CFP® Code of Ethics and Professional Responsibility.

• Integrity - A CFP® designee shall offer and provide professional services with integrity.
• Objectivity - A CFP® designee shall be objective in providing professional services to clients.
• Competence - A CFP® designee shall provide services to clients competently and maintain the necessary knowledge and skill to continue to do so in those areas in which the designee is engaged.
• Fairness - A CFP® designee shall perform professional services in a matter that is fair and reasonable to clients, principals, partners and employers and shall disclose conflict(s) of interest(s) in providing such services.
• Confidentiality - A CFP® designee shall not disclose any confidential client information without the specific consent of the client unless in response to proper legal process, to defend against charges of wrongdoing by the CFP® designee or in connection with a civil dispute between the CFP® designee and the client.
• Professionalism - A CFP® designee's conduct in all matters shall reflect credit upon the profession.
• Diligence - A CFP® designee shall act diligently in providing professional services.

NAPFA Fiduciary Oath

The advisor shall exercise his/her best efforts to act in good faith and in the best interests of the client. The advisor shall provide written disclosure to the client prior to the engagement of the advisor, and thereafter throughout the term of the engagement, of any conflicts of interest, which will or reasonably may compromise the impartiality or independence of the advisor. The advisor, or any party in which the advisor has a financial interest, does not receive any compensation or other remuneration that is contingent on any client's purchase or sale of a financial product. The advisor does not receive a fee or other compensation from another party based on the referral of a client or the client's business.

What the Fiduciary Oath means to you - the client

• I shall always act in good faith and with candor.
• I shall be proactive in my disclosure of any conflicts of interest that may impact you.
• I shall not accept any referral fees or compensation that is contingent upon the purchase or sale of a financial product.