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Our Code Of Ethics:
We believe we have a fiduciary duty to our clients and will always place our clients interests first and foremost. We will always disclose any actual or potential conflicts of interest so that our clients can make informed decisions.
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Honesty - An honest exchange of information is the basis upon which our relationships are built. We will be candid with you in all things.We will never make promises that we do not intend to keep.
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Integrity - We hold ourselves to the very highest standards of integrity. We take our responsibilities extremely seriously . We will disengage from any relationship that might in any way conflict with this. We will not make compromises to our principles for any reason.
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Objectivity - We will always act in good faith through education, independence and impartiality, to objectively act in the best interests of our client. We act in a fee only capacity in order to eliminate conflicts of interest. We accept no commissions, of any sort, from any entity. We do not receive fees or compensation from any party based on the referral of a client or the client's business.
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Professionalism - We will at all times act to increase our professional knowledge. We diligently monitor modern investment strategies and research.
We hold ourselves to these standards as well as being committed to complying with the following:
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Chartered Financial Analyst® - Code of Ethics and Standards of Professional Conduct ( Code)
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Financial Planning Association (FPA) - Code of Ethics ( Code)
We vow to never lose sight of the sense of responsibility we have to our clients. In keeping with that, we will at all times try to act in accordance with the five main tenets of the Uniform Prudent Investor Act. Even though these are designed primarily for trusts we think their core concepts are best applied to all investing.
1) Sound diversification is fundamental to risk management.
2) Risk and Return are related- we have a duty to try to analyze and make judgments about appropriate levels of risk.
3) We have a duty to act in an impartial manner between producing cash flow and protecting assets from inflation.
4) We have a duty to minimize fees and expenses concurrent with the investment strategy followed.
5) We have a duty to delegate as a prudent investor would - this includes due diligence of the funds and custodians we recommend.
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