Code of Ethics

Trust is paramount when selecting someone as a provider of financial advice. How can you be sure the person you are considering doing business with has your best interests at heart? A code of ethics is a good start. The following personal pledge is at the very core of my business - as indeed it must be in a business which is built on faith and trust. Furthermore, as a Certified Financial Planner (tm) I am subject to the rigorous ethical and educational standards set forth and enforced by the governing CFP(r) Board.



Fiduciary Responsibility. I pledge always to put my clients’ interests first, before my own. Financial plans and advice will always be based on what I truly believe is best for the client.



Suitability. Every client is unique. When giving investment advice, I pledge always to recommend investments on their merits, carefully considering each individuals tolerance for risk, and need for liquidity, safety, and growth.



Education and diligence. The financial industry is constantly evolving, and I am strongly committed to constantly expanding my knowledge base to better serve my customers. To obtain CFP(r) certification, a candidate must demonstrate competence in each of 5 major areas of financial planning: investing, retirement planning, insurance, income taxes, and estate planning. A CFP(r) certificant must also meet rigorous continuing education requirements.



Client Education. Knowledge and understanding help reduce stress. I therefore pledge to help every client develop a clear understanding of his or her financial situation and the reasoning behind strategies I recommend or advice I provide.



Compensation. I pledge to always keep my clients aware of how I am paid, so as to minimize and disclose any potential conflict of interest.



Fees. I pledge to keep fees reasonable, affordable, and consistent with industry norms and practices.



Availability. I pledge to make myself always available to clients by returning phone calls promptly and addressing all issues and concerns in a prompt, thorough, and couteous manner.



The Golden Rule. I treat every client in the same way, regardless of the size of their portfolio. That is, every client is treated the way I would like to be treated should the roles be reversed.



Accessibility. I pledge to continue making my services available to all who need them, not just to the very wealthy.