Prosperity:
The Prosperity pillar of XJD is where wealth is protected and grown. Agents of this division combining insurance, retirement planning, and tax-advantaged strategies to manage risk and build lasting financial security for individuals and businesses.
The Core 4 Credentials
Agents of the Prosperity Division, at their own pace will seek to complete the Core 4 credentials:
Accredited Financial Counselor
FINRA Series 65 (IAR) /Series 7 (RR)
IRS Enrolled Agent
CPA
CFEI + AFC
The Certified Financial Education Instructor (CFEI) is a nationally recognized credential that equips professionals to teach core financial literacy skills, from budgeting to debt management, in a way that empowers individuals to take control of their money.
The Accredited Financial Counselor (AFC) is awarded by the Association for Financial Counseling & Planning Education and focuses on guiding clients through real-life financial challenges such as credit repair, debt reduction, and building long-term stability.
FINRA Series 65 (IAR)/Series 7 (RR)
The Series 65 license designates an Investment Adviser Representative, authorized at the state level under national NASAA standards. It allows us to provide fee-based financial advice, retirement planning, and portfolio management with a fiduciary duty to act solely in the best interest of our clients. This service elevates our clients’ standing by giving them access to professional guidance that strengthens long-term wealth strategies and decision-making.
The Series 7 license is issued nationally by FINRA and qualifies a Registered Representative to trade and sell securities such as stocks, bonds, and options through a broker-dealer. It gives our clients direct access to the broader investment markets, opening the door to diversification, capital growth, and tailored solutions that align with their goals.
IRS Enrolled Agent
The Enrolled Agent (EA) is the highest credential awarded by the Internal Revenue Service, granting full authority to represent taxpayers before the IRS in all matters, including audits, collections, and appeals. As federally licensed tax professionals, EAs specialize in taxation, helping clients minimize liabilities, stay compliant, and structure their finances in ways that strengthen both personal and business standing.
Certified Public Accountant
The Certified Public Accountant (CPA) is the most trusted and widely recognized accounting credential in the United States, licensed at the state level with oversight by national boards. CPAs are experts in financial reporting, auditing, taxation, and business consulting, bringing a depth of knowledge that strengthens credibility and decision-making for both individuals and organizations. Within Prosperity, the CPA represents the pinnacle of financial mastery — guiding clients through complex structures and ensuring their finances withstand the highest standards of scrutiny.
