OUR FINANCIAL PLANNING BILL OF RIGHTS

AS TO THE CLIENT:

RIGHT TO FEEL COMFORTABLE
You have the right to feel comfortable with your planner. Planners set criteria for the kind of clients with whom they work. Similarly, you have the right to work with someone
whose approach and personality allow you to participate fully and comfortably.

CONFIDENTIALITY
You have the right to have your information protected to the strictest levels of confidentiality and highest standards as outlined by Cetera Advisor Networks, FINRA, state and regulatory agencies.

VALUES BASED CONVERSATION AND EXPERIENCE
You have the right for your situation to be understood. By listening to you, we will gain an understanding of your situation, what is important to you, and what goals you want to achieve in the planning process. By asking questions, we will gain a better understanding of what is important about money to you. 

RECOMMENDATIONS BASED ON YOUR VALUES AND NEEDS
You have the right to your goals and concerns treated with respect with no judgments and have the right to independent and un-conflicted advice based upon your values and needs.

EDUCATION
You have the right to clear explanations for all recommendations and thorough answers to all questions. You should feel comfortable with the recommendation being made before taking any action.

TRANSPARENCY
You have the right to full disclosure and a transparent relationship, with an understanding of all fees, and costs associated with your planning.

TIMELY COMMUNICATION
You have the right to a planner who is available to you. You and your needs are important, and you have a right to be treated accordingly. If you need information, or just reassurance and support, your planner should be there for you.

 AS TO THE PLANNER:

OPENNESS AND CANDOR
The client must be prepared to discuss all aspects of engagement with honesty and candor.

COOPERATION
The client agrees to work with the planner in a cooperative spirit in expediting the work of the planner.

SPIRIT OF IMPLEMENTATION
Once all questions have been answered, and the client is comfortable and all plan of actions have been agreed upon, the client will proceed to implement the plan in a timely manner.