Jennifer Luzzatto| CFP®, CFA®, MBA
Summit Financial Partners
- Fee-Only Financial Services
- Comprehensive Financial Planning
- Free Initial Consultation
- Investment Management
- Retirement Planning
- Education Planning
- Elder Care Issues
- Estate Planning
- Insurance Analysis
- Charitable Giving and Trusts
- Planning for Business Owners
- Cash Flow and Budgeting
Glen Allen, VA 23059
Fee-Only & Fiduciary
The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.
Jennifer Luzzatto is a Fee Only Financial planner in the Glen Allen area of Richmond, VA. Jennifer Luzzatto is a NAPFA-Registered Financial Advisor.
Jennifer began her career in the Financial Services industry over 25 years ago as a fixed-income trader in a regional brokerage firm. This background paved the way for her to join a commercial bank where she managed personal trust accounts, institutional portfolios and a municipal bond mutual fund.
Jennifer transitioned from her career in banking to financial planning and investment advisory services in 1999 when she founded Summit Financial Planning, Inc., in Richmond, Virginia. From the beginning, she has offered Fee-Only advice to individuals and corporations.
Jennifer’s straightforward financial planning and investment philosophy emphasizes highly diversified portfolios, being faithful to regular savings contributions, and developing a strategy that clients can maintain over the long term.
Throughout her more than 25 years in the financial services industry, Jennifer has strived to increase her education and knowledge base. In 1999, she earned her Chartered Financial Analyst (CFA) designation, a high-level credential typically earned by institutional money managers. The next year, in 2000, she completed both her Masters of Business Administration from the University of Richmond and earned the prestigious CFP® designation, the gold standard in the industry for Financial Planning. Jennifer is a member of the National Association of Personal Financial Planners (NAPFA).
After living in many parts of the country, Jennifer settled in Richmond over 30 years ago. She lost her husband to a battle with Leukemia in 2015, has an 11 year old daughter and an “All American” breed dog. Jennifer is passionate about her clients and her relationship with them. You can often hear Jennifer commenting that her clients are never far from her thoughts. Jennifer is an active member of her church and enjoys spending time with her family in the mountains of Virginia.
Based in Glen Allen, Virginia, Summit Financial Partners has been helping individuals and families reach their financial goals and to enjoy the comfortable retirement lifestyle they dreamed of.
At Summit Financial Partners, we are Fiduciary Advisors, which means we are legally bound to uphold our fiduciary duty to act in our clients’ best interest at all times. The fiduciary duty is one the most important professional obligations and we take our requirement to operate in a fiduciary capacity very seriously.
To be more specific, the National Association of Personal Financial Advisors (NAPFA) defines the role of a fiduciary as:
“A financial advisor held to a Fiduciary Standard occupies as position of special trust and confidence when working with a client. As a Fiduciary, the financial advisor is required to act with undivided loyalty to the client. This includes disclosure of how the financial advisor is to be compensated and any corresponding conflicts of interest.”
At Summit Financial Planning, we strictly abide by this definition. And as members of NAPFA, we sign the following Fiduciary Oath annually upon renewing our membership.
- The advisor shall exercise his/her best efforts to act in good faith and in the best interests of the client.
- The advisor shall provide written disclosure to the client prior to the engagement of the advisor, and thereafter throughout the term of the engagement, of any conflicts of interest, which will or reasonably may compromise the impartiality or independence of the advisor.
- The advisor, or any party in which the advisor has a financial interest, does not receive any compensation or other remuneration that is contingent on any client’s purchase or sale of a financial product.
- The advisor does not receive a fee or other compensation from another party based on the referral of a client or the client’s business.