Why We Collect and How We Use Information: We collect and use information for planning purposes with respect to our planning activities involving you. These include cash flow, risk management, tax, investment, estate and retirement planning.
How We Collect Information: We get most Information directly from you during our initial data gathering process and subsequently, during our on-going relationship, as the need arises. If we need to verify Information or need additional Information, we may obtain Information, with your permission, from third parties such as adult family members and other professional advisors.
How We Protect Information: We treat Information in a confidential manner. Our employees are required to protect the confidentiality of Information. Employees may access Information only when there is an appropriate reason to do so, such as prepare analysis or reports for your benefit. We also maintain physical, electronic and procedural safeguards to protect Information; these safeguards comply with all applicable laws. Employees are required to comply with our established policies.
Information Disclosure: With your permission, we may disclose any information when we believe it is in your best interest and when disclosure is required by law. For example, Information may be disclosed to other professionals (e.g., accountants and attorneys) and professional firms (e.g., insurance firms) to enable them to provide information and planning services for us, such as helping us to evaluate your risk management, tax and estate planning needs. Information may be disclosed to financial intermediaries to assist us in processing a transaction requested by you. Information may also be disclosed for audit purposes; or to law enforcement and regulatory agencies. For example, to help us prevent fraud, we may make other disclosures of Information as required and permitted by law. We do not make any disclosures of Information to other companies who may want to sell their products or services to you.
Access to and Correction of Information: Upon your request, we will make available your Information for your review. If during such a review or in the course of our regular meetings and discussions you find we have incorrect Information, we will generally make any corrections you request. The only exception, in accordance with legal requirements, Information collected in connection with, or in anticipation of, any claim or legal proceeding will not be made available. If you notify us that the Information is incorrect, we will review it. If we agree, we will correct our records. If we do not agree, you may submit a short statement of dispute, which we will include in any future disclosure of Information.