Disclosures

General Disclosure

Financial Planning and Advisory Services are offered through Prosperity Capital Advisors (“PCA”) an SEC registered investment adviser with its principal place of business in the State of Ohio. PCA and its representatives are in compliance with the current registration requirements imposed upon registered investment advisers by those states in which PCA maintains clients. PCA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Any subsequent, direct communication by PCA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. The Chamberlin Group and PCA are separate, non- affiliated entities. PCA does not provide tax or legal advice. Insurance and Tax Services offered through The Chamberlin Group are not affiliated with PCA. Information received from this website should not be viewed as investment advice. Content may have been created by a Third Party and was not written or created by a PCA affiliated advisor and does not represent the views and opinions of PCA or its subsidiaries. This site may contain links to articles or other information that may be contained on a third-party website. PCA is not responsible for and does not control, adopt, or endorse any content contained on any third party website. For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.

Awards and Recognition Disclosure*

Awards listings, rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if The Chamberlin Group is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of The Chamberlin Group by any clients. Awards listings, rankings and/or recognition published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized advisor.

Designation descriptions

The CEP® (Certified Estate Planner™) is a financial, legal, or tax professional who has earned a distinctive educational certification through the National Institute of Certified Estate Planners (NICEP). A CEP® has completed a rigorous eight (8) module course of instruction in the field of estate planning, successfully passed a comprehensive proctored examination process, shown a desire to associate with professional estate planning peers, agreed to comply with annual estate planning continuing education requirements, and ascribed to the practical guidelines and code of ethics of the NICEP.

CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

Certified Financial Planner Board of Standards, Inc. (CFP Board) was founded in 1985 as a 501(c)(3) non-profit organization that serves the public interest by promoting the value of professional, competent and ethical financial planning services, as represented by those who have attained CFP® certification. CFP Board sets and enforces the requirements for CFP® certification, including: education, examination, experience, and ethics, Individuals who successfully complete CFP Board’s initial and ongoing certification requirements are authorized to use the CFP® certification marks in the United States.

The Certified Public Accountant (CPA) license is a certified public accountant who is licensed by a state board of accountancy. Ohio’s CPA designation is issued to qualified accountants who: (i) have passed 150 semester hours of education or earned a graduate degree; (ii) successfully complete the CPA examination; (iii) successful completion of professional standards and responsibilities course; (iv) gain one year of relevant work experience. 

Accredited Investment Fiduciary® (AIF®) The AIF designation certifies that the recipient has specialized knowledge of fiduciary standards of care and their application to the investment management process. To receive the AIF designation, individuals must complete a training program, successfully pass a comprehensive, closed-book final examination under the supervision of a proctor and agree to abide by the AIF Code of Ethics. In order to maintain the AIF designation, the individual must annually renew their affirmation of the AIF Code of Ethics and complete six hours of continuing education credits. The certification is administered by the Center for Fiduciary Studies, LLC (a Fiduciary360 (fi360) company).

Ed Slott’s Elite and Master Elite IRA Advisor Group is an exclusive IRA study group of professional financial advisors with extensive IRA experience who have gone to the next level to study directly with Ed Slott on a continuous basis through full day workshops, the Elite forum and other regular communications and trainings. Ed Slott’s Elite and Master Elite IRA Advisor Group is designed to provide its members ongoing access to the most up-to-date IRA information for their clients. Advisors in the group are dedicated to being IRA distribution experts and have made a commitment to continue building their IRA knowledge base.

Forum 400 is the only industry organization that brings together the top life insurance professionals from every facet of the industry – producer groups, captive agents, entrepreneurs, financial planners and more. Our member-driven community delivers cutting-edge content; facilitating an uncensored exchange of emerging trends, competitive intelligence and innovative client solutions.

Million Dollar Round Table (MDRT) is a global, independent association of more than 65,000 of the world’s leading life insurance and financial services professionals from more than 500 companies in 70 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 excellence in the life insurance and financial services business. For more information, please visit www.mdrt.org 

As of 2020, qualification for the MDRT requires a minimum of $97,000 of eligible commissions paid. Qualification for the Top of the Table requires $582,000 of eligible commissions paid. Don Chamberlin Jr. has been a Top of the Table member since 2002.  Top of the Table members exchange advanced sales and productivity ideas and develop interpersonal relationships among an international network of leading insurance and investment financial services’ producers/advisors.

