I am committed to:

• Providing service that is fair and respectful.
• Being a knowledgeable and responsible financial advisor to assist you in pursuing your goals.
• Providing competent and courteous service and guidance delivered with transparency.
• Offering you a choice of how to access our services, whether in person, by phone, or online.

Full, Clear Information

• I will disclose all pertinent information with clear, accurate, and easy-to-understand descriptions.
• I will help protect the confidentiality of all of your personal and financial data.
• I employ a clearly defined process for raising any concerns or issues and resolving these matters quickly and satisfactorily.
• I will work to help you identify your financial goals and determine your risk tolerance. This information is used to construct a portfolio based on your time horizons.
• You will be presented with a reasonable number of investment alternatives designed to work toward your goals.

Your Responsibilities as an Investor

• Carefully consider all investment risks, fees, and/or other factors explained in the documents I will provide you.
• Understand the relationship between your investment objectives and the risks and returns on your particular investments.
• Ask me questions – I am here to serve as your personal financial resource.
• Provide accurate information about your financial status (including any holdings outside of your Stifel account(s)), investment goals, and risk tolerance when seeking investment guidance so that we can provide you with appropriate recommendations.
• Notify me promptly whenever there is a change in your investment objectives, risk tolerance, income, net worth, or liquidity needs.
• Disclose any holdings in mutual funds of similar fund families outside of your Stifel account(s).

Keeping an open and honest dialogue will help create a positive experience. If we meet those expectations, please tell others. If not, please tell us.