Privacy Policy

Information We Collect

We may collect personal information directly from you, through our website, or from third parties as permitted by law. This information may include:

• Name, address, phone number, and email address
• Social Security number or other government ID (when necessary for financial services)
• Financial account numbers and investment information
• Employment, income, and tax information
• Insurance coverage details
• Information about your goals, risk tolerance, and investment preferences
• Website usage information (such as cookies, IP addresses, and browsing activity)

How We Use Your Information

We use your personal information to:

• Provide financial planning, investment, insurance, and retirement services
• Communicate with you about your accounts and services
• Process transactions and manage your accounts
• Comply with regulatory and legal requirements
• Improve our website and client experience
• Protect against fraud, unauthorized transactions, and other risks

Sharing of Information

We do not sell your personal information. We may share your information only in the following circumstances:

• With your consent — when you authorize us to share with a third party
• With service providers — companies that help us process transactions, maintain records, or support our business operations
• For legal and regulatory purposes — when required by law, regulation, or legal process
• In business transfers — if our firm merges or is acquired, your information may be transferred as part of the transaction

Safeguarding Your Information

We maintain physical, electronic, and procedural safeguards to protect your personal information. Access is limited to authorized employees, advisors, and service providers who need the information to perform their duties.

Your Choices

• Communications: You may opt out of receiving certain marketing communications by contacting us.
• Cookies: You can manage or disable cookies in your browser settings.
• Updates: If your personal information changes, you may request updates or corrections by contacting us directly.

Children's Privacy

Our services are not directed to children under 13. We do not knowingly collect personal information from children.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with the updated effective date.