The NAPFA Consumer Education Foundation (NCEF) is changing lives through pro bono financial advice.  The mission of NCEF is to empower consumers to achieve positive financial outcomes and to support fee-only financial advisors in providing objective financial guidance to consumers on a pro-bono basis.  It is a 501(c)(3) organization built upon the expertise of the National Association of Personal Financial Advisors’ (NAPFA) more than 2,800 members and its high standards within the industry. Each advisor must sign – and annually renew – a fiduciary oath, and subscribe to a code of ethics.