Your privacy is important to us, and maintaining your trust and confidence is one of our highest priorities.  In accordance with a recent rule enacted by the General Trade Commission, professionals who advise on personal financial matters re now to inform their clients of their policies regarding privacy of client information.

        A. Types of Information We Collect

              We collect certain personal information about you--but only when that information is provided by your or is obtained by us with your authorization.  We use that information to provide various investment and financial planning services to you at your request.

        B.  Parties to Whom We Disclose Information 

              As a general rule, we do not disclose personal information about our clients to anyone
without their permission. However, to the extent permitted by law, certain nonpublic nformation about you may be disclosed in the following situations:

                1. To comply with a validly issued and enforceable subpoena or summons;

                2. In the course of a review of our firm’s practices under the authorization of a state orational licensing or regulatory board;

                3. As a part of any actual or threatened legal proceedings or alternative dispute resolution proceedings either initiated by or against us, providedwe disclose only theinformation necessary to file, pursue, or defend against the lawsuit and take reasonable precautions to ensure that the information disclosed does not become amatter of public record; and

                4. To provide information to affiliates of the firm and nonaffiliated third parties who performservices or functions for us in conjunction with our services to you, but only if we have a contractual agreement with the other party that prohibits them from disclosing or using the information other than for the purposes for which it was disclosed. If we do not have a contractual agreement, with the other party, we will ask for your consent prior to sharing confidential information with them.

        
        C. Confidentiality and Security of Nonpublic Personal Information

             Except as otherwise described in this notice, we restrict access to nonpublic personalinformation about you to employees of our firm. Their right to further disclose and use theinformation is limited by the policies of our firm, applicable law, our Code of ProfessionalConduct, and nondisclosure agreements where appropriate. In order to guard your nonpublicpersonal information, we maintain physical, electronic and procedural safeguards thatcomply with our professional standards.

       
        D. Record Retention Policy      

            We retain records relating to professional services we provide, so that we are better able to
assist you with your professional needs, and in some cases, to comply with professional guidelines. Our policy is tomaintain copies of your personal financial information for seven years before they are destroyed.Thank you for allowing us to serve you. We value your business and are committed to protecting your privacy. Please call us if you have any questions regarding our privacy or record retentionpolicies.