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:

• When required to provide services our customers have requested;

• When our customers have specifically authorized us to do so;

• When required during the course of a firm assessment (i.e., independent audit); or

• When permitted or required by law (i.e., periodic regulatory examination).

Within the firm, access to customer information is restricted to personnel that needs to know that information. All 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 or 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 an annual basis per federal law and at any time, in advance, if firm privacy policies are expected to change.

If you have any questions or concerns, please don't hesitate to contact us directly.