Professional
Bill Ravotti has been with the Northwestern Mutual since graduating from Indiana University of Pennsylvania 1989. Bill specializes in several areas including Comprehensive Financial Planning, Disability Income Insurance, Wealth Accumulation, Retirement and Education Planning. Bill is a member of the National Association of Insurance and Financial Advisors. Along with being the Network Office Disability Income Specialist, he has received the following professional designations/certifications:
- Certified Financial PlannerTM (CFP®): Sponsored by the Certified Financial Planner Board of Standards (http://www.cfp.net/) designees complete a curriculum of study and pass a comprehensive examination regarding the financial planning process, tax planning, estate and retirement planning, investments and insurance; meet experience and continuing education requirements; and comply with the CFP Board's Code of Ethics and Professional Responsibility**.
- Chartered Financial Consultant® (ChFC®): Sponsored by the American College(http://www.theamericancollege.edu), designees complete nine college-level self study courses in financial planning, income taxation, investments , estate and retirement planning; meet experience and continuing education requirements; and comply with college's Code of Ethics.
- Chartered Life Underwriter® (CLU®) : Sponsored by The American College (http://www.theamericancollege.edu ) , designees complete eight college-level self study courses related to life insurance, insurance and financial planning, and estate and business planning; meet experience and continuing education requirements; and comply with the college's Code of Ethics.
**Once certified, CFP® practitioners are required to maintain technical competence and fulfill ethical obligations. Every two years, they must complete a minimum 30 hours of continuing education to stay current with the developments in the financial planning profession and better serve clients. Two of these hours are spent studying or discussing CFP Board's Code of Ethics or Practice Standards. In addition to the biennial continuing education requirement, all CFP® practitioners voluntarily disclose any public, civil, criminal or disciplinary actions that may have been taken against them during the previous two years as part of the renewal process.
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