About Richard
Richard Carr, CFP®, ChFC®, CLU®, CASL®, MSFS
· Registered Investment Advisor under Carr Financial Group
Credentials
The American College, MAsters Degree Financial Planning, August 2017
Chartered Advisor for Senior Living (CASL) May 2006
The American College Chartered Retirement Planning Counselor (CRPC) March 2005
The American College CERTIFIED FINANCIAL PLANNERTM practitioner July 1994
The College for Financial Planning Chartered Financial Consultant (ChFC®) October 1996
The American College Chartered Life Underwriter (CLU®) February 2001
Institute For Business & Finance, Certified Fund Specialist (CFS) March 2002
Education
Master's degree
Bachelors
Licenses
Series 6
Series 63
Series 7
Other Credentials
CFP®
ChFC®
CLU®
CRPC®
MSFP
IBF Designations
CFS®
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Certified Fund Specialist
Deep, practical knowledge of mutual funds, ETFs, and managed portfolios.
CES™
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Certified Estate & Trust Specialist
Estate planning, trusts, wealth transfer, and fiduciary responsibilities.
Interested in earning an IBF designation? Explore all programs
Contact Richard
Richard Carr & Associates Financial Services
Worcester, MA
Phone
(508) 795-0264
Email
At a Glance
IBF Designations
2
Member Since
2002
Other Credentials
5
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Practitioner-Reviewed education since 1988
Profile verified · March 2026
Understanding Credentials
What makes an IBF-designated advisor different?
1988
Established track record
Founded by a practicing financial advisor who believed designations should teach practical skills, not just theory.
CE
Ongoing requirement
IBF-designated advisors maintain credentials through continuous education, keeping knowledge current.
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Nonprofit education
Focused on advisor education and professional development. Content reviewed by practicing advisors and SMEs.