The information we collect about you:

You have given us significant personal information as a required part of creating a relationship for us to provide financial services. You have also provided personal information as part of opening brokerage, insurance, or other related accounts necessary to allow us to provide financial services to you. In addition to personal information you provide to us, we may receive information about you that you authorize third parties to provide to us. We also may obtain personal information from third parties in order to verify your identity, to prevent fraud, or to help us identify products and services that may benefit you. Personal information collected from any source may include, among other things, your name and address, Social Security or taxpayer identification number, date of birth, assets, income, account balances, investment activity, and accounts at other institutions.

How we handle your personal information:

We do not sell information about current or former clients or their accounts to third parties. In addition, we do not share information about clients or prospective clients, except when needed to complete transactions at your request, or to provide you with administrative and account services.

Here are some examples:

In order to complete certain transactions or account changes that you direct, it may be necessary to provide identifying information to companies, individuals, or groups with whom we are not affiliated. For example, if you ask to transfer assets from another financial institution to an account for which we provide investment advisory services, we will need to provide certain information about you to that company to complete the transaction. In certain instances, we contract with nonaffiliated companies to perform services for us and for your account. Where necessary, we will disclose information we have about you to these third parties. In all such cases, we provide the third party with only the information necessary to carry out its assigned responsibilities, and only for that purpose. And we require these third parties to treat your private information with the same high degree of confidentiality that we do. For example, we utilize an account administrator to create and disseminate account statements and performance reporting. Finally, we will release information about you if you direct us to do so, if we are compelled by law to do so, or in other legally limited circumstances (for example, to prevent fraud).

Protecting electronic communication:

Our concern for the privacy of our clients includes those who use our website ( or communicate with us by e-mail.  Our website and that of our account administrator, uses data encryption, user names and passwords. These technologies provide a high level of security and privacy when you access your account information. Most e-mail communications are not encrypted. Please do not send us account identity information utilizing such systems. We will not contact you asking for this type of information. When you visit a website, we may collect certain technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our website. This information may be used, for example, to alert you to available resources, to resolve technical or service problems, or it may be analyzed to improve our Web design and functionality, and our ability to serve you and your accounts.

How we protect your information:

To protect your personal information, we maintain physical, electronic, and procedural safeguards in keeping with industry standards and practices, and we review and adjust these safeguards regularly in response to advances in technology. We require the firms that provide us with services for your account to execute contracts providing for confidential treatment of your information.

What you can do:

For your protection, we strongly recommend that you do not provide your account information, user name, or password to anyone. If you become aware of any suspicious activity relating to your account, it is your responsibility to contact us immediately. At no time will we contact you and ask for your user name or password.

We will keep you informed:

As required by federal law, we will notify you of our privacy policy annually. We reserve the right to modify this policy at any time, but rest assured that if we do change it, we will tell you promptly. Should you have concerns at any time, please call.

Client Brochures and Form ADV Part 1 & 2:

At least annually, we update our Form ADV, Parts 1 and 2. This document describes the services and business practices and relationships with others. You may receive the most recent Form ADV Part 1 on the Internet at If you would like to receive a free copy of either ADV Part 1 or Part 2, please contact by phone of the Contact Form on our website.

Update your information:

Should you have significant life changes, such as a marriage, birth of a child, change of contact information, death of a spouse, divorce, or other significant change in your financial position, please contact us to determine if such changes will alter your investment objectives, risk tolerance, or investment horizon.