Broker Check
Tracy L Rosenau, EMBA, CFF, BPC

Tracy L Rosenau, EMBA, CFF, BPC

Financial Advisor | Investment Advisor Representative

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 recent historic economic and stock market events 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. She enjoys the privilege of helping people with some of the most important decisions of their lives and giving them peace of mind that they have a plan to accomplish their dreams. She also loves that because of how invested she gets in her clients’ lives they really do become friends and family.

Using her people- and product-management backgrounds, 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. 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 experts 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 fitness and exploring the beautiful outdoors with friends, family, and beloved four-foots.

“A friend is one of the nicest things you can have, and one of the best things you can be.” – Douglas Pagels

The CFF certification is 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.  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.