You're here: FGC's Home Page :: Bio Page
Biography
of
Dennis L. Roubal, CFP®, CRPS®, RIA
|
|||||||||||||||||||||
Dennis L. Roubal, CFP®, CRPS®, RIA, established Financial Growth Concepts (FGC) in 1986 as an independent, fee-only financial-planning company.
With 23 years of comprehensive, financial-planning experience, his areas of personal, financial expertise include:
| • | Investing | • | Estate planning | |
| • | Tax planning | • | Portfolio design | |
| • | Tax preparation | • | Retirement planning | |
| • | College-tuition planning | • | Risk management |
After serving the needs of clients in the greater-Lansing and Detroit Metropolitan areas for 20 years, Dennis relocated his firm to the Upper Peninsula of Michigan in 2006.
Based in Marquette, along the south shore of Lake Superior, his firm serves a diverse cross-section of clients, some from as far away as southern Michigan:
| • | Nurses | • | Lawyers | |
| • | Teachers | • | Bankers | |
| • | Excavators | • | Physicians | |
| • | Police officers | • | Restaurateurs | |
| • | Medical technologists | • | County planners | |
| • | Construction companies | • | Business consultants |
Dennis
has served on the editorial board of the Journal
of Financial Planning, peer reviewing articles prior to publication.
He is credentialed with the Michigan Office of Financial and Insurance Regulation as well as the Certified Financial Planner Board of Standards, Inc., and the College for Financial Planning.
SEC Registered
Investment Advisor
Dennis
has been registered with the Michigan
Office of Financial and Insurance Regulation (OFIR) as a Registered
Investment Advisor (RIA) since 1986. All OFIR-registered investment
advisers are required to:
| • | Provide prospective and current clients with information about their business practices as well as their educational and business backgrounds |
|
| • | Maintain true, accurate, and current books and records |
|
| • | Subject themselves to random inspection and examination by OFIR staff |
Certified Financial Planner™
Dennis
was awarded the coveted Certified Financial Planner™ (CFP®)
credential in 1991 by the Certified Financial
Planner Board of Standards, Inc., a nonprofit, professional regulatory
body founded in 1985.
Acting on behalf of the public, the independent, CFP Board's mission is to promote and uphold a high standard of excellence among personal financial planners through a demanding, certification process involving:
| • | Testing | • | Audits | |
| • | Experience requirements | • | Standards of practice | |
| • | Reports & record keeping | • | Regular re-certification | |
| • | Full disclosure requirements | • | Disciplinary rules & procedures | |
| • | Continuing education requirements | • | Code of ethics & professional responsibility |
Chartered Retirement Plans Specialist
Dennis
was conferred the Chartered Retirement Plans Specialist (CRPS®)
credential in 2002 by the College
for Financial Planning®, an educational institution founded
in 1972.
The CRPS® designation—which is only awarded to those who complete extensive course work; pass a rigorous examination; disclose prior or ongoing regulatory, civil, or criminal investigations; and agree to adhere to a strict code of ethics—certifies a financial professional is qualified in pre- and post-retirement financial matters and is capable of designing, installing, and maintaining retirement plans for the business community.
Prediction is very difficult,
...especially about the future.
—Niels Bohr, 1885-1962
Danish physicist
