Our Ethics Pledge

1. We will always commit ourselves to protecting and promoting the interests of our clients, and will always conduct ourselves in a way that reflects well on our profession.

2. We will be totally honest when explaining our education and business background, professional designations, and years of industry experience.

3. We will be completely truthful by not exaggerating the realistic returns or future value one can expect from any product, transaction, service, or investment we recommend.

4. We will always disclose the important features of a product, transaction, service, or investment and disclose risks that may negatively affect future performance or value.

5. We will always consider both our client's current and future needs to determine the proper suitability of any recommendations that we make.

6. We will respect the confidentiality of any information entrusted to us or obtained in the course of our business or professional activities.

7. We will only use sales presentations and advertising materials, including product illustrations, that are completely accurate and compliant with state and federal regulations.

8. We will always provide clients with copies of all required documents that relate to product, transaction, service, or investment that we have recommended to them.

9. We will always refer clients to a specialized professional advisor when their needs go beyond our current license or expertise.

10.  We will consistently educate ourselves as to the new laws and regulations in our industry, and will always act in good faith towards those we serve.