Certified Financial Planner (CFP) Exam 2026 – 400 Free Practice Questions to Pass the Exam

The responsibility for ensuring that CFP® professionals adhere to the CFP Board's Code of Ethics fundamentally lies with the individual CFP® professional themselves. They are directly accountable for maintaining ethical standards in their practice, which include putting the interests of their clients first, providing competent and comprehensive financial planning, and complying with all applicable laws and regulations.

While the employer of a CFP® professional can play a role in shaping the culture and ethical standards of their organization, and clients can hold professionals accountable through feedback and reporting, the ultimate responsibility rests with the CFP® professional. They are the ones who must actively choose to follow the ethical guidelines set forth by the CFP Board in their daily practices. This personal accountability aligns with the emphasis on individual integrity and professionalism that is critical in the financial planning profession.