Privacy Policy

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Maintaining your trust is our highest priority. And we are committed to preserving the confidentiality, integrity, and security of all personal information that is entrusted to us. For this reason, we have adopted policies and procedures reasonably designed to protect the information you provide us and to use it responsibly. We adhere to the following policy regarding the privacy of your nonpublic personal information and personally identifiable information (collectively “Nonpublic Personal Information”).

Information that we collect

In connection with providing you with financial management services and retirement planning advice, we may obtain Nonpublic Personal Information from you or others, including your name & address, e-mail address, telephone numbers, Social Security Number, other information that permits us to contact, communicate, or coordinate with you, information about your financial situation (including your employment, or occupation, salary, assets, insurance and investment transactions), banking information, and other financial and tax information you may elect to supply us. For advice pertaining to certain insurance products, we may also collect health information that you provide us.

Information that we disclose

As permitted by law and outlined in this policy, we disclose Nonpublic Personal Information to affiliates and unaffiliated third parties that provide services to us or whom we have contractual relationships in order that we may effectively and efficiently carry out your directions and service your needs. Examples of third parties with whom we may share your Nonpublic Personal Information include:

  • Other individuals or entities that you may authorize us to provide information to, or collect from, such as your accountant, attorney, or mortgage professional.
  • Clearing agencies, broker/dealers, mutual fund and insurance companies, banks and other product sponsors in order to generate proposals, quote insurance, execute your transactions, or otherwise service your accounts with those third parties.
  • Companies providing account performance and/or reporting services to your accounts, and/or that provide services to us to assist with the maintenance of required books and records or to facilitate client mailings or publications on our behalf.
  • Government entities, regulatory authorities, or other third parties in response to subpoenas or other legal process as required by law or regulation.

When information is shared with third parties, they are not permitted to use the information for any purpose other than to assist our servicing of your account(s), or as permitted by law.

If you discontinue your relationship with us, or we lose contact with you, we will continue to share information in accordance with our current privacy policy and practices.

We restrict access to your Nonpublic Personal Information to authorized employees. We maintain physical, electronic, and procedural safeguards designed to comply with federal standards in an effort to guard your Nonpublic Personal Information.

The policies reflect our commitment to maintaining the privacy of your confidential information. Thank you for entrusting our firm with your financial management and retirement planning needs. We greatly appreciate the opportunity to serve you.