’s oversight), - the Securities and Exchange Commission’s (SEC) Investment Adviser Public Disclosure website (for those who are subject to the SEC’s oversight), - the Office of the Comptroller of the Currency’s (OCC) Enforcement Actions website (for those individuals who are subject to OCC oversight), and - the websites for the North American Securities Administrators Association and the National Association of Insurance Commissioners, which provide contact information for state securities regulators and state insurance departments. CFP Board is not responsible for the accuracy, reliability, or completeness of the information on these websites. When you use or rely on these websites, CFP Board cannot be held responsible or liable (directly or indirectly) for any loss or damage resulting from the content, goods, or services available on these websites.
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