The Federal Trade Commission now requires that all providers of personal financial services inform their Clients of their policies regarding privacy of Client information. As a member of the financial planning community, we have always been bound by our Professional Rules of Conduct that are even more stringent than those of the FTC. We have always protected our Client's Right-to-Privacy.

In the course of providing our Clients with financial planning advice, we receive significant personal financial information. Cadre keeps all information received from Clients held in confidence and is not released to persons outside the firm, except as agreed to by you, or as required under an applicable law.

From time to time it is necessary to discuss, and/or share, with other professionals, particular information that may be personal in nature or that may relate to your financial status. Your expressed permission is necessary and information will not be released without permission. Attorneys, Certified Public Accountants, representatives of lending institutions, insurance agents, medical agents and/or your registered investment advisor may need to consult from time to time. When you sign a contract with The Cadre Financial Group, you will have all the information concerning the discussion and release of information necessary for the preparation of your personal financial plan.

We retain records relating to professional services that we provide so that we are better able to assist you with your professional needs and, in some cases, to comply with professional guidelines. In order to guard your non-public personal information, we maintain physical, electronic and procedural safeguards that comply with our professional standards.

Because your privacy, our professional ethics and the ability to provide you with quality financial services are very important to us, privacy is an important issue.