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Disclosures and Disclaimers

Investment Advisory Services

A More Certain Path, LLC (CRD# 317497) is a registered investment adviser domiciled in the State of Louisiana. A More Certain Path, LLC may only offer investment advisory services in the United States with residents of states and jurisdictions in which A More Certain Path, LLC is properly registered or exempted from registration while serving a de minimis number of clients in any given state (number varies by state). Therefore, a request for investment advisory services may be delayed until appropriate registration is obtained or exemption from registration has been confirmed. The presence of this web site on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the state(s) in which A More Certain Path, LLC is registered or exempted from registration under de minimis rules.

AMCP provides investment advice through consultations that do not include ongoing supervision or management of investment accounts. Investment advisory services can be provided either through an on-going client-advisor relationship or on a per event basis, depending on the client’s level of need for investment portfolio advice. For clients who do not want to be responsible for the implementation of portfolio rebalancing instructions, we may recommend independent, unaffiliated third-party investment managers who provide portfolio management services.

Firm ADV Brochure
A More Certain Path, LLC will provide all prospective clients with a copy of our current brochure prior to commencing an Advisory relationship. Existing clients will receive an updated copy annually.

Website Content

Information in this website has not been approved or verified by the State of Louisiana, the United States Securities and Exchange Commission or by any state securities authority. Registration as a registered investment adviser does not imply a certain level of skill or training.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of Katrina J. Kourkoutis, A More Certain Path, LLC. Any third-party material presented is believed to be from reliable sources and we make no representations as to its accuracy or completeness. These sites contain information that has been created, published, maintained, or otherwise posted by institutions or organizations independent of A More Certain Path, LLC. A More Certain Path, LLC does not endorse, approve, certify, or control these websites and does not assume responsibility for the accuracy, completeness or timeliness of the information located there. All information and ideas should be discussed in detail with your individual advisor prior to any plan implementation. Links to other sites endorsing securities should not be construed to be a recommendation of that security by Katrina J. Kourkoutis or A More Certain Path, LLC.

This website is provided on an “as is” and “as available” basis. Use of this website is at your own risk. We and our suppliers disclaim all warranties.

Advisor Certifications

The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).


The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States.


To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:


  • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;

  • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;

  • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and

  • Ethics – Agree to be bound by CFP Board’s , a set of documents outlining the ethical and practice standards for CFP® professionals.


Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:


  • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the and other parts of the S, to maintain competence and keep up with developments in the financial planning field; and

  • Ethics – Renew an agreement to be bound by the CFP Board Code of Ethics and Standards of Conduct. CFP® professionals are required to provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.


CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.


The ACCREDITED FINANCIAL COUNSELOR® (AFC®) certification is offered through the Association for Financial Counseling & Planning Education (AFCPE®). The AFCPE® is a nationally recognized leader in financial counseling, coaching and education. After payment of the exam fee, the individual completes a single, three-hour session exam with 165 multiple-choice questions. The AFC Program Competencies include gathering Client Information; assist a Client in creating an Action Plan; Develop Financial Statements, Ratios and Spending Plans; Manage Money; Manage Credit and Debt; Educate a Client about Consumer Protection; Education a Client about Major Acquisitions; Manage Financial Risks; Discuss Investment Basics with a Client; Education a Client about the Financial Aspects of Retirement and Estate Planning.


An AFC® is required to complete 1,000 hours of financial counseling experience and submits three letters of reference attesting to their professional competence prior to receiving certifcation. The individual is also required to complete 30 hours of continuing education every two years and abide by a Code of Ethics.


Scope of Services

Any tax or legal information contained in this website is provided for information purposes only. No decisions should be made, or actions taken on any information without consulting with a tax or legal professional to ensure that the information is beneficial to your personal circumstances. A More Certain Path, LLC does not provide legal or tax advice, and will always refer clients to a relevant professional to determine appropriate tax or legal actions for the client’s personal situation.

Strategy Sessions Cancellation Policy

Please understand that appointment times are limited. If you must cancel your appointment, we respectfully request a minimum of 24 hours notice. Missed appointments, or appointments cancelled without 24 hour notice, will incur a fee of $75. The balance of your prepayment will be refunded to the payment method you chose or applied to your next session, as directed by you.


Tax, Legal and Accounting Advice
AMCP does not provide tax, legal, or accounting advice. Any recommendations or information relating to tax, legal, or accounting should be reviewed with an appropriately trained and licensed advisor to ensure information is appropriate for your individual circumstance.

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