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NFL Week One Odds Released: Bronco's Host The Seahawks

(NewsUSA) - - The 2022-23 NFL season kicks off Thursday, Sept. 8, as a marquee matchup headlines several intriguing matchups. Here is a look at what you can expect.

Game of the Week

Buffalo Bills (+1) at Los Angeles Rams (-1)

The season kicks off September 8th in a game featuring the defending Super Bowl champions facing the current AFC favorites -- and the tightest opening point spread of Week One, with just a single point separating the teams.

The Rams will begin their title defense when they host the Bills in primetime on Thursday night. With two of the league's best arms -- Matthew Stafford and Josh Allen -- and a gauntlet of weapons, you can expect a high-scoring battle between two of the NFL's top eight scoring offenses from last year. BetUS.com has the total (or over/under) pegged at 52.5 at press time.

Top Storyline

Denver Broncos (-3.5) at Seattle Seahawks (+3.5)

The first week's most talked- about story will almost certainly be the last game of the week, when Denver's Russell Wilson meets an old friend in a familiar location.

The star quarterback will make his Broncos debut in Seattle, where he played his first 10 professional seasons before being traded in the offseason.

All of this will be on Monday Night Football, where Wilson sports a 10-3 record. It would be hard to ask for a more dramatic scene as one of the biggest revenge games of this or any season on September 12th. Denver opened as -3.5 favorites and, according to BetUS, early action on the game is favoring the Broncos despite the team is on the road 

Other AFC West Matchups

Raiders (+4) at Chargers (-4). Total: 51.5

The last time we saw the Chargers, they were being dramatically eliminated from the playoffs by the Las Vegas Raiders, 35-32, in the regular season finale. That was the fifth time in the last six meetings that the game was decided by a touchdown or less. Their opening week rematch could, yet again, have major playoff repercussions in a hotly contested division.

Chiefs (-3) at Cardinals (+3). Total: 53

Defending AFC West champ Kansas City will start its season in Arizona, the first of eight consecutive opponents for the Chiefs which had winning records last season.

Other Intriguing Games

Tampa Bay (-2.5) at Dallas (+2.5). Total: 52

For the second consecutive season, NFC favorite Tampa Bay will face Dallas in a primetime slot. The Buccaneers snuck by the Cowboys 31-29 in a thrilling battle to kick off the 2021-22 season. A similar result could be expected this time around, according to the opening odds posted by BetUS, where the Bucs opened as a 2.5-point favorite. A more appealing wager might be the over 52 points.

Pittsburgh (+7) at Cincinnati (-7). Total: 44

The Bengals start their defense of the AFC crown at home against the Steelers, who are entering a new era following the retirement of Ben Roethlisberger. Cincinnati has won the last three matchups by an average margin of 18, and the Steelers have managed just one, first-half touchdown in that stretch. Despite those stats, bookmakers opened the Bengals as only a 7-point favorite -- a line many bettors are sure to find tempting. 

Here is the full opening week schedule with the latest NFL lines:

Thursday, Sept. 8

Bills at Rams (-1). Total: 52.5

Sunday, Sept. 11

Ravens (-5) at Jets. Total: 45
Saints (-3.5) at Falcons. Total: 42
Patriots at Dolphins (-3). Total: 45
Browns (-4.5) at Panthers. Total: 43.5
Steelers at Bengals (-7). Total: 44.5
49ers (-7) at Bears. Total: 42
Eagles (-4) at Lions. Total: 46.5
Colts (-9) at Texans. Total: 44
Jaguars at Commanders (-3.5). Total: 44
Chiefs (-3) at Cardinals. Total: 53
Raiders at Chargers (-4). Total: 51.5
Packers (-1.5) at Vikings. Total: 49
Giants at Titans (-7). Total: 44
Buccaneers (-2.5) at Cowboys. Total: 52

Monday, Sept. 12

Broncos (-3.5) at Seahawks. Total: 41 

Lines are subject to change. Check the latest NFL Week One odds.

