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Why is it important to work with a CERTIFIED FINANCIAL PLANNER™ (CFP®)?​

As a financial planner dedicated to serving educators, I’ve pursued advanced certifications that directly benefit my teacher clients.

CFP® (CERTIFIED FINANCIAL PLANNER™)

The CFP® designation is the gold standard in financial planning. Here’s how it benefits you:
  • Comprehensive Knowledge: CFP® professionals are trained in all areas of financial planning, including retirement, investments, taxes, insurance, and estate planning. This holistic approach is crucial for teachers who need to navigate complex benefit systems and plan for long-term financial security.
  • Ethical Standards: CFP® professionals are held to strict ethical standards, ensuring that I always put your interests first. This is particularly important for teachers who may have encountered predatory financial practices in the past.
  • Continuing Education: I'm required to complete ongoing education to maintain my CFP® designation, ensuring that I stay current with the latest financial planning strategies and regulations that affect educators.

Who is a CERTIFIED FINANCIAL PLANNER™ professional?

A Certified Financial Planner™ is a financial professional accredited by the Certified Financial Planner Board of Standards as having demonstrated financial planning technical knowledge, experience, and adherence to a client-centered code of ethics. CFP Board’s Standards of Professional Conduct require Certified Financial Planner™ practitioners to act in their clients’ best interests.

What makes a CERTIFIED FINANCIAL PLANNER™ professional different from other financial advisors?

For the past 35 years, the CFP® certification has been recognized as the gold standard in financial planning.

Apart from the rigorous educational and experience requirements to obtain and maintain their CFP® certifications, Certified Financial Planner™ professionals have strict fiduciary obligations of loyalty and care to clients. This includes disclosing and properly managing all conflicts of interest and recommending ideal rather than simply “suitable” financial products.

This difference is at the core of what separates a fee-based certified financial planner professionals from other financial advisors.

Breach of fiduciary duty is a major offense that brings serious legal complications, so you can rest assured that a CFP® professional is working for you and not just to line her own pockets.
Most investment advisers who are not CFP® certified, including stockbrokers, are regulated by the Financial Industry Regulatory Authority. FINRA permits brokers to accept financial incentives contrary to the client’s best interest as long as the recommendation itself is suitable.

My Promise to You

“I’m not a flashy salesperson. I’m a dedicated professional who will provide you with a thoughtful, detail-oriented approach to your financial planning. My goal is to be your trusted partner, empowering you to make smart financial decisions and achieve lasting security.“

Nathaniel Carswell, CFP® Professional and Founder of Teachers’ Path

Nathaniel Carswell, CFP®, CIMA®:
Your Partner in Financial Success

As a fiduciary financial advisor and CFP® certificant, I am uniquely qualified to provide comprehensive financial planning to educators. My commitment to transparency, integrity, and your best interests ensures that your financial goals remain the cornerstone of our relationship.

Schedule Your Free Consultation

Ready to experience the CFP® difference? Schedule a complimentary consultation today to see if we’re the right fit to help you achieve your financial dreams.

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your financial future?

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Investment advisory services are offered through properly registered representatives of Forthright Capital Advisory, LLC dba Forthright Capital Advisory. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the commission and does not mean that the advisor has attained a specific level of skill or
ability. Insurance products are offered through Forthright Capital Partners, LLC. Forthright Capital Advisory LLC and Forthright Capital Partners LLC are separate entities that offer separate services and are unaffiliated with Teachers Path Financial Planning.

Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm’s ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations).

Form CRS – Firm Brochure

Check the background of your financial professional on FINRA’s BrokerCheck.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as financial, tax or legal advice. 

All investment strategies have the potential for profit or loss. Changes in investment strategies, economic conditions, contributions or withdrawals may significantly alter a portfolio’s performance. There is no guarantee that any specific investment or strategy will be suitable or profitable for a particular client. Past performance is no guarantee of future success. We cannot guarantee that a portfolio will match or outperform any particular benchmark. Diversification and asset allocation do not ensure a profit or guarantee against loss. None of the content should be viewed as an offer to buy or sell, or as a solicitation of an offer to buy or sell the securities discussed.

We do not offer tax or legal advice or services. Always consult with your own qualified tax/legal advisors. Life insurance involves medical and sometimes financial underwriting to qualify.

Both life insurance and annuity products have terms and conditions, fees and charges, including potential surrender penalties for early withdrawals. Annuity withdrawals are subject to ordinary income taxes and an additional 10% federal penalty if you are under age 59-1/2. Optional riders may involve additional cost. Product and feature availability may vary by state. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

Information on this website does not involve the rendering of personalized investment advice but is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the options presented. When working with us, we can assist you with insurance and annuity products and strategies, or you may also engage us for comprehensive financial and retirement planning through our Registered Investment Advisory firm. We will provide you with complete information about our fees and compensation structure before you engage our services.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks

Investments & Wealth Institute® (the Institute) is the owner of the certification marks “CIMA,” and “Certified Investment Management Analyst.”   Use of CIMA, and/or Certified Investment Management Analyst signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for investment management professionals.

Fiduciary financial advisor dedicated to helping teachers meet their financial goals.

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