Who We Are


WHAT WE DO
CPN Programs is a Non-Commission, credit consulting firm with its headquarters located in Nashville, Tennessee. CPN Programs provides Personalized Credit and Financial Management Services including Financial Planning and Credit Management Strategies to individuals and business entities, profit and non-profit organizations as well as funding programs. CPN Programs and its award-winning advisors are credit consultants.

The staff at CPN Programs recognizes that along with financial success comes increased responsibilities and complexity. CPN Programs can examine the critical interdependencies among credit repair, income and funding, income for retirement, daily expense management, as well as business counseling and philanthropic decision-making, if desired by the client. CPN Programs recognizes that its clients have unique financial needs and goals that change over time. CPN Programs can demonstrate the short-term as well as long-term benefits of Financial Planning for the numerous aspects of a client’s financial situation with the goal of improved decision-making.

CPN PROGRAM’S PERSONALIZED CREDIT MANAGEMENT SERVICES
Clients who utilize CPN Programs’s Personalized Credit Management Services are typically seeking unbiased advice with tailored recommendations, improved credit results especially with regard to funding, assistance with regard to the transfer of wealth to the next generation, protection of client wealth, and reduction of time spent overseeing client affairs and assistance with coordinating their financial matters among a multitude of other financial professionals.

CPN Programs takes pride in addressing each client’s situation on an individual basis. This includes committing to establishing trust, respect, and a lasting partnership with clients. Long-term client relationships as advisors, partners, and in many cases friends are deeply valued.

HOW CPN PROGRAM DIFFERS FROM ITS COMPETITION
CPN Programs differs from its competitors by working as a team for its clients, providing personalized attention every step of the way. In most firms, each advisor has his or her own set of clients. While any two advisors in those firms may operate in a somewhat similar manner, clients almost always receive two different levels of service as well as quality of advice. At CPN Programs, all clients are firm clients and are counseled in the same manner and receive the same high-quality level of advice and hands-on, courteous service. Each of CPN Programs’s advisory team members work on the clients’ behalf in a concerted manner thereby ensuring the quality of advice and level of service being provided.

Also, CPN Programs assists its clients with the time-consuming task of managing their credit affairs among multiple financial professionals in the fields of accounting, banking, insurance and/or legal matters. If a client does not work with a credit consulting professional in a particular area, CPN Programs will recommend a prescreened professional who can assist in that specialty.

CPN Programs further differs from competitors in that personalized solutions are created for its clients.

At CPN Programs, an analysis of all aspects fo the clients credit as well as the applicable ramifications of each decision would first take place and then be discussed at length with the client. A personalized credit building strategy would then be developed and agreed upon. If a particular strategy no longer fits the portfolio, a different approach would be developed to continue the credit building process with the best efficency in time and finanical obligations.

CPN Programs constantly searches for new credit management strategies to potentially maximize our clients’ results. Furthermore, financial efficiency both from a credit as well as a funding standpoint is continually reassessed.

FIVE REASONS TO CHOOSE CPN PROGRAM
→ CPN Programs is a Non-Commission, Fee-Only, credit advisory firm. Fee-Only means CPN Programs is compensated exclusively by client fees. While other CPN Programs, fee-based advisors and credit repair firms have numerous conflicts of interest due to the fact that they receive commissions.
→ Members of CPN Programs’s Credit Advisory Team have been selected by National Publications as “The Best Credit Advisors In America”.
→ Unlike most advisory firms and all credit consultants, CPN Programs and its advisors have chosen to be governed by the Standard of Law. Consultants are required to work in their clients’ best interests at all times.
→ CPN Programs designs dynamic, creative and personalized credit planning and financial solutions for its clients.
→ CPN Programs emphasizes low-cost credit repair where possible that is based on the needs and income of each client.

CPN PROGRAM'S PHILOSOPHY
CPN Programs is committed to safeguarding the confidential information of our clients. We hold all personal information provided to our firm in the strictest confidence. We consider it a privilege to work with our clients to help them meet their financial and credit needs. We recognize that this is a privilege that comes with responsibility – a responsibility to maintain the confidentiality of the personal information that they share with us. We take this responsibility very seriously. Our commitment to security and privacy is backed by industry-leading encryption, authentication, and network integrity technologies, and is maintained and upgraded on an ongoing basis.