Baseball Bettors Find Value in World Series Futures Markets

But what every sports fan might not know is that now is the time to find some of the best odds to bet your favorite teams to win this year's World Series. We're talking about betting futures, and they offer some of the best chances of scoring a big payday this baseball season.

The first step is finding the best value for your money, so you need to choose teams that play good baseball but still have odds that offer you, the sports bettor, a decent return should they go all the way this year. For example, there is plenty of risk but not much reward in betting the 5.5-to-1 odds on the Los Angeles Dodgers to become this year's World Series champs, according to Barry Barger, a senior betting analyst at BetUS.com, an online sportsbook that is a favorite for baseball bettors across the country. The NL West team is loaded, but also is in a division which every team is playing solid baseball.

One team that gave the Dodgers a run for their money in 2021 is the San Francisco Giants. And you can get both San Francisco and the San Diego Padres at 17-1 odds on the World Series futures market at BetUS.

The current World Series champions - the Atlanta Braves - surprised last year, yet are currently offered at generous 15-to-1 odds to do it again this year because of a sluggish start and the strong play of the New York Mets. "Remember, this is a 162-game season plus the grind of the playoffs, so intriguing betting opportunities will abound," Barger says.

Another team on the West Coast is also offering attractive odds. Currently, the Los Angeles Angels carry 21-1 odds to win the World Series at BetUS. And along with the Angels comes Mike Trout, Shohei Ohtani, Anthony Rendon and a ton of talent. "If the Angels stay healthy, it could make their fans a lot of money this year," according to Barger.

Meanwhile, The Tampa Bay Rays sit at 17-1 and they are off to a more than solid start. This club has had so much success in recent years, it figures to somehow, someway earn the World Series trophy for the first time.

A touch below the Rays are the Milwaukee Brewers, another squad that wins a lot of games but just not at the right time. They look enticing at 15-1.

Not far behind the Brewers in the NL Central,, but trailing them significantly on the Futures market are the St. Louis Cardinals, who are 34-1. That is a franchise with great success in the postseason and is never a surprise when it succeeds.

Another team offering potentially more excitement and bang for your betting dollar are the Minnesota Twins. The Twins are showing plenty of spark and life - and BetUS currently offers them at 34-1 to win the World Series this year.

Before placing their bets, fans should review all the current odds to win the 2022 World Series because odds often change as the season progresses.

Baseball Fans Should Choose World Series Futures Now for The Best Odds: Experts

(NewsUSA) - May is here and baseball season is in full swing. Of course, the regular season offers any number of opportunities to beat the sportsbooks, as long as you keep a close eye on the MLB odds and MLB lines for the best value.

But what every sports fan might not know is that now is the time to find some of the best odds to bet your favorite teams to win this year's World Series. We're talking about betting futures, and they offer some of the best chances of scoring a big payday this baseball season.

The first step is finding the best value for your money, so you need to choose teams that play good baseball but still have odds that offer you, the sports bettor, a decent return should they go all the way this year. For example, there is plenty of risk but not much reward in betting the 5.5-to-1 odds on the Los Angeles Dodgers to become this year's World Series champs, according to Barry Barger, a senior betting analyst at BetUS.com, an online sportsbook that is a favorite for baseball bettors across the country. The NL West team is loaded, but also is in a division which every team is playing solid baseball.

One team that gave the Dodgers a run for their money in 2021 is the San Francisco Giants. And you can get both San Francisco and the San Diego Padres at 17-1 odds on the World Series futures market at BetUS.

The current World Series champions - the Atlanta Braves - surprised last year, yet are currently offered at generous 15-to-1 odds to do it again this year because of a sluggish start and the strong play of the New York Mets. "Remember, this is a 162-game season plus the grind of the playoffs, so intriguing betting opportunities will abound," Barger says.

