EUROPEAN FINANCIAL PLANNING ASSOCIATION (EFPA) is the leading professional standards setting body for financial advisors and planners in Europe, building public confidence and trust. EFPA, created both in the interest of financial services professionals and their users, aims to disseminate the discipline of personal financial advising and planning among sector professionals and society in general, counting on the legal acknowledgement and back-up of regulatory bodies, financial entities and professionals. By improving the training of sector professionals and promoting the observance of the association’s code of ethics by its members, EFPA aims to guarantee ethical and professional conduct. EFPA is at the vanguard of consumer protection in financial services. We emphasize our commitment to the ethical behavior of our certificate holders by requiring them to swear to abide by the EFPA Code of Ethics.