Fiduciary Oath

• I shall act in good faith and in my client’s best interest at all times.
• I shall provide written disclosure to my client of any conflicts of interest that may compromise my impartiality or independence.
• I shall not accept any referral fees or compensation that is contingent upon the purchase or sale of a financial product.

Code of Ethics

Recognizing our fiduciary responsibility to clients and the public, we uphold the highest standards of care in the industry by espousing and practicing:

• Objectivity
• Complete Disclosure
• Integrity and Honesty
• Competence
• Confidentiality
• Fairness and Suitability
• Professionalism, and
• Regulatory Compliance

Client Responsibilities

In addition, we expect you as a client to be honest and sincere in allowing us to provide the best service we can. You will need to:

• Provide the background information necessary for an advisor to make informed judgments and recommendations.
• Be ready to consider new information.
• Ask for clarification when you don’t understand something.
• Be forthcoming about your personal values, including goals, concerns, and preferences.
• Let us know if there are things we can do to improve our service to you.

We will be guided by the principles outlined above. Working together, our relationships with clients are both professionally and personally satisfying.