Another team on the West Coast is also offering attractive odds. Currently, the Los Angeles Angels carry 21-1 odds to win the World Series at BetUS. And along with the Angels comes Mike Trout, Shohei Ohtani, Anthony Rendon and a ton of talent. "If the Angels stay healthy, it could make their fans a lot of money this year," according to Barger.

Meanwhile, The Tampa Bay Rays sit at 17-1 and they are off to a more than solid start. This club has had so much success in recent years, it figures to somehow, someway earn the World Series trophy for the first time.

A touch below the Rays are the Milwaukee Brewers, another squad that wins a lot of games but just not at the right time. They look enticing at 15-1.

Not far behind the Brewers in the NL Central,, but trailing them significantly on the Futures market are the St. Louis Cardinals, who are 34-1. That is a franchise with great success in the postseason and is never a surprise when it succeeds.

Another team offering potentially more excitement and bang for your betting dollar are the Minnesota Twins. The Twins are showing plenty of spark and life - and BetUS currently offers them at 34-1 to win the World Series this year.

Before placing their bets, fans should review all the current odds to win the 2022 World Series because odds often change as the season progresses.

Divvy Homes Is on a Mission to Make Homeownership More Accessible

(NewsUSA) - Recent inflationary pressure, challenging financial circumstances and a looming rise in interest rates have made aspiring homeowners across the country feel like the dream of owning their home is slipping away from them. This situation may seem bleak, but San Francisco-based start-up, Divvy Homes offers aspiring homeowners another option to make their dreams a reality.

Divvy Homes is dedicated to making homeownership more accessible to American families. The company has designed a program for would-be homeowners who don't quite qualify for a traditional mortgage because of tighter lender requirements, not quite enough savings or a range of other reasons.

Divvy helps by offering a program that allows customers to build savings with their Divvy payment, boost their credit score through free credit counseling and ultimately position themselves to qualify for a traditional mortgage at the end of their three-year lease. If a customer is ahead of schedule and wants to purchase before their lease ends, they can buy their home from Divvy whenever they are ready.

Here's how it works:

- Qualify. The process starts when buyers complete a five-minute online application. Divvy requires a minimum household income of $2,500 per month and proof of three months of income. It will then run a soft credit check, complete a background check and ask for a government-issued ID. Once approved, the customer receives a home-buying budget and pairs up with a real estate agent to start shopping. Already have an agent? Not a problem. Divvy knows the homefinding process is personal and will work with the agent of the customer's choice.

- Buy. Once the customer finds their dream home, Divvy bids to purchase the property. When a bid is successful, customers can expect a quick closing process so they can get the keys and move in.

- Save. The customer contributes a payment of one to two percent of the home's value at the beginning of the lease. That money is held on behalf of the customer to be used toward a down payment when the customer is ready to purchase the home. In addition to the initial payment, up to 25 percent of each monthly payment goes toward saving for a down payment. It's a plan that combines the flexibility of renting with the benefit of a savings program that prepares customers for the wealth-building power of homeownership when they are ready.

- Own. The potential homeowner builds up to 10 percent of the home's value over their three-year lease, but they can elect to obtain a mortgage and buy the home at any time. Change of heart? Customers can walk away from the arrangement and cash out their savings, net of a relisting fee.

Divvy has a consistent and growing record of creating new homeowners across the country. It has closed more homes in 2021 alone than in the past four years and doubled their market share since the beginning of 2021. Divvy customers have exercised their option to purchase their homes at a rate of nearly 50 percent -- well above the conversion rates of industry competitors.

The Divvy Homes program is currently available in 16 metropolitan areas across the United States: Atlanta, GA; Cincinnati, OH; Cleveland, OH; Dallas, TX; Denver, CO; Ft Lauderdale, FL; Houston, TX; Jacksonville, FL; Memphis, TN; Minneapolis, MN; Miami, FL; Orlando, FL; Phoenix, AZ; San Antonio, TX; St. Louis, MO; and Tampa, FL.

Visit divvyhomes.com for more information.

