Contacts

Information We Collect About You
You provide nonpublic personal information when you complete our financial planning questionnaire, when you complete an application for investments or for insurance, or when you provide tax return information. This information varies depending on the service to be provided but may include your:
• Name and Address.
• Social Security Number or Taxpayer Identification Number.
• Assets, Liabilities, Income.
• Investment Activity, Accounts at other institutions.

How We Handle Your Personal Information
We do not disclose, distribute, or sell information about current or former clients or their accounts to third parties except:
• When needed to complete a transaction at your request (for example, when we help you obtain a bank loan or open a Schwab account).
o In such cases we provide the third party with only the information necessary to carry out its assigned responsibilities or complete the transaction.
• When you direct us to release such information (for example, you ask us to provide information to your accountant at year-end).
• To our website operator so you can view accounts online.
• When required to do so by law.

How we protect privacy online
Our websites are password protected. The operators of the websites are obligated not to disclose any personal information to third parties.

How we safeguard your personal information
We restrict access to information about you to those employees who need to know the information to provide service to you. All employees are subject to a strict employment policy regarding confidentiality. We maintain physical, electronic, and procedural safeguards to protect your personal information.

We'll Keep You Informed
As required by federal law, we will notify you of our privacy policy annually. We reserve the right to modify this policy at any time, but be assured that if we do change it, we will tell you promptly.