
Stephen J. Golembiowski, CFP®, CLU®, ChFC®, RICP®
Certified Financial Planner™
Steve Golembiowski began his career in the financial services business in 1993. He graduated magna cum laude from SUNY Institute of Technology with a BS in Finance and graduated with distinction from Clarkson University with a BS in Computer Science.
He holds the CERTIFIED FINANCIAL PLANNERTM certification and the Chartered Financial Consultant (ChFC®), Chartered Life Underwriter (CLU®), and Retirement Income Certified Professional (RICP®) designations from The American College of Financial Services.
CFP® – Certified Financial Planner™
A financial professional with a CFP® designation possesses expert knowledge in fundamental financial issues and can guide you through the most common financial challenges.
To earn this credential, the professional must complete seven courses, sit for and pass the CFP® exam, and hold/earn a bachelor’s degree from an accredited college or university within five years of passing the exam. They must also complete 6,000 hours of professional experience as a financial advisor or in roles related to the financial planning process, or 4,000 hours of apprenticeship experience.
To maintain their designation, they're required to complete 30 hours of continuing education credit every two years, including three hours of ethics continuing education credits.
CFP® and CERTIFIED FINANCIAL PLANNERTM 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.
CLU® – Chartered Life Underwriter®
A financial professional with the CLU® designation possesses expert knowledge in finding the best life insurance solutions for your unique needs.
To earn this credential, the professional must have the equivalent of three years of full-time, relevant business experience such as insurance and health care, financial services and employee benefits, higher education instruction, or government regulatory services. They must also complete a rigorous eight-course, college-level program offered by The American College of Financial Services, focusing on topics such as life insurance law, planning for business owners and professionals, income taxation, and estate planning.
To maintain their designation, they’re required to complete a professional recertification program each year — including an ethics questionnaire. Every two years, they must also complete 30 credit hours of continuing education requirements and pass a recertification examination.
ChFC® – Chartered Financial Consultant®
A financial professional with the ChFC® designation possesses expert knowledge in modern financial fundamentals and can guide you through a wide range of financial matters.
To earn this credential, the professional must have the equivalent of three years of full-time, relevant business experience such as insurance and health care, financial services and employee benefits, higher education instruction, or government regulatory services. They must also complete a comprehensive eight-course, college-level program offered by The American College of Financial Services, focusing on such topics as insurance planning, estate planning, investments, and the latest best practices in personal financial planning.
To maintain their designation, they’re required to complete a professional recertification program each year — including an ethics questionnaire. Every two years, they must also complete 30 credit hours of continuing education requirements and pass a recertification examination.
RICP® – Retirement Income Certified Professional®
A financial professional with the RICP® designation possesses expert knowledge in retirement income strategies for those preparing for and living in retirement.
To earn this credential, the professional must have the equivalent of three years of full-time, relevant business experience such as insurance and health care, financial services and employee benefits, higher education instruction, or government regulatory services. They must also complete a challenging three-course college-level program offered by The American College of Financial Services that requires approximately 180 hours of coursework and certification examinations.
To maintain their certification, they’re required to complete a professional recertification program each year — including an ethics questionnaire. Every two years, they must also complete 30 credit hours of continuing education requirements and pass a recertification examination.