 

Strategies for a Smooth Retirement on a Fixed Income

(NewsUSA) - When making financial plans for retirement on a fixed income, remember that your retirement life at the beginning is not how it will continue indefinitely. A CERTIFIED FINANCIAL PLANNERTM professional will assist you in creating a smooth retirement plan that best fits your needs over time. "Your retirement will evolve in phases as your priorities change," says Cary Carbonaro, CFP.® "One of the most important things you can do right now is understand how your retirement will change and then budget for those different phases."

Carbonaro suggests thinking of retirement in three phases:

  • Early: The early years of retirement are the years when most retirees enjoy good health and are free of work and child-rearing, allowing travel and other activities to play a larger role in the budget.
  • Middle: This phase can be considered a slowing-down and transitional phase for many. Changes in health, legacy and other goals will impact financial plans and budgeting.
  • Late: Late retirement is when healthcare and other similar issues take priority.

Regardless of your phase of retirement, it's important to consider all your sources of retirement income. For most people, these include savings, investments and Social Security. Some people also have a pension plan from a former employer.

Keys to successful financial planning on a fixed income include:

  • Organizing withdrawals. You can choose to withdraw from retirement accounts monthly, but other options are annual, semi- annual or quarterly. Set up a plan that meets your needs.
  • Budgeting. Your fixed-income budget will likely evolve, but it is important to have a plan in place so you can balance money for fun and adventure with a cushion for unexpected retirement expenses that could drain your savings.
  • Considering costs. One often-overlooked expense when planning a retirement budget is the taxes on retirement account withdrawals. Carbonaro recommends withholding at least 20% to 25% of a withdrawal for taxes.

When developing a financial plan, retirees on a fixed income should also factor in the need for long-term care, which might involve paying for personal assistance with bathing, dressing and taking medications.

Caring for adult children also is becoming a more common source of costs for retirees. Census data suggest that more than one-third of adults aged 18 to 34 are living in their parents' home. In some cases, the situation is reversed, and retirees find themselves moving in with their adult children, either as a matter of preference or because of the expense of long-term care.

For more information on financial planning strategies on a fixed income, visit LetsMakeAPlan.org.

 

BookTrib's Bites: A Plethora of Intriguing Reading

The Bus to Beulah"The Bus to Beulah"
by E.C. Hanes

On her way to a new job in America, Maria Puente accidentally discovers a human- trafficking ring. Fearing exposure, the American company that manages it kidnaps Maria.

Maria's disappearance triggers a desperate search to find her before the kidnappers can permanently dispose of her. As the investigation unfolds, longtime Hogg County high sheriff Will Moser confronts Albert Waters, a powerful businessman who Will suspects knows about Maria's disappearance -- but Albert and his Mexican cartel partners prove to be brick walls.

Will calls on Elijah Kahn, a man he got to know while serving in Vietnam who now runs one of the world's largest international security firms. This taut thriller culminates in a heart-pounding chase to save Maria. Purchase athttps://amzn.to/3dMQfBs .

Blockchain Ethics: Fighting Honorable Battles"Blockchain Ethics: Fighting Honorable Battles"
by Jamil Hasan

A continuation of the Blockchain Ethics consumer guide series that author Jamil Hasan first penned in 2018. He continues to address important trends in the media plaguing the retail consumer's ability to effectively and accurately understand the benefits of cryptocurrencies and blockchain technology: specifically, media disinformation and misinformation.

The author examines the more than 400 times that Bitcoin has been pronounced dead by "experts" in the mainstream media and dispels Bitcoin's demise by sharing excerpts from guests' podcast interviews while hosting them at the weekend Crypto Corner Podcast. He tackles conversations with entrepreneurs, founders and business leaders, providing readers with an ethical guide to understanding Bitcoin, free from media bias against the popular cryptocurrency. Purchase at https://amzn.to/35UgFAZ.

A Promise for His Daughter"A Promise for His Daughter"
by Danielle Thorne

His latest project has a two-year-old surprise.

