The Center For Estate & Financial Planning, Inc.
Sarasota Florida INdependent Finacial and Estate Planning Service
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The Center For Estate & Financial Planning Inc.
PETER L. BOROWSKI, President
CERTIFIED RETIREMENT FINANCIAL ADVISOR (CRFA)
CERTIFIED SENIOR ADVISOR (CSA)
*Investment Advisor Representative
Registered Health Underwriter (R.H.U.)
Life Underwriter Training Council Fellow (LUTCF)
Insurance Consultant, Broker, Agent
*Registered Representative
*Registered Principal (SECURITIES)
Life Member of THE MILLION DOLLAR ROUND TABLE
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Credentials
National Ethics Bureau™ (NEB) Member
The Mission
The mission of the National Ethics Bureau™ (NEB) is to promote consumer confidence within the financial services industry by providing verification of professional license(s), continuing education, and the exemplary business ethics of professional advisors nationwide
About the NEB
The National Ethics Bureau (NDB) is an independent organization that promotes consumer confidence by providing a one-stop source to verify the business ethics of insurance and financial advisors. All its approved members have successfully passed the Ethics Check System™, a series of comprehensive background checks for criminal, civil, and business violations.
Check Pete out. Click here.
Certified Retirement Financial Advisor
A CRFA™ is a financial professional who has completed a program of study on the financial challenges faced by retirees. The program is designed for experienced financial professionals who learn solutions to those challenges. Before enrolling in the CRFA™ program, many graduations already hold credentials such as Certified Public Accountant (CPA), Certified Financial Planner (CFP®), and Chartered Financial Consultant (ChFC). Upon course completion, graduates pass a closed book exam, agree to and sign the Society of Certified Retirement Financial Advisors™ Code of Ethics, and are then permitted to use the CRFA™ designation. In addition to any other continuing education credits that graduates must obtain for any other licenses or certifications they hold, to retain their CRFA™ credential, they must annually complete 15 hours of study specific to retiree financial issues. [1]. To be directed to this site you may click on the logo, or click here.
The Million Dollar Round Table (MDRT)
The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals, is an international, independent association of more than 35,000 members, or less than 1 percent, of the world's most successful life insurance and financial services professionals from 476 companies in 76 nations and territories. MDRT members demonstrate exceptional professional knowledge, strict ethical conduct and outstanding client service. MDRT membership is recognized internationally as the standard of sales excellence in the life insurance and financial services business.
Peter L. Borowski has achieved annual membership honors 19 different years, and has been awarded lifetime membership status.
MDRT members should be ever mindful that complete compliance with and observance of the Code of Ethics of the Million Dollar Round Table shall serve to promote the highest quality standards of membership. These standards will be beneficial to the public, and the insurance and financial services profession. To be directed to this site you may click on the logo, or click here
Certified Senior Advisor (CSA)
A Certified Senior Advisor (CSA)® is a professional who has...
- Completed a comprehensive course from Society of Certified Senior Advisors about the health, financial and social factors that combine to define the lives of seniors today
- Demonstrated a thorough understanding of those factors by passing the CSA Designation Exam
- Committed to high ethical standards as set out in the CSA Code of Professional Responsibility
- Agreed to meet Society of Certified Senior Advisors' Continuing Education requirements.
But above all else, a CSA is someone who cares enough about seniors to have taken the time and made the effort to learn what is important to them - and how to help them achieve that.
PETER L. BOROWSKI has met all these requirements and has been awarded the credential of a Certified Senior Advisor (CSA).
Life Underwriter Training Council Fellow (LUTCF)
The American College Association offers these courses of study. The LUTCF courses are designed to educate students in the areas of personal life insurance, the uses of life insurance in business situations and how this unique tool can solve so many different problems. Courses are also offered in financial planning, disability income, retirement issues, estate planning, investment planning. Courses are offered at both basic and advanced levels.
LUTCF courses are taught in classrooms or online by experienced moderators. Our moderators bring years of industry knowledge to their classes, which feature a variety of role-playing exercises, sales planning projects, action projects, readings, and class discussion. The College works with local NAIFA associations.
