When it comes to planning for your future, credentials matter. Working with a fiduciary financial advisor who is both a Certified Public Accountant and a CERTIFIED FINANCIAL PLANNER® means you benefit from a combination of technical precision, strategic foresight, and ethical accountability. At Ivana Liberatore CPA, CFP® & Associates, we apply our credentials to integrate financial planning, investment management, and tax strategy into one coordinated plan. 

Credentials can help you understand a professional’s training and areas of expertise. In addition, the fiduciary standard is a legal and ethical obligation that applies in certain advisory relationships. We bring CPA and CFP® credentials to the planning process and operate under a fiduciary standard when providing investment advice. Fiduciary is not a professional credential like CPA or CFP®; it describes a standard of conduct that applies based on an advisor’s role, registration, and the services provided.

• CFP® Credential: A designation that signifies expertise in comprehensive financial planning, requiring rigorous education, examination, experience, and adherence to strict ethical standards.
• CPA Credential: A designation awarded to individuals who meet extensive education, examination, and experience requirements in accounting, specializing in auditing, tax, and financial reporting.
• Fiduciary Standard: A legal and ethical obligation that applies in certain advisory relationships. When acting as a fiduciary, an advisor is required to put the client’s interests first and to provide full and fair disclosure of material conflicts.
  

Each credential represents a different area of training. The fiduciary standard reflects the legal and ethical obligation that guides advice in an advisory relationship.

Each credential represents a different layer of expertise. Together, they create a well-rounded foundation for lifelong financial confidence.

• CFP®: A CFP® professional is trained to view your finances holistically. We help align your investments, cash flow, insurance, and retirement goals into one cohesive plan. Overseen by the CFP Board, this credential requires rigorous education, testing, and adherence to a strict code of ethics.
  
• CPA: A Certified Public Accountant brings advanced tax knowledge that most financial advisors can’t offer. From understanding how laws impact your investments to integrating tax efficiency into every stage of your plan, the CPA perspective ensures your wealth strategy is as smart as it is sound.
  

When your advisor brings both CPA and CFP® credentials to the table and operates under a fiduciary standard in an advisory relationship, you benefit from planning that considers both strategy and accountability. A CFP® helps design the big-picture plan, and a CPA optimizes the tax strategy. Our fiduciary duty ensures that every recommendation is made with your best interest in mind.

• Unified planning and tax strategy
• Transparent, conflict-free advice
• Coordination across financial, tax, and legal aspects
• Ongoing monitoring and ethical accountability

Fiduciary duty ensures that your advisor’s loyalty lies solely with you, not a company, product, or commission. As an independent fiduciary firm, we value transparency, accountability, and lasting relationships built on trust.

Our clients choose us because they want a trusted partner who goes beyond just investment advice to coordinate the full picture. Working with a fiduciary CPA and CFP® professional means your plan is not only well-constructed, but also tax-smart, personalized, and designed to evolve with you. Clients choose us for:

• Comprehensive, coordinated advice that unites planning, investing, and taxes.
• Proactive tax strategies that protect income and preserve wealth.
• Objective fiduciary care with no hidden agendas.
• Trusted credentials backed by decades of education and experience.
• Personalized attention from a multigenerational team that truly knows you.

*Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera Investment Advisers, LLC, Advisory Services Agreement and disclosure brochure as provided.