Karen Day is a CERTIFIED FINANCIAL PLANNER™ professional with over 25 years of experience in financial services. She graduated with honors from Houghton College in New York with a BA in Business Administration. Karen is registered in General Securities (Series 7), Uniform Securities Agent (Series 63), General Securities Principal (Series 24) through LPL Financial and Uniform Investment Advisor (Series 65) through Householder Group Estate & Retirement Specialists.

She is a Financial Advisor with Householder Group Estate & Retirement Specialists, LLC. She is also a Registered Representative with LPL Financial. As a Registered Investment Advisory firm, Householder Group specializes in developing and implementing retirement and estate plans for private clients. Householder Group is an independent full-service financial consulting firm dedicated to helping their clients build and preserve their wealth and hard earned assets.

Karen is licensed in Oregon and Washington for Life, Health, Disability, and Long Term Care Insurance, and has been an Oregon Licensed Tax Consultant since 1992. In addition, she is also an Enrolled Agent which allows her to represent her client in an IRS audit.

As a resident of Oregon, Karen has lived in the Portland region for over thirty years with her husband David. They enjoy traveling to Minnesota to see their two daughters, two sons-in-law, and two adorable grandsons.

We don’t represent a group of investment products, we represent you.

www.hgoregon.com

Office Location:

10135 SE Sunnyside Road, Suite 210
Clackamas, OR 97015

CERTIFIED FINANCIAL PLANNER™, CFP®

The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

•Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services and attain a bachelor’s degree from are regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning.

•Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances.

•Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and

•Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals.

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:

•Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and

•Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. T his/her means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.