Fatherhood wasn't what Bradley Ainsworth expected to find at Henny House. The run-down Victorian is his best shot at proving himself as a historic renovator, but the new owner has no interest in recreating the past. Claire Woodbury and her foster daughter, Emily, are focused on the future -- until everyone learns that Emily is Bradley's daughter. Does that future have room for him as a father…and more?

The author has written more than 25 books including, romantic adventures and historical novels. This book is part of the Love Inspired Inspirational Romance Series, in which readers fall in love with stories where faith helps guide them through life's challenges, and they discover the promise of a new beginning. Purchase at https://books2read.com/DanielleThorne.

The Prison Minyan"The Prison Minyan"
by Jonathan Stone

Welcome to Otisville, America's only Jewish prison . . . rugelach, blintzes and a quest for vengeance from the highest tier of the US government. A crew of fraudsters, tax evaders, trigamists, and forgers discuss matters of right and wrong in a Talmudic study and prayer group, led by a rabbi who's a fellow convict.

As the only prison in the federal system with a kosher deli, Otisville is the penitentiary of choice for white-collar Jewish offenders. When the regime is toughened to punish a newly arrived celebrity convict who has upset the 45th president, they find devious ways to fight back.

Stone brings the sensibility of Saul Bellow and Philip Roth to the post-truth era in a sharply comic novel that is also wise, profound and deeply moral. Purchase at https://amzn.to/367Xwf7.

NOTE: BookBites is presented by BookTrib.com.

Financial Planners Reflect on Barriers, Opportunities in the Profession

NewsUSA

(NewsUSA) - Creating a financial planner workforce that reflects the changing demographics of wealth in the United States is important for ensuring the long-term success of the profession and the ability of Americans to access the advice they need.

In recent years, significant progress has been made in attracting more women, people of color, and young individuals into the field. The number of CFP® professionals under age 30 has increased by 83% since 2016; 6,032 new women have joined the ranks of CFP® professionals, bringing the total to 20,632; and the number of Black and Latino CFP® professionals , including those who self-identified as biracial Black and Latino, grew to 3,688 in 2020.

Recruiting, however, is just one piece of the puzzle.

Creating a more diverse and sustainable workforce also requires cultivating an environment in which financial planners want to build a career.

"As awareness of the financial planning profession continues to spread and we attract more ethically and racially diverse talent, the challenge continues to be retaining and supporting these thriving professionals," explains Rianka Dorsainvil, CFP®, Co-CEO of 2050 Wealth Partners.

In part, such support means helping financial planners feel comfortable in the field and recognize the unique skills and perspectives they bring.

"Even though I didn't necessarily look like most everyone else in the profession, I wish I realized then the power of being able to connect with someone who shares my background," says Marguerita Cheng, CFP®, CEO of Blue Ocean Global Wealth.

"There are many people from different walks of life who could benefit from the services provided by a financial planner. And the personality traits that might appeal to one person or demographic, may not resonate quite as well with women or people of color," Cheng says.

Jeanne Fisher, CFP®, CPFA, with Strategic Retirement Partners, notes that this is why financial planners need to harness their differences.

"Being a woman can be an advantage -- not a disadvantage. Embrace it. Don't try to 'fit in with the guys.' Our different approach, and the fact that we are naturally more empathetic, works in our favor," she says.

Early in her career, Dorsainvil says she felt that "in order to fit in I needed to code-switch. I could not be my authentic self." Not only was it exhausting to constantly change mannerisms or appearance to feel like she belonged with a specific audience, Dorsainvil says doing so also ignored the fact that no matter where you come from, what you look like, how you grew up or your circumstances, you can be successful in this profession for who you are and what you bring to the table.

Dorsainvil adds that overcoming that mindset and the barriers that keep women and people of color from entering or staying in the profession requires allies in the financial advisory space to act in solidarity with marginalized groups and unlearn what they think they know about race and ethnicity.

