Background & Education

Professional Credentials and advanced education help you determine advisor competence, distinguish between professionals who are passionate about their work, who value higher education, and help you make an objective decision when choosing a financial advisor. Many advisors become complacent with their education. For Jeremy, education is a top priority. He strives to continually advance his education and knowledge so that he may provide you with valuable information, insight, planning, and investment strategies. The following are professional credentials that Jeremy has earned:

Jeremy E. Portnoff, MSFS, CFP®, CIMA® CMT®

  • CALIFORNIA STATE UNIVERSITY FULLERTON – BA in Business Adminstration with concentration in Personal Financial Planning which is a CERTIFIED FINANCIAL PLANNER™ Board registered education program allowing graduates to sit for the  CFP® upon completion of the Degree.
  • MASTERS OF SCIENCE IN FINANCIAL SERVICES (MSFS) – The MSFS degree from the Institute of Business & Finance remains to be one of the only financial planning graduate programs designed by practitioners for practitioners. This advanced degree requires study across multiple financial planning topic areas such as retirement, investments, portfolio management, insurance, employee benefits, estate planning, tax planning, income planning, and real estate. Students must complete all coursework and demonstrate understanding of comprehensive financial planning through delivery of a comprehensive financial plan.
    • CERTIFIED FINANCIAL PLANNER™ (CFP®) – The marks of CFP® and CERTIFIED FINANCIAL PLANNER™ are awarded to those who have completed the established and rigorous education, examination, experience, and ethical requirements of the CERTIFIED FINANCIAL PLANNER™ Board of Standards certification process.

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    • CERTIFIED INVESTMENT MANAGEMENT ANALYST® (CIMA®) – The CIMA certification signifies that an individual has met initial and ongoing experience, ethical, education, and examination requirements for investment management consulting, including advanced investment management theory and application.

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    • CHARTERED MARKET TECHNICIAN® (CMT®) – The CMT program develops deep knowledge in technical analysis which is the study of price action and market statistics, e.g. volume, to infer price trends and manage risk. A technician asks, “what is happening?” instead of “why is it happening?” or trying to evaluate “what should be happening?” to determine investment decisions.

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    • CHARTERED RETIREMENT PLANS SPECIALISTSM (CRPS®) – The marks of CHARTERED RETIREMENT PLANS SPECIALISTSM and CRPS® are awarded by the College for Financial Planning® after successful completion of a specialized study course that provides a foundation for giving retirement planning advice to corporations and small businesses.  

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    • CERTIFIED ESTATE SPECIALIST™ (CES™) – This graduate-level designation offered by the Institute of Business & Finance is conferred upon candidates who complete a specialized educational program focusing on trusts, wills, probate, retirement benefits, caring for children, and what should be done after the death of a loved one. CES™ certification requires mastery of different types of trusts, ownership rules, disinheritance, probate, pay-on-death accounts, insurance, spousal restrictions, special needs, conservatorships, and managing assets.

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    • CERTIFIED FUND SPECIALIST® (CFS®) – This graduate-level designation offered by the Institute of Business & Finance is conferred upon candidates who complete a specialized educational program focusing on closed-end funds, mutual funds, ETFs, REITs, UITs and modern portfolio theory. CFS® certification requires mastery of portfolio construction, risk measurement, manager selection, monitoring, income strategies, retirement accounts, titling, taxation and the psychological aspects of finance.

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    • CERTIFIED TAX SPECIALIST™ (CTS™) – This graduate-level designation offered by the Institute of Business & Finance is conferred upon candidates who complete a specialized educational program focusing on personal income taxes and methods to reduce tax liability. CTS™ certification requires mastery of the basic income tax formula and its computation, retirement plans, deductions, credits, capital gains, depreciation, payroll taxes, and tax planning.

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    • CERTIFIED ANNUITY SPECIALIST® (CAS®) – This graduate-level designation offered by the Institute of Business & Finance is conferred upon candidates who complete a specialized educational program focusing on various aspects of traditional fixed-rate, equity indexed, and variable annuities. CAS® certification requires mastery of contract structure, tax ramifications, strategies, income structuring, and principals of asset allocation.

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    • CERTIFIED INCOME SPECIALIST™ (CIS™) – This graduate-level designation offered by the Institute of Business & Finance is conferred upon candidates who complete a specialized educational program focusing on fixed-income instruments, retirement and financial planning, taxes, Social Security, withdrawal plans, stretch IRAs, and reverse mortgages. CIS™ certification requires mastery of Medicare, income taxes, fixing any income shortfall, home health care, reverse mortgages, surviving a bear market, plus accumulation and distribution concerns.

    I do my best work with clients who are within about 5-10 years of retirement who are motivated, committed to and value partnering with an educated financial planner to navigate through the sea of financial confusion to formulate a financial plan that provides the clarity they need about their financial health to know when they can retire confidently so they can have a comfortable, relaxing and enjoyable life, spend more time with family/friends creating wonderful and lasting memories for themselves and their loved ones, and to keep more of their hard-earned money through thoughtful long-term planning. 

    Life is stressful enough as it is. Work and family responsibilities can often take a toll on one’s mental health and when we’re not at our best, we are at risk of not engaging with our loved ones in a positive manner. In other words, we might come home stressed from work and our little ones want to play but we push them away because we don’t want to be bothered or we snap at our spouse/partner over something very minor. We’ve all been there at one time or another. Meanwhile, money matters are well known to be a leading cause of marital/relationship conflict. It is often the cause of a negative state of mind that can lead to not being at our best. My goal in helping people improve their financial health, to have financial security, prosperity and well-being is to reduce or even perhaps eliminate the potential stress and/or anxiety around money, ultimately to improve quality of life so that we can be at our best!

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