#Cfs designation pro#
#Cfs designation professional#
#Cfs designation series#
#Cfs designation free#

This ability to swim in strong current and hold their breath is what allows them to thrive where food is difficult for most animals to access.

Females and younger iguanas feed in the intertidal zones while the larger males are strong enough to dive for algae, sometimes as deep as 30m (98ft) and can spend as long as one hour underwater. The iguanas adapted to life here by eating the algae that grows along the shore and under the waves. During the dry season, there would be no food and no fresh water. These iguanas live in a hostile climate where water and vegetation is scarce for much of the year. When the islands formed, they found their way ashore on the new structures and made them their homes.

Marine iguanas are believed to have evolved 8-9 million years ago when they inhabited parts of the archipelago that are now submerged. In some cases, animals were brought here unintentionally, adrift on the masses of floating vegetation or on the ocean currents. The Galapagos Islands formed 4 million years ago and life found its way here. These lizards are descended from land iguanas that needed fresh water and terrestrial vegetation to survive. Marine iguanas are incredible examples of adapting and evolving to survive in impossible conditions and harsh climates. The post What Is a Certified Fund Specialist (CFS)? appeared first on SmartAsset Blog. Photo credit: В©/damircudic, В©/fizkes, В©/MIND_AND_I If youвЂ™re ready to be matched with local advisors that will help you achieve your financial goals, get started now.

#Cfs designation free#

SmartAssetвЂ™s free tool matches you with financial advisors in your area in just 5 minutes. Finding the right advisor that fits your needs doesnвЂ™t have to be hard. To make sure your money is working hard for you, consider consulting a financial advisor. YouвЂ™ll learn about a companyвЂ™s fee structure, their assets under management (AUM), and if they have any disciplinary issues on record. Request a Form ADV, or other forms a financial firm files with the Securities & Exchange Commission. See what type of clients they work best with and what their specializations are. Definitely ask if they are a fiduciary, which means theyвЂ™re required to act in your best interest and not in theirs, and inquire about any certifications, education and work experience. Before you fork over your hard-earned dollars to someone, research to see if theyвЂ™re legitimate. Not everyone who calls themselves a financial expert is actually one. If youвЂ™re an investor looking for someone with specific knowledge of mutual funds, working with a CFS might be your best bet. A certified fund specialist has demonstrated expertise in the management of mutual funds, with the education and designation to prove it. And while the number of people doling out financial advice is large, not everyone can show theyвЂ™ve mastered the ins and outs of mutual funds, ETFs and other similar investments. In addition, they can handle specific requests for your fund portfolio and recommend actions based on what is best for you and not necessarily what is best for everyone else.ДЄccording to IBF, one in three Americans owns shares of a mutual fund.

A good CFS should be able to clearly explain which stocks and securities are worthwhile investments and which ones should be skipped. The goal of a certified fund specialist is to help clients understand their investments without overcomplicating them.

#Cfs designation series#

Note, though, that a CFS is not licensed to buy or sell mutual funds unless they obtain a Series 6 license. Taking all your other investments into consideration, a CFS can offer you advanced fund analysis and advice on asset allocation, portfolio construction, risk management and estate planning. When you work with a certified fund specialist, theyвЂ™ll be able to advise you not only on the best mutual funds, but also related topics, including exchange-traded funds (ETFs), real estate investment trusts (REITs) and close-ended funds.

#Cfs designation pro#

Developed in 1988 and issued by the San DiegoвЂ“based Institute of Business and Finance (IBF), the credential is among the oldest certifications a financial pro can earn.

#Cfs designation professional#

The CFS certification indicates that a financial professional is skilled at managing mutual funds and developing sophisticated investment strategies. The Certified Fund Specialist Designation Learn more about the qualifications for earning a CFS credential and how working with one can up your investment game. The certification is typically obtained by those already working in the financial industry, including accountants, investment bankers, brokers, money managers and certified financial planners. A certified fund specialist (CFS) is a financial services professional who has acquired advanced expertise in choosing and managing mutual funds.