As an independent financial planning firm, Kinkelaar & Associates (“K&A”) is committed to safeguarding the confidential information of all current, former and potential clients.
All personal information provided to our firm is held in the strictest confidence. These records include personal information we collect from you in connection with any services or potential services provided by K&A.
We have never disclosed information to nonaffiliated third parties except as required by law or by your consent, and do not anticipate doing so in the future. If we were to anticipate such a change in firm policy, we would be prohibited under the law from doing so without advising you first.
We use your information in helping you meet your personal financial goals while guarding against any real or perceived infringements of your rights of privacy.
Our policy with respect to personal information about you is listed below:
Information Kept Private; Sharing Limited to Need to Know
Access to your information is limited. Only employees and agents who have a business or professional reason for knowing your information are allowed access.
We do not share information with non-affiliated parties except if required or permitted by law or by your consent. For example, federal and state regulators may review firm records as permitted under law. Federal regulations permit us to share a limited amount of information about you so that our firm can discuss your financial situation with your accountant or lawyer.
We do not provide your personally identifiable information to mailing list vendors or solicitors.
We maintain a secure office and computer environment to ensure that your information is not placed at unreasonable risk.
Categories of Information Collected
The categories of nonpublic personal information that we collect from a client depend upon the scope of the client engagement.
These categories may include information:
- about your personal finances and insurance;
- about your personal goals, dreams, and health to the extent needed for the planning process;
- about transactions between you and third parties; and
- from consumer reporting agencies.
Maintenance of Information
Personally identifiable information about you will be maintained during the time you are a client, and for the required time that such records are required to be maintained by federal and state securities laws, and consistent with the CFP® Board Code of Ethics and Professional Responsibility.