"It's like the facts of life talk with our kids; no one wants to have it, but you have to do it," says Eleanor Blayney, consumer advocate for the Certified Financial Planner Board of Standards.

“这有点像跟孩子讨论性知识，没人想这样，但你必须得做。”注册金融策划师标准委员会的消费者权益倡导者埃莉诺·布莱尼说道。

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The Certified Financial Planner Board of Standards, for instance, certifies candidates who successfully pass extensive exams on topics including asset protection planning, taxes, insurance, estate planning and retirement.

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The websites of the Certified Financial Planner Board of Standards (cfp.net) and the National Association of Personal Financial Advisors (napfa.org), have membership directories, listing hundreds of advisers in all parts of the country, that allow users to search by name or location.

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An important one is Certified Financial Planner, a designation awarded by the CFP Board of Standards in Denver after classes, some work experience, an exam and a pledge to abide by a code of ethics.

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