Client Rights

To Be Informed

• Our clients have the right to know what services and products comprise their financial accounts and why these were chosen for them.

Accurate & Candid Portfolio Assessment

• Our clients have the right to expect that we will provide ongoing review and assessment of their investment performance and provide sound, accurate, and candid advice. We understand that sometimes it is not easy to hear the painful truth, but in these instances, our clients rely on us to share this important information with them.

Transparency

• Our clients have the right to know what and how they are being charged. They are entitled to clear explanations of the costs associated with the management of their accounts.

To Be Heard

• Our clients have the right to raise questions and have them answered truthfully regarding the management of their money. This right includes having their phone calls and emails returned promptly.

Quality Service

• Our clients have the right to expect prompt, courteous and professional assistance in their dealings with our team. They have the right to expect clear communications in the way they prefer – be it in person, over the phone, or via email communications.

To Be Treated With Dignity & Respect

• Our clients have the right to be treated as individuals with unique financial backgrounds, education, and goals. We want to make sure that their financial questions are answered in a way that works for them. We recognize that we have been in the financial industry for many years and that it has a unique language. We believe that the only stupid question is the one that remains unasked.

Access To Accurate & Timely Statements Of Accounts

• Our clients have the right to fully understand the strategies that we deploy on their behalf. They have daily access to all their account balance and transaction information, including fees when charged.

Client Responsibilities

Our Clients are Expected to:

Fully Disclose Accurate Information About Financial Status

• It is absolutely critical that we have complete and accurate information about all aspects of our clients’ financial lives. This enables us to make informed recommendations and render advice relevant to achieving our clients’ financial goals.

Ask Questions About Recommendations

• We expect our clients to ask us any questions they may have about our recommendations and strategy deployment. We want to make sure that they understand the reasons behind our strategy.

Inform Us Of How We Can Provide Better Service

• We are constantly improving our services and strategies and to that end, we rely on our clients’ candid feedback, whether positive or negative.

Immediately Notify Us Of Any Changes In Their Financial Situation

• We need to know about major changes in our clients’ lives such as divorce, loss of a loved one, loss of a job, or other significant occurrence. Our advice and guidance are predicated upon knowing our clients’ current financial status.

Be Candid With Our Team About Any Accounts Or Investments That Are Self-Managed Or Managed With Another Firm

• We need to see “the whole board” of our clients' financial lives to avoid inadvertently rendering advice or strategies that cause their risk or investment allocations to become unbalanced.