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Margery Mattox is a state registered investment adviser, fee based, insurance licensed. This web site contains material prepared under the supervision of FINANCIAL AFFAIRS MANAGEMENT (FAM) to provide information about the services we and our divisions offer. The information is of general interest about a variety of financial issues and is not intended as investment advice. Advice appropriate for you will depend upon your particular circumstances. Personalized financial advice and services are rendered for a fee under contract in consultation or on a retainer basis. We do not endorse, sponsor or recommend third party information, products or services on our web site or through a link or reference to another site. You are not granted a license under any copyright, trademark, patent or other intellectual property right retained by FAM. You may not create framed links to our web site without permission. This web site is operated by a service provider in the State of Ohio, USA. We make no representation that information found at our sites are appropriate or available for use in other locations. You are responsible for compliance with local laws if you access our sites from other locations. Our privacy statement and our ADV Part II are available and provided to our clients. We address the issue of confidentiality in our contracts: LETTER OF UNDERSTANDING, ENGAGEMENT LETTER, CONSULTATION AGREEMENT. It allows us to discuss circumstances on specific situations, generally conveyed as an anonymous scenario, within a select professional peer group for your benefit. CFP(R) licensees answer to professional standard of conduct as promulgated by the CERTIFIED FINANCIAL PLANNER BOARD OF STANDARDS,Inc. Nonpublic personal information about you may be disclosed as part of complying with CFP Board's Code of Ethics and Professional Responsibility and Disciplinary Rules and Procedures. The Board will also protect clients' privacy if any information is shared. Parties to Whom We Disclose Information for current and former clients does not consist of nonpublic personal information obtained in the course of our practice except as required or permitted by law. Permitted disclosures include, for instance, providing informatiion to our employees and, in limited situations, to unrelated third parties who need to know that information to assist us in providing services to you. In all such situations, we stress the confidential nature of information being shared. The Types of Nonpublic Personal Information we collect is provided to us by you or obtained by us with your authorization. We Protect the confidentiality and security of current and former Clents' information when retaining records relating to the professional services that we provide. We maintain physical, electronic, and procedural safeguards that comply with our professional standards. The latest and most significant federal law to safeguard privacy is the Gramm-Leach-Bliley Financial Services Modernization Act of 1999 which established four new requirements regarding the use of a consumer's nonpublic personal information. Beginning July 1, 2001, all financial institutions must annually disclose their privacy policy. Customers must be given the right to "opt out" of the use of their nonpublic personal information by a nonaffiliated third party unless the sharing meets certain exceptions. Send a request to us at our current office address referencing your account to opt out. FINANCIAL AFFAIRS MANAGEMENT belives it is necessary for us to have the ability to share information about our clients if and when it is important. When you hire us as your financial advisor to initiate transactions through a broker it is a requirement of the industry to ascertain your suitability for certain investments and your financial ability to take risks. Our analysis of your situation may differ from that of your outside specialists (broker, insurance agent, accountant, attorney, etc.) based on the information you provide. Nonpublic personal information about you may be received from any of the following sources: From your applications or forms (examples include name, address, social security number, birth date, assets and income). From transactional activity in your account (examples include trading history and account balances) From other sources with your consent (for example, from other institutions if you transfer positions into a brokerage, mutual fund, money management, etc., account(s)) - each providing its own privacy statement. Please call if you have any questions. Your privacy, our professional ethics, and the ability to provide you with quality financial management and planning are very important to us. Ask us for our Adv.II |