Our philosophy for conducting business boils down to one person—the client.
Although financial laws and regulations differ globally, all investors have the right to honesty from financial professionals. Honesty doesn’t just mean a truthful answer to your questions; it also means transparency and forthrightness from the financial professional. You should expect your financial professional to give you all the information that affects the financial decisions you make as well as the information that pertains to the financial decisions made on your behalf.
Financial professionals must base decisions on:
As the owner in a financial transaction, your best interest must be considered before the best interest of the financial professional and his or her organization—always.
Fair treatment is not always equal treatment, particularly regarding all of a financial professional’s clients. For example, other clients may have different objectives and different risk tolerances, resulting in investment portfolios that are very different from your own. Fairness also means that you should not feel pressured or rushed to make financial decisions.
Financial professionals must base decisions on facts directly relevant to your financial circumstances, needs and goals. Financial advice should feel comfortable to you, and if it does not, you have the right to question the financial professionals so that you understand how their advice fits you and your circumstances.
To understand the performance of a financial product, whether it is a checking account, life insurance policy or mutual fund, you must be able to understand the information provided by the financial professional or firm. Thus, you must receive communications – electronic, written, verbal or otherwise – that make sense to you.
You have the right to fully understand the expense you are paying for investment services and products. This is true even if your financial product is as simple as a checking account.
You have the right to privacy of your personal and financial information. Only financial professionals and their staff directly involved in the investment decision-making or reporting processes should have access to your personal and financial information. Furthermore, your personal financial information should be disclosed to others only if it is required by law through a subpoena, or by a regulator with lawful jurisdiction.
Financial professionals working on your behalf must document and make readily available to you:
The HHM Wealth staff is committed to:
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