Phuong Luong, CFP®, a financial planner with Just Wealth, LLC, explains that this means having difficult conversations.

The profession "cannot truly be inclusive until we see why we've been exclusive for so long," she says, adding that financial planning as a whole is in a unique and privileged position to facilitate the reckoning that will ultimately help people become the most honest and realized versions of themselves

"If we get comfortable talking about race, imagine what we could do."

To learn more from diversity, equity and inclusion thought leaders and best practices visit www.CFP.net and plan to attend the 4th Annual Diversity Summit, taking place virtually November 17-18.

 

Planning Your Financial Future with A Professional You Can Trust

(NewsUSA) - (NewsUSA) - Financial planning can be complex, so when you seek guidance in planning your financial future, it's essential to work with someone you can trust.

A CERTIFIED FINANCIAL PLANNER™ professional makes a commitment to CFP Board to act as a fiduciary, which means acting in their clients' best interests at all times when providing financial advice. You should want a financial adviser who makes this commitment directly to you. Therefore, whomever you choose as your financial professional, including a CFP® professional, you should consider getting a written engagement that requires them to have a fiduciary obligation to you.

Professional standards are important to protect consumers. CFP Board's Code and Standards sets forth the commitment that all CFP® professionals make to CFP Board. This includes duties to maintain the confidentiality and protect the privacy of client information.

In addition, CFP® professionals commit to CFP Board to disclose any conflicts of interest that might affect the professional relationship and compromise the CFP® professional's ability to act in their clients' best interests.

Approximately one year ago, CFP Board updated its Code and Standards to mandate that all CFP® professionals commit to CFP Board to act as fiduciaries for their clients when providing financial advice.

"Simply put, someone acting as a fiduciary should deliver financial advice that is clear, specific, objective and thorough," says Dan Candura, a CFP Board Emeritus® member and Founder of Candura Group, LLC.

Professionals who follow CFP Board's Code and Standards commit to fulfilling three key duties as part of their fiduciary duty:

- Duty of Loyalty. This means putting their clients' interests first.

"Your interests should be placed above the interest of the CFP® professional and the CFP® professional's firm," according to CFP Board's website.

- Duty of Care. This means being careful, acting with prudence and diligence in making recommendations to clients.

For example, if you receive a sudden windfall of money that you want to delay investing, a CFP® professional who abides by a commitment to CFP Board will review the reasonable options and consider factors such as risks and interest rates in making the best recommendation.

- Duty to Follow Client Instructions. This means complying with all objectives, policies, restrictions, and other terms on which you have agreed, and "all reasonable and lawful directions of you, the client," according to CFP Board.

"Meeting these three duties enables CFP® professionals to honor their commitment to CFP Board to act as a fiduciary, in the client's best interest. Certainly, that is what every client deserves," Candura says.

To learn more about how CFP Board's Code and Standards for CFP® professionals help protect consumers, visit LetsMakeAPlan.org.

 

Why Women Benefit from Financial Planning

NewsUSA

(NewsUSA) - As we celebrate Women's History Month, we take time to reflect on the important contributions women of different backgrounds have made to our country and on the importance of diversity and inclusion in our communities and economy.

We should also celebrate the women serving their communities as financial planners and emphasize that gender diversity and inclusion in the financial planning profession is very good for business.

Attracting and retaining an inclusive, gender-diverse financial planner workforce that better reflects the United States population's shifting demographics has been a central, profession-wide focus in recent years, particularly following the 2015 launch of the CFP Board Center for Financial Planning. The Center is driven to create a more diverse and sustainable financial planning profession, working to provide financial planning advice to all Americans who need it -- regardless of their background or personal financial situation.

