Legal Stuff

Click the title to download and view or print these documents.

ADV Part II 
This document, sometimes known as a Disclosure Brochure, is provided to all of our clients and prospective clients in order to provide an outline of our business, how we operate, who we serve, who we are, etc. It is intended to describe our business and how we interact with clients. When looking for a financial planner, you should always ask for a copy of this.

Client Service Agreement
This is a fancy phrase for a contract. We have one of these for each of our clients, whether they are one-time/project clients or on-going clients. It outlines the services that we will provide, the fees for those services, and the responsibilities that both our firm and the client have in the relationship.

Privacy Notice
Put simply, unless you tell or authorize us to, or we are required to by law, we will not share or divulge any of your non-public information with anyone. Period.

Fiduciary Oath
This is a statement of how we will always put the interests of our clients first. We believe very strongly in this. This is not necessarily true of all financial advisors. We would be happy to provide examples of how we put this oath into practice on a regular basis.