Privacy Policy

We respect the privacy of all clients and prospective clients (collectively termed “customers”), both past and present. It is recognized that you have entrusted our firm with non-public personal information and it is important that both access persons and customers are aware of firm policy concerning what may be done with that information.

The firm collects personal information about customers from the following sources:

  • Information customers provide to complete their financial plan or investment recommendation;

  • Information customers provide in engagement agreements and other documents completed in connection with the opening and maintenance of an account;

  • Information customers provide verbally; and

  • Information received from service providers, such as custodians, about customer transactions.

The firm does not disclose non-public personal information about our customers to anyone, except in the following circumstances:

  • To law enforcement authorities concerning suspected unlawful activities, to the extent permitted by the law;

  • As required to comply with federal, state, or local law;

  • As required to comply with a properly authorized civil, criminal, or regulatory investigation or examination, or subpoena or summons, by a governmental authority;

  • As necessary to defend against allegations of wrongdoing made by a governmental authority;

  • As necessary to present a civil claim against, or defend against a civil claim raised by, a client;

  • As required to comply with a request from CFP Board concerning an investigation or adjudication; and

  • As necessary to provide information to professional organizations that are assessing the CFP® professional’s compliance with professional standards.

Within the firm, access to customer information is restricted to personnel that need to know that information. Any access persons and service providers understand that everything handled in firm offices is confidential and they are instructed not to discuss customer information with someone else that may request information about an account unless they are specifically authorized in writing by the customer to do so.

This includes, for example, providing information about a spouse’s IRA to children about a parent’s account. To ensure security and confidentiality, the firm maintains physical, electronic, and procedural safeguards to protect the privacy of customer information. The firm will provide you with its privacy policy on periodic basis per regulatory guidelines and at any time, in advance, if firm privacy policies change or are expected to change.