Disclosures

Professional Credentials

Todd Sensing holds both the Chartered Financial Analyst (CFA) charter and the Certified Financial Planner (CFP®) certification. These are independent designations issued by separate organizations.

The CFA charter is awarded by CFA Institute to candidates who pass three sequential exams covering investment analysis, portfolio management, and ethical standards, and who meet professional experience requirements. As of 2025, approximately 204,000 professionals worldwide hold the CFA charter. Source: CFA Institute.

The CFP® certification is awarded by CFP Board to candidates who complete education requirements, pass a comprehensive examination, meet experience standards, and agree to ongoing ethical and fiduciary obligations. As of December 31, 2025, there were 107,529 CFP® professionals in the United States. Source: CFP Board.

Todd also holds the Certified Exit Planning Advisor (CEPA®) designation from the Exit Planning Institute and the Chartered Special Needs Consultant (ChSNC®) designation from The American College of Financial Services.

References to "CFA + CFP" or "Investments & Planning" on this website describe the combination of these two credentials. The CFA charter reflects training in investment analysis and portfolio management. The CFP® certification reflects training in comprehensive financial planning. Together they represent expertise across both disciplines.

Experience

References to "25+ years" and "Capital Markets" describe Todd Sensing's career in capital markets and financial services, which began in 1993. This includes proprietary trading, work on the funding desk at the Federal Home Loan Bank of Atlanta, management of a long/short real estate fund launched in 2007, and wealth advisory. The reference to FHLBank Atlanta holding $143.5 billion in total assets is as of December 31, 2006, per the bank's Form 10-K filed with the SEC; it describes the institution, not assets managed by Todd Sensing. A detailed professional history is available via FINRA BrokerCheck or the SEC Investment Adviser Public Disclosure database.

Fee-Only Fiduciary

FamilyVest operates through Farther Finance Advisors, LLC, a fee-only registered investment adviser. "Fee-only" means our compensation comes exclusively from client-paid fees. We do not receive commissions, 12b-1 fees, or other compensation from third parties for recommending specific products. As a fiduciary, we are legally obligated to act in our clients' best interests.

Farther Finance Advisors, LLC (CRD# 302050) is registered with the U.S. Securities and Exchange Commission. Registration does not imply any level of skill or training.

Google Reviews

The star rating displayed on this website reflects voluntarily submitted reviews on our Google Business Profile. Reviews are scored on a 1-to-5 star scale and are available to all Google users. No compensation was provided to reviewers. Individual experiences may vary and are not necessarily representative of all clients. Review counts and ratings are updated periodically; the "as of" date is displayed alongside the rating where it appears on the site.

Financial Times Quote

"The gold standard of the investment management profession" is a characterization of the CFA charter from the Financial Times. Source: "The investment industry's gold standard," Financial Times. This quote reflects the Financial Times' editorial characterization and is not a statement by FamilyVest or Farther Finance Advisors.

CFA Charterholder Statistics

As of 2025, approximately 204,000 professionals worldwide hold the CFA charter. The CFA Program consists of three levels of examination. Historical pass rates for the CFA exams have varied by level and year; CFA Institute publishes exam results and historical pass rate data on its website. References to completion rates on this site reflect CFA Institute's published historical data. Source: CFA Institute.

Exit Planning Statistics

References to business owners losing 30–40% of potential value in poorly planned exits reflect research and industry data cited by the Exit Planning Institute and related sources. These figures primarily relate to tax liability, deal structure, and preparation gaps that reduce net proceeds. Actual outcomes vary significantly based on individual circumstances including business type, deal structure, tax jurisdiction, and planning horizon. Source: Exit Planning Institute.

Farther Finance Advisors

FamilyVest is a trade name (dba) used by Todd Sensing, an investment adviser representative of Farther Finance Advisors, LLC. FamilyVest is not a separate legal entity; it operates under Farther's SEC registration. Farther Finance Advisors, LLC (CRD# 302050) is registered with the U.S. Securities and Exchange Commission. The practice was operated independently prior to joining Farther in 2024; since that date, all advisory services are provided through Farther's registration. Registration does not imply any level of skill or training.

For complete regulatory disclosures about Farther Finance Advisors, including advisory services, fees, conflicts of interest, and disciplinary history, please review the following:

• Form ADV via SEC Investment Adviser Public Disclosure (IAPD)
• Farther Finance Advisors Full Disclosures (PDF)