Series 65 – The Series 65, Uniform Investment Adviser Law Examination, is an exam consisting of 130 multiple choice questions that is administered in a 3 hour testing time.

The Annual Filing Season Program aims to recognize the efforts of non-credentialed return preparers who aspire to a higher level of professionalism. Those who choose to participate can meet the requirements by obtaining 18 hours of continuing education, including a six hour federal tax law refresher course with test.

The LUTCF (Life Underwriting Training Council Fellow) designation is granted by The National Association of Insurance and Financial Advisors.  A LUTCF candidate must successfully complete the program which requires the candidate to: Complete three required courses, Agree to comply with NAIFA’s Code of Ethics and Procedures and to complete ongoing continuing education requirements.

The ChFC (Certified Financial Consultant) designation is granted by The American College.  A ChFC candidate must successfully complete the program which requires the candidate to: Complete seven required courses, complete two elective courses, complete three years of full-time business experience and agree to comply with The American College Code of Ethics and Procedures as well as complete ongoing continuing education.

The CFF ® certification a professional designation provided by the National Association of Certified Financial Fiduciaries (NACFF), Charlotte, NC.  To receive this designation, the individual must complete a certification and training process created by NACFF and The American Financial Education Alliance.  The individual must complete a 1-day training course and pass the Program Assessment.  The program educates professional advisors about the laws, rules and regulations that determine when the individual is acting as a fiduciary.  10 Annual Continuing Education Hours must be completed to renew the certification.  The continuing education keeps the individual up to date on the fiduciary rules.

The CLU® designation of the oldest and most respected credentials in financial services, dating back to the late 1920’s. It represents a thorough understanding of a broad array of personal risk management and life insurance planning issues and stresses ethics, professionalism, and in-depth knowledge in the delivery of financial advice. CLU® candidates must complete eight college-level courses, five required and three electives. The required courses include Fundamentals of Insurance Planning, Individual Life Insurance, Life Insurance Law, Fundamentals of Estate Planning, and Planning for Business Owners and Professionals. Electives topics cover financial planning, health insurance, income taxation, group benefits, investments, and retirement planning.

CASL® is a rigorous credential in the senior and retirement planning space, with curriculum that covers wealth accumulation, income distribution, and estate planning for those preparing for or in retirement. Advisors taking this program commit between 250 and 300 hours of study and take about 18 months to complete the designation. The CASL® requires five college-level courses: Understanding the Older Client, Health and Long-Term Care Financing for Seniors, Financial Decisions for Retirement, Investments and Fundamentals of Estate Planning.

The RHU® designation is one of the few credentials focused exclusively on health insurance, incorporating aspects of both group and individual programs. The curriculum covers the most current information on a full range of benefits laws, including COBRA, ERISA, HIPAA. RHU® candidates must complete three college-level courses, two required and one elective. The required courses are Group Benefits and Advanced Topics in Group Benefits. Elective topics cover individual health insurance and managed care.

The REBC® designation is designed for specialists in the complex field of employee benefits. The program covers pensions, retirement plan funding, group medical plans, long-term care, executive compensation, personnel management, and other benefit programs. REBC® candidates must complete five college-level courses, three required and two electives. The required courses are Group Benefits, Planning for Retirement Needs, and Advanced Topics Elective courses cover executive compensation, personnel management, and managed care.

The Chartered Advisor in Philanthropy (CAP) ® is a designation issued by the American College. Courses provide insight into philanthropic planning and provides knowledge to help client articulate and advance their highest aspirations for self, family, and society. CAP® holders successfully complete all three courses (Planning for Impact in Context of Family Wealth, Charitable Giving Strategies, and Gift Planning in a Nonprofit Context) and agree to comply with The American College of Financial Services Code of Ethics and Procedures.

The Retirement Income Certified Professional (RICP®) certification is a professional designation provided by The American College of Financial Services, Bryn Mawr, PA.  To receive the designation, the individual must complete a minimum of three college-level courses which cover information such as retirement income planning, retirement portfolio management techniques and mitigation of plan risks to the proper uses of annuities, employer sponsored benefits, and determining the best Social Security claiming age.  In addition, the individual must pass an examination, have three years of financial services experience and adhere to the American College’s Code of Ethics. The American College can disallow use of the RICP® if advisors do not adhere to the program’s ethical standards, continuing education, and other requirements.