Independent advisors. Customized solutions. For a full life ahead.

Website Privacy Policy

This notice describes our privacy policy (“Policy”). By visiting our Website, you are accepting the practices described in this Policy. The Website is intended for a United States audience.

We may gather and use information as follows:

Volunteered Information
We receive and store any information you enter on the Website or give us in any other way that personally identifies you to improve your experience at the Website, to get a better general understanding of the type of individuals visiting the Website, and to enable us to contact you when needed. Typically, you only provide personal information on the Website when you submit comments or questions for review by us using the Contact Us page.

Automatic Information
To enable us to provide content that users need and want, we collect aggregated site-visitation statistics using cookies. A Cookie is simply a small data file we place on your computer’s hard drive when you first visit the Website (“Cookie”). This file contains a unique number that helps us identify you when you return to the Website. Cookies are used by most websites to enhance users’ web viewing experience. Cookies can neither damage user files nor can they read information from users’ hard drives. We combine all usage information provided by such Cookies and we do not monitor your individual use of the Website. Allowing us to create a Cookie on your hard drive will not give us or any other site access to the rest of your computer’s hard drive, and only we will be able to read the Cookie that the Website creates.

Information Use
We use information to get a better general understanding of the type of individuals visiting the Website; to respond to your comments or questions; to improve your experience at the Website; and to collect aggregated site-visitation statistics.

We may release any user information if required to comply with law; to enforce or to apply the Website Terms and Conditions; or under the good faith belief that disclosure is otherwise necessary or advisable including, without limitation, to protect the rights, properties, or safety of us or our users.

We give you a choice as to the type and amount of private information we have, as follows:
(a) Volunteered Information: You can always choose not to provide certain information to us. If you choose not to provide personal information, you can still use all parts of the Website with the exception of part of the Contact Us section.
(b) Automatic Information: Most web browsers automatically accept Cookies, but if you prefer, you can edit your browser options to block Cookies in the future. The “Help” portion of the toolbar on most browsers will explain how you can prevent your browser from accepting new Cookies, how to set the browser to inform you when you receive a new Cookie, or how to reject Cookies altogether.

We provide you with the ability to ensure that your personal information is correct and current. You may review and update your personal information by contacting us.

We protect the security of your personal information. We take steps to protect your data from loss, misuse, alteration, destruction, or unauthorized access.

We do not sell products for children. Users of the Website must be at least eighteen years old.

Third Party Websites
Please be aware that the Website may have links to third party Websites that may collect personally identifiable information about you (Facebook, LinkedIn, Google+). When you click on one of these third party links, you are entering another Website not related to us. This Policy does not cover the information practices or policies of such third party Websites. We encourage you to read the privacy statements of all such Websites since their privacy policies may be materially different from our Policy.

California Residents’ Privacy Rights

Do Not Track
We do not currently use technology that recognizes web browser “Do Not Track” signals or other similar mechanisms.

Other Third Parties
We do not share your information with third parties for their direct marketing purposes. Therefore, we are not subject to the requirements of California Civil Code 1798.83.

Grievances and Complaints
In accordance with California Civil Code Sec. 1789.3, California residents are entitled to know that they may file grievances and complaints with the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs. Grievances and complaints may be submitted in writing to 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916.445.1254 or 800.952.5210; or by email to .

Agreement and Modification
By using and accessing the Website you indicate that you have read and understand this Policy and you consent to the collection and use of information by us in the manner explained in this Policy. This Policy and the Website Terms and Conditions, including without limitation, provisions covering limitations on damages, arbitration of disputes, and the application of state law govern any dispute over privacy. By using and accessing the Website you agree to indemnify us from any and all third party claims resulting from your breach of this Policy or the Website Terms and Conditions. If you have any questions or concerns about your privacy at the Website, please contact us. If you do not accept this Policy, do not access and use the Website. We may revise this Policy at any time without notice by updating this Policy. Any modifications in the way we use personal information will be provided in future updates of this Policy so you are always aware of what information we collect, how we use it, and under what circumstances we disclose such information. Modifications will be effective immediately and will be available on the Website. You should visit this web page periodically to review the Policy. The user accepts any such modifications to this Policy by continued use of the Website after such modifications are made.

Updated July 20, 2020.