I know consumers need objective information when they select financial advisors. I also know the critical importance of ethics in my relationships with clients and the critical role I play in the achievement of their financial goals. I agree to adhere to the following ethical principles:

1. I acknowledge I am an Investment Advisor Representative with a current registration that permits me to provide financial advice for fees.

2. I will achieve a thorough understanding of my clients' current situations, concerns, needs, and goals before I provide any financial advice or services.

3. I will serve my clients with integrity, competence, independence, objectivity, and professionalism.

4. I will only provide advice and services when I possess the necessary knowledge to provide expert advice and quality services.

5. I will provide investment advice that is suitable in regard to my clients' return objectives and tolerances for risk.

6. I will maintain the confidential nature of all client information and take reasonable steps to prevent access to the information by unauthorized people.

7. I will provide open-architected financial strategies that give my clients a broad range of investment choices not limited to any particular company or group of products.

8. I will avoid potential conflicts of interest that impact the risk exposure, performance, or expenses of my clients' assets.

9. I will be in compliance with all regulatory and statutory requirements that impact the delivery of my planning or investment services.

10. I will answer all client requests for information or resolution of problems in a timely, complete, and truthful manner.

11. I will have an agreement in place with clients in regard to the basis and amount of my compensation before any advice or services are rendered.

12. I will provide full disclosure for all sources of compensation that result from my advice and services.

13. I will not accept additional amounts of compensation or other benefits from third parties for my advice or services to clients without my clients' knowledge in advance.