Privacy statement

We are committed to keeping the personal information collected about our potential, current and former customers confidential and secure. The proper handling of personal information continues to be one of our highest priorities. We want to be sure that you know why we need to collect or have collected personal information about you. We also want to explain to you our commitment to protect the personal information we collect about you.

Customer information

We collect only information that is necessary for us to provide services requested by you and to administer your business with us. We may collect personal information:

From you when you provide information via our web site by completing our fact finders for comprehensive financial planning, or applications or other forms when you purchase or request information about securities, insurance products or investment advisory services. This may include information such as your name, address, social security number, assets, income and any medical information that you authorized us to collect for insurance products.
From a consumer-reporting agency for information such as your credit history.
As a result of transactions with us, our affiliates, product or services providers, or others. This may include account numbers, account balances, parties to transactions.

Sharing information

We only share your personal information with affiliated and non-affiliated companies or individuals as permitted or required by law, such as third party administrators and consumer reporting agencies, or to comply with legal or regulatory requirements. In the normal course of our business, we may disclose personal information we collect about you to companies or individuals that contract with us to perform servicing and other functions such as:

Record keeping.
Preparation of statements.
Distribution of materials.
Computer-related services.
Administrative services related to securities, insurance and advisory transactions.
Joint marketing of products.

When we provide personal information to a service provider, we require these providers to agree to safeguard your information, to use the information only for the intended purpose and to abide by applicable law.

Access to information

Only individuals with a valid business reason have access to your non-public personal information. All such persons who work with confidential information are trained on the importance of maintaining the confidentiality and security of the information and are required to abide by our information-handling practices.

Protection of information

We maintain security standards to protect your personal information, whether written, spoken or electronic. We update and test our systems to assure the protection and integrity of the information.

Maintenance of accurate information

We strive to maintain accurate, up-to-date customer records in accordance with industry standards. We have procedures in place to keep information current and complete, including timely correction of inaccurate information.

Disclosure of our privacy policy statement

We recognize and respect the privacy concerns of our potential, current and former customers, and are committed to safeguarding non-public personal information. As a member of the financial services industry, we are making available this Notice of Privacy Policy for informational purposes and will update it and distribute it as required by law. It is also available by request.