C&D Wealth Advisors (“C&D”) is registered with the State of Michigan as an investment adviser and is located in Ann Arbor, Michigan. C&D and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by those states in which C&D maintains clients. C&D may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. C&D’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of C&D’s web site on the Internet should not be construed by any consumer and/or prospective client as C&D’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by C&D with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of C&D, please contact the SEC. A copy of C&D’s current written disclosure statement, the ADV Part 2 Brochure, discussing C&D’s business operations, services, and fees is available at the link above. C&D does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to C&D web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by C&D), will be profitable or equal any historical performance level(s).
Certain portions of C&D’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, C&D (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from C&D, or from any other investment professional. C&D is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.
Each client and prospective client agrees, as a condition precedent to his/her/its access to C&D’s web site, to release and hold harmless C&D, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from C&D.
C&D Wealth Advisors is committed to safeguarding the confidential information of our clients. We hold all data provided to us in the strictest confidence. We require your permission before we will discuss your affairs with anyone external to the firm, other than non-affiliated third parties such as your brokerage firm. The information we compile includes that provided by you during discussions and data (including transaction data) from other sources.
We have never disclosed information to non-affiliated third parties (such as credit card or insurance companies) except as required by law, or in carrying out the duties for which you retained us.
As you know, we use the financial information that you give us to assist you in meeting your personal financial goals while guarding against any perceived or real infringements of your privacy rights. Our policy with respect to personal information is as follows:
We limit access to information to only those employees who have a business or professional reason for knowing it, and only to non-affiliated parties as permitted or required by law – for example, federal regulations permit us to share a limited amount of information with brokerage firms in order to transact business on your behalf, and federal and state regulators, in the course of inspecting us may also have access to your data.
We maintain a secure physical office and our computer network is protected by a security firewall to ensure that your information is not placed at unreasonable risk.
For unaffiliated third parties that require access to your personal information (such as a brokerage firm,) we also require strict confidentiality in our agreements with them and expect them to keep this information private.
We do not provide your personal information to mailing list vendors or solicitors for any purpose.
We will maintain your files, with your data, as long as you are a client, and for as long as may be required by law. After this required period of retention, all such information will be appropriately destroyed.
The Graham-Leach-Bliley Act, requires that we communicate our policies in writing to you. If you have any questions, please let us know.
C&D Wealth Advisors