The certification mark, as used or intended to be used by persons authorized by the certifier, certifies or is intended to certify that the services provided are being provided by a financial consultant that meets each of the following criteria: (1) has earned a Bachelor's Degree or higher from a Regionally Accredited Institute of higher learning; (2) has license, registration, and/or certification in financial planning, counseling, coaching, mental health, or a related field; (3) has completed a Certificate in Financial Psychology and Behavioral Finance or related field; (4) adherence to a "fiduciary standard" in interactions with clients and to follow the ethics code of either the CFP Board and/or American Psychological Association, depending on profession; performance of 20 Hours of continuing education units in approved courses related to financial planning, financial behavior, or a related field every 2 years, either through the Financial Psychology Institute or other approved providers; receipt of two letters of recommendation from professionals familiar with financial psychology or financial therapy, and who are also familiar with the provider's work.