Privacy Policy

To Our Individual Clients:

Your privacy is important to us, and maintaining your trust and confidence is
one of our highest priorities. We respect your right to keep your personal
information confidential and understand your desire to avoid unwanted
solicitations. A recent law change requires us (along with banks, brokerage
houses, and other financial institutions) to disclose our Privacy Policy to you -
which we are more than happy to do. We hope that by taking a few minutes to
read it, you will have a better understanding of what we do with the information
you provide us and how we keep it private and secure.

A. Types of Information We Collect

We collect certain personal information about you - but only when that
information is provided by you or is obtained by us with your authorization. We
use that information to prepare your personal asset protection plan for you at
your request.

Examples of sources from which we collect information include:

• interviews and phone calls with you,
• letters or e-mails from you,
• tax returns
• financial history questionnaires.

B. Parties to Whom We Disclose Information

As a general rule, we do not disclose personal information about our clients or
former clients to anyone. However, to the extent permitted by law and any
applicable state Code of Professional Conduct, certain nonpublic information
about you may be disclosed in the following situations:

• To comply with a validly issued and enforceable subpoena or summons.
• In the course of a review of our firm's practices under the authorization of a
state or national licensing board, or as necessary to properly respond to an
inquiry or complaint from such a licensing board of organization.
• In conjunction with a prospective purchase, sale, or merger of all or part of
our practice, provided that we take appropriate precautions (for example,
through a written confidentiality agreement) so the prospective purchaser or
merger partner does not disclose information obtained in the course of the
review.
• As a part of any actual or threatened legal proceedings or alternative dispute
resolution proceedings either initiated by or against us, provided we disclose
only the information necessary to file, pursue, or defend against the lawsuit and
take reasonable precautions to ensure that the information disclosed does not
become a matter of public record.
• To provide information to affiliates of the firm and nonaffiliated third parties
who perform services or functions for us in conjunction with our services to you,
but only if we have a contractual agreement with the other party which
prohibits them from disclosing or using the information other than for the
purposes for which it was disclosed. (Examples of such disclosures include using
or engaging a records-retention agency to store prior year records.)

C. Confidentiality and Security of Nonpublic Personal Information

Except as otherwise described in this notice, we restrict access to nonpublic
personal information about you to employees of our firm and other parties who
must use that information to provide services to you. Their right to further
disclose and use the information is limited by the policies of our firm, applicable
law, our Code of Professional Conduct, and nondisclosure agreements where
appropriate. We also maintain physical, electronic, and procedural safeguards in
compliance with applicable laws and regulations to guard your personal
information from unauthorized access, alteration, or premature destruction.

Thank you for allowing us to serve your asset protection planning needs. We
value your business and are committed to protecting your privacy. We hope you
view our firm as your most trusted advisor and we will work to continue earning
your trust. Please call us if you have any questions or if we can be of further
service.

Best regards,
Healthy Assets