Affiliations
Summit Financial Planning, Inc. is a proud member of the following societies and adheres to their standards of professional excellence and integrity:
 Commitment to Setting a Higher Standard
Jennifer Luzzatto has been granted the internationally recognized CFA® designation which demonstrates a balanced approach to investments, academic discipline and practical experience that is unique in the investment industry. In order to earn the CFA® status, a candidate must complete three six-hour exams over a three-year period based on a rigorous graduate level curriculum, which encompasses financial accounting, portfolio management, in-depth fixed-income and equity analysis and derivative securities. In addition, a candidate must have at least three years of experience participating in the investment decision-making process. Also, the CFA must agree to abide by the code of ethics and standards of professional conduct set forth by the CFA Institute.
FPA® Commitment to Professionalism
Jennifer Luzzatto is member of the Financial Planning Association™ (FPA), a membership organization for the financial planning community. FPA is the largest association of professionals dedicated to championing the financial planning process. FPA members are committed to supporting the financial planning process and to helping people make smarter decisions to achieve their goals and dreams. FPA believes that everyone needs professional, objective advice to make smart financial decisions and that when seeking the advice of a financial planner, the planner should be a CERTIFIED FINANCIAL PLANNER™ certificant.
 Commitment to Continued Education
The Certified Financial Planner Board of Standards is a professional regulatory organization which promotes ethics, integrity and professional standards in personal financial planning. This gives the public an opportunity to have access to -- and benefit from -- competent, ethical financial planning. Individuals who meet rigorous certification requirements are certified by CFP Board to use its certification trademark. Jennifer Luzzatto is a CERTIFIED FINANCIAL PLANNER™ professional.
 Commitment to Objectivity
Jennifer Luzzatto is a member of NAPFA, the National Assocation of Personal Financial Planners (www.napfa.org). NAPFA members practice Fee-Only financial planning which is client-centered, objective and ethical. As a Fee-Only advisory firm, recommendations are untainted by any type of fee received by the vendors of financial products, including investment funds, insurance companies and estate attorneys. Fee-Only advisors provide consumers and institutions with comprehensive and objective financial advice on a "Fee-Only" basis, keeping only the best interests of the client in mind – with neither the advisor nor any related party receiving compensation contingent on the purchase or sale of a financial product.
 Commitment to Excellence
Jennifer Luzzatto is a Registered NAPFA Advisor. The National Association of Personal Financial Advisors is the largest professional association of comprehensive, Fee-Only financial planners in the United States. With over 800 members and affiliates, in 45 states, the members of the National Association of Personal Financial Advisors (NAPFA) subscribe to a strict fiduciary oath. In addition, NAPFA members are required to fulfill significant continuing education requirements.
 Commitment to Helping People from All Walks of LifeJennifer Luzzatto is a member of The Garrett Planning Network, Inc., an international network of professional, Fee-Only financial advisors who are dedicated to providing independent, objective financial planning and advice to people from all walks of life. As staunch consumer advocates and Fee-Only client fiduciaries, Garrett Network Members continue to demonstrate their commitment to serving the public's best interests by making competent, Fee-Only financial advice accessible to all people. Many financial advisors accept clients only if they meet certain income and net worth requirements. Garrett Network members believe, however, that professional, objective financial advice is something all Americans need, at least periodically, to build the brightest financial futures. Holding to this philosophy, Garrett Network members offer the same quality, professional advice to all clients, not just the affluent.
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