Peter Borowski has served as a Moderator of several courses over the past 33 years
Each LUTCF class last eight weeks followed by an examination. At least 6 courses offered must be completed as well as successful completion of a final exam to obtain the designation of LUTCF.
National Association of Insurance and Financial Advisors (NAIFA) Member
Founded in 1890 as the National Association of Life Underwriters, the National Association of Insurance and Financial Advisors (NAIFA) comprises nearly 800 state and local associations representing the business interests of 225,000 members and their employees nationwide. Members focus their practices on one or more of the following: life insurance and annuities, health insurance and employee benefits, multiline, and financial advising and investments. NAIFA's mission is to advocate for a positive legislative and regulatory environment, enhance business and professional skills, and promote the ethical conduct of its members.
The National Association of Insurance and Financial Advisors protects and promotes the critical role of insurance in a sound financial plan and the essential role provided by our professional agents and advisors.
Florida Association of Insurance and Financial Advisors (FAIFA) Member
Back in the late 1980's when discussions started about the possibility of required continuing education for insurance agents in Florida, FAIFA (then FALU) was a party to those discussions. In fact, FAIFA supported the Department's efforts to introduce CE legislation. The FAIFA Board of Directors and local AIFA leaders agreed with the Department's reasoning that insurance agents needed to stay current with insurance laws as they are passed by the legislature, and to stay current with trends in the industry regarding issues and products and the impact they have on consumers. In fact, the Department's intent with the new law was to provide protection to consumers.
While your years of experience, qualifications, designations, and achievements are certainly something that ALL agents in this state should strive to achieve, I think you will agree that you too, still need to stay on top of the laws and trends in the industry, both of which impact how you counsel your prospects and clients. Understand that because a person has the credentials or designations, does not necessarily mean they will stay up to date with changes in the law or issues. The truth is that many agents in this state (most of whom are not members of FAIFA, I assume) would not make the effort to stay current if not required to do so.
Read FAIFA's letter to Pete Borowski (pdf).
Designation: Registered Health Underwriter (RHU)
Registered Health Underwriters have completed a thorough educational program, are required to continue learning throughout their career and are committed to maintaining ethical standards. You can be confident that your RHU is providing the most knowledgeable, current and ethical advise possible.
A knowledgeable RHU can help you:
- Understand all types of health insurance including:
- Disability income insurance
- Traditional medical expense insurance
- HMOs, PPOs and other managed care arrangements
- Group dental insurance
- Group long-term care insurance
- Cafeteria plans
Click here to read more (pdf).
Peter L. Borowski's Securities Licenses Held
NOTE: In order to maintain the following securities licenses an individual is required to take Continuing Education and be registered with a Firm and State.
General Securities Principal - (Series 24)
Registered Principal - Persons associated with a member who are actively engaged in the management of the member's investment banking or securities business, including supervision, solicitation, conduct of business, or the training of persons associated with a member for any of these functions are designated as principals. Such persons include sole proprietors, officers, partners, managers of offices of supervisory jurisdiction, and directors of corporations. This examination qualifies individuals required to register as general securities principals in order to manage or supervise the member's investment banking or securities business for corporate securities, direct participation programs, and investment company products/variable contracts.
Registered Principals' Responsibilities
Corporate securities; rights; warrants; closed-end funds; money market funds; REITS; asset-backed securities; (corporate) mortgage-backed securities; mutual funds; variable annuities and variable life insurance; direct participation programs; securities traders; venture capital; mergers and acquisitions; corporate financing |
General Securities Principal—Sales Supervisor Module - Series 23 or General Securities Principal - Series 24 |
General Securities Representative - (Series 7)
This registration qualifies a candidate for the solicitation, purchase, and/or sale of all securities products, including corporate securities, municipal securities, municipal fund securities, options, direct participation programs, investment company products, and variable contracts.
Uniform Securities Agent State Law Examination - (Series 63) (NASAA) –
The Series 63 is designed to qualify candidates as securities agents. The examination covers the principles of state securities regulation reflected in the Uniform Securities Act.
Investment Advisory Services –
To view these additional services offerred please click here now ------ You will be redirected to these separate Services--- You will be able to return to this site, if you wish.