Here are some reasons why women benefit from financial planning and why more women need to become financial planners:

  • Financial planning helps women achieve their financial goals. Talking to a CERTIFIED FINANCIAL PLANNER™ professional is a smart investment for women at any stage of life. If you are just beginning your career, a financial planner can help with paying your bills, managing debt and saving for your future. As you get older and your financial life becomes more complicated, a financial planner can help you determine your financial priorities and juggle competing needs. Whether buying a house, navigating a career transition, saving for your kids' education, or enjoying a fulfilling retirement, a sound financial plan grows with you and can be adjusted as your needs and goals change.
  • Financial planning gives women confidence. All women should have access to a competent, ethical financial planner who can provide guidance for making complicated financial decisions, so you can have less stress, more confidence and more time to focus on other things. No matter who you are, financial planning can provide financial security for you and your family.
  • Financial planning should reflect women's increased buying power. Women are an increasingly important demographic for the financial services industry. They compose 51 percent of the U.S. population, and not only outnumber men in graduating from college, but also represent the majority of the workforce. Women now have increased buying power and make most consumer purchasing decisions for their families. Additionally, the economic challenges during the COVID-19 pandemic have highlighted the importance of competent, ethical financial planning.

Women today recognize the need for financial advice and the benefits of working with a CFP® professional. This need will go unmet unless the population of CFP® professionals more closely reflects the demographics of the public they serve.

We are making progress. By the end of 2020, the number of female CFP® professionals increased to an all-time high of 20,633 - 23.3 percent of all CFP® professionals -- reflecting growth of 3.1 percent since 2019. It's a significant milestone, but we will continue to work hard to achieve gender diversity and inclusion in the financial planning profession.

To find a CFP® professional near you, visit letsmakeaplan.org today to get started.

Jocelyn D. Wright, CFP® is special advisor for gender diversity for the CFP Board Center for Financial Planning.

Financial Planning Offers Rewarding Career Opportunities for Diverse Graduates

NewsUSA

(NewsUSA) - If you're looking for a rewarding career complete with growth potential, and the satisfaction of helping others, financial planning could be your perfect fit. From striking out on your own to working at firms big or small helping families and individuals meet their financial goals and plan for the future, there are a variety of career options within the profession.

Today more than ever, diverse candidates can find myriad opportunities to enter and flourish within the financial services profession. An increasing number of firms that hire financial planners have implemented robust initiatives to foster greater diversity among their workforce and alleviate barriers to entry. These hiring initiatives don't show signs of slowing, as demand for competent, ethical financial advice continues to grow. In fact, the Bureau of Labor Statistics projects the need for an additional 11,600 advisors by 2029.

By joining the field, diverse graduates can help ensure the workforce is more representative of the population it serves while also better reaching and assisting diverse communities. Monique Jones, a student at North Carolina State University, explains that these factors were key in her decision to work toward entering the financial planning profession. "I aspire to aid in improving the accessibility of the portfolio of services offered by the industry to underserved and under-sought communities," she says.

Those interested in pursuing the profession can further distinguish themselves with potential employers by becoming a CERTIFIED FINANCIAL PLANNERTM professional, also known as a CFP® professional. CFP® professionals must meet rigorous education, experience, and ethical qualifications, and employers are increasingly seeking out the certification as the most desired credential in the financial planning field.

What's more, 83% of today's CFP® professionals say they have a competitive edge over other financial advisors, while 86% report that certification has had a positive impact on their career satisfaction. William Ohakam, who received a 2019 Envestnet scholarship to help defray the cost of becoming a CFP® certificant, explains that "obtaining the CFP® certification will enable me to provide additional value and create a more in-depth wealth management experience for my clients."

According to Yorri Berry, a 2020 Facet Wealth Scholar, becoming a CFP® professional means more than just a boost in the hiring process. "This investment will allow me to spend my career working to build equity so all clients and financially vulnerable communities have access to wealth," Berry says.

Joining the financial planning profession can open the door to a fulfilling, lifelong career, and at the same time help increase diversity in the workforce so that it better serves the U.S. population. If you'd like to learn more about opportunities in financial planning or CFP® certification and scholarship opportunities, visit www.cfp.net.

 

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