Tracy Rosenau is a 30-year financial services industry veteran and dedicated holistic financial advisor. Life is hard sometimes, and experience matters. Successfully navigating real world experiences like elder care, divorce, career change, entrepreneurship, and numerous historic economic and stock market events of recent decades requires empathy, understanding and wisdom. Her personal and professional experiences are why Tracy is uniquely able to meet clients wherever they are in their financial lives.
Using her extensive brokerage, asset management, alternative investment, and insurance background, Tracy simplifies complex concepts, educating clients to give them a full understanding of possible outcomes and strategies that can be achieved through a collaborative, customized financial plan designed to help them achieve their dreams. Financial planning is not a one-time transaction but should be a long-term partnership with a service-focused fiduciary professional committed to regularly reviewing the whole financial picture, coordinating with clients’ current providers, and quarterbacking a holistic plan that is capable of flexing with whatever life throws at clients. With JL Smith, clients have access to not just experienced financial advisors, but licensed attorneys, CPAs, Tax, Medicare, and Social Security specialists who help clients avoid costly mistakes when facing the asset gathering, as well as the pre-retirement and retirement phases of their lives.
Tracy holds an Executive MBA (EMBA), is an investment advisor with Series 7 and Series 66 licenses, is a Certified Financial Fiduciary® (CFF), a Bucket Plan Certified® planner, and carries Life, Health and Annuities licenses in multiple states. A life-long Cleveland native, in her spare time she enjoys all manner of sports and outdoor recreation with family, friends, and beloved 4-foots
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 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 BPC designation is awarded by Clarity 2 Prosperity. In order to earn the designation you must have a bachelor’s degree or two years of industry experience, a life insurance license and must maintain one of the required designations or exam requirements. You must complete The Bucket Plan 1.0 Introductory eLearning course, attend the two-day Bucket Plan 1.0 training, complete The Bucket Plan 1.0 Advanced eLearning course and pass a comprehensive exam with a score of 75% or higher. Designation recipients must complete these requirements every two years in order to maintain the designation. They must also comply with the BPC Code of Ethics requirements.