Privacy Policy

We recognize that our relationships with current and prospective clients are based on integrity and trust. We work hard to maintain your privacy and to preserve the private nature of our relationship with you. We place the highest value on the information you share with us. We will not disclose your personal information to anyone unless it is required by law or at your direction. We will not sell your personal information. We want our clients to understand what information we collect, how we use it, and how we protect your personal information.

Why We Collect Client Information

We gather information about clients so we can help design and implement the investment and financial planning related services we provide to clients, and to comply with the federal and state laws and regulations that govern us.

What Information We Collect and Maintain

We could collect the following types of “nonpublic personal information” about clients:

● Information from our initial meeting or subsequent consultations about the client’s identity, such as their name, address, social security number, date of birth, and financial information;

● Information we generate to service the client’s financial needs; and

● Information we could receive from third parties, such as the custodian who holds the client’s account(s)

What Information We Disclose

We are permitted by law to disclose nonpublic information about clients to unaffiliated third parties in certain circumstances. We could disclose client information: to individuals and/or entities not affiliated with our firm, including, but not limited to certain service providers (such as broker-dealer, sub-advisers, account custodian) as necessary to service the client account(s); to the client’s authorized representative or power of attorney; or otherwise permitted to do so in accordance with the parameters of applicable federal and/or state privacy regulations.

Because we share nonpublic information solely to service client account(s), clients are not able to opt out of allowing us to share their information. In the event we have a change to our business practices which allows nonpublic information to be shared with other third-parties, our Privacy Policy will be amended to allow clients the opportunity to opt-out of such disclosure.

How We Protect Clients’ Personal Information

Privacy has always been important to us. We restrict and limit access to client information only to those who need to carry out their business functions. We safeguard client information by preventing its unauthorized access, disclosure, or use. We maintain physical, electronic, and procedural safeguards to protect clients’ confidential personal information. Arrangements with companies or independent contractors not affiliated with our firm will be subject to confidentiality agreements.

Former Clients

After a client ceases to be our client, we are required to maintain certain nonpublic information about the client to comply with applicable federal and state regulations. Even if we cease to provide the client with financial services, our Privacy Policy will continue to apply to the client, and we will continue to treat their nonpublic information with strict confidentiality.

Clients are encouraged to discuss any questions regarding privacy policies and procedures directly with Roger Ma, Chief Compliance Officer, at (412) 334-3748 or roger@lifelaidout.com, or visit our website at lifelaidout.com for further information.