Summary of Your Rights aS A Client of WHITE LIGHTHOUSE 

Use the following checklist to determine your level of comfort with your existing financial planning and investment advisory relationship. If you are not satisfied with your situation, assert your rights by talking to your planner or adviser about your concerns. A competent, ethical planner will seek to understand and meet your needs and will explain the reasons behind his or her decisions and actions. Investment Portfolio Management should not be overly complicated and costly.

  1.    My adviser is diligent in carrying out his or her activities.

  2.    My adviser responds to my phone calls, e-mails or requests promptly.

  3.    Recommendations are appropriate for my situation.

  4.    My adviser puts my needs before those of their employer and themselves.

  5.    I understand what I’m being charged and why.

  6.    I understand and accept my planner’s potential conflicts of interest.

  7.    My interests drive the decisions being made.

  8.    I’m involved in decisions at the appropriate time.

  9.    I do not feel pressured to make certain decisions.

  10.    I get adequate information to make good decisions.

  11.    My planner investigates the products he or she recommends.

  12.    I get the service or products I pay for.

  13.    My planner presents his or her qualifications or abilities honestly.

  14.    My adviser works hard to keep his or her qualifications current.

  15.    My information is kept confidential.

  16.    My planner is concerned in helping me to learn more about personal financial planning.