DISCLOSURE STATEMENT
All written content on this site is for information purposes only and does not constitute a complete description of our investment services or performance. Opinions expressed herein are solely those of Scott D. Cole, CFP® the Principal of Cole Financial Planning. Information throughout this site, whether charts, articles or any other statement or statements regarding market or other financial information, is obtained from sources which we and our suppliers believe reliable, but we do not warrant or guarantee the timeliness, completeness or accuracy of this information. Links to other sites endorsing any investment should not be construed to be a recommendation of that investment by Cole Financial Planning, Inc. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. All information and ideas should be discussed in detail with your individual advisor prior to implementation.
Fee-only financial planning and investment advisory services are offered by Cole Financial Planning and Wealth Management, Inc., a registered investment advisory firm in the states of Alabama, Florida, Louisiana, and Texas. ColeFP is able to offer advisory services in these states plus other via exemption. We meet clients virtually throughout the country. The presence of this website on the internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell securities or investment advisory services to residents of any state other than those where ColeFP is registered or other jurisdictions exempted from registration. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY OTHER ‘LINKED’ WEBSITE.
PRIVACY AND CONFIDENTIALITY POLICY
At Cole Financial Planning, we respect the personal financial privacy of all our clients and customers. It is important to realize that they have entrusted us with private personal financial information, and it is important to us that all employees and officers of Cole Financial Planning know our policy concerning what we do with that information.
We collect personal financial information about our clients from the following sources:
Information they provide to us in investment advisory agreements, brokerage account applications, and other documents completed in connection with the opening and maintenance of their accounts; and
Information they provide us orally; and
Information we receive from third parties, such as brokerage Firms, about client transactions with us or with others.
We do not disclose any nonpublic personal financial information about our clients to anyone, except in the following circumstances:
When required to execute transactions for their account or otherwise to provide services they have requested; or
When you have specifically authorized us to do so in writing; or
When provided to independent contractors hired by our Firm to help us with the preparation of your financial plan; or
When permitted or required by law.
Within our Firm, we restrict access to clients’ personal financial information to the employees and/or independent contractors we work with on your financial plan who need to know that information. To ensure security and confidentiality, we maintain physical, electronic, and procedural safeguards to protect the privacy of our clients.
In addition, it is important for all employees and officers of Cole Financial Planning to understand that everything handled in this office is private and confidential. Nothing about our clients should be discussed outside our offices with family, friends or other clients and within the office, only discuss what is needed to complete the job. And most importantly our employees and/or independent contractors are instructed never to discuss a client’s situation with someone else that may request information about an account unless the Firm has received written instructions from you specifically authorizing them to do so. This includes giving information to a husband on his wife’s IRA account, to a son or daughter about their mom or dad’s accounts, etc.