Privacy Policy

1. Information We Collect

Depending on how you interact with us, we may collect:

• Contact information, including your name, mailing address, email address, and telephone or mobile number.
• Information you voluntarily provide through website forms, appointment requests, surveys, emails, telephone calls, or other communications.
• Information relevant to your request for financial, retirement, insurance, or advisory-related services.
• Technical information, such as your IP address, browser type, device information, referring pages, pages visited, and general website usage data.
• Communication preferences and records of your consent where applicable.

Please do not submit confidential account numbers, Social Security numbers, passwords, or other highly sensitive information through an unsecured website form, email, or text message.

2. How We Use Information

We may use the information we collect to:

• Respond to inquiries and schedule or manage appointments.
• Provide requested information, services, and client support.
• Send service-related communications, educational information, newsletters, or other communications consistent with your preferences and applicable law.
• Operate, maintain, secure, and improve our website and business operations.
• Detect misuse, prevent fraud, and protect our legal rights.
• Meet legal, regulatory, recordkeeping, and compliance obligations.

4. How We Disclose Information

We may disclose non-SMS information to service providers that perform business functions for us, such as website hosting, data security, analytics, scheduling, communications, professional support, and regulatory or legal services. These providers may use information only as necessary to perform services for us and are expected to protect it.

We may also disclose information when required by law, subpoena, court order, regulatory request, or other legal process; to protect our rights, safety, clients, or property; or in connection with a merger, reorganization, sale, or transfer of business assets, subject to applicable law.

The mobile information and text-message opt-in consent described in Section 3 are not shared with third parties or affiliates for their marketing or promotional purposes.

5. Cookies and Website Analytics

Our website may use cookies and similar technologies to support essential site functions, remember preferences, understand website traffic, and improve performance. Your browser may allow you to block or delete cookies. Some website features may not function properly if cookies are disabled.

6. Information Security and Retention

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no website, transmission, or storage system can be guaranteed to be completely secure. We retain information for as long as reasonably necessary to fulfill the purposes described in this policy and to meet legal, regulatory, compliance, dispute-resolution, and recordkeeping requirements.

7. Your Choices and Privacy Rights

You may ask to review, correct, or update contact information you previously provided to us, or request that we stop sending non-essential marketing communications. You may unsubscribe from marketing email by using the unsubscribe link in the message, where provided. To stop text messages, reply STOP.

Depending on where you reside, applicable law may provide additional privacy rights. To submit a privacy request, contact us using the details below. We may need to verify your identity before completing a request.

8. Children’s Privacy

Our website and services are not directed to children under 13, and we do not knowingly collect personal information from children under 13 through this website. If you believe a child has provided personal information to us, please contact us so we can take appropriate action.

9. Third-Party Websites

Our website may contain links to websites operated by third parties. We are not responsible for the privacy, security, or content practices of those third parties. We encourage you to review their privacy policies before providing personal information.

10. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal obligations. The current version will be posted on this page with the updated effective date.