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Privacy & Confidentiality Policy

Cornerstone Financial Management LLC (“Cornerstone”) is committed to safeguarding the confidential information of its clients. We hold all personal information provided to our firm in the strictest confidence. This includes all personal information that we collect in connection with any of the services provided by Cornerstone. Personal information is never disclosed to nonaffiliated third parties, except as required or permitted by law. No change in this policy would be considered without advising our clients first, in accordance with securities law.

Clients are aware that Cornerstone uses their health and financial information to help them meet their personal financial goals while guarding against any real or perceived infringements of their rights of privacy. Our policy with respect to the use of personal information is as follows:


• We limit employee and agent access to information to those who have a business or professional reason for knowing the information. We allow access to nonaffiliated parties only as permitted by law. For example, federal regulations permit us to share a limited amount of information about clients with a brokerage firm in order to execute securities transactions on their behalf, or with their accountant or lawyer, to discuss their financial situation.

• Cornerstone maintains a secure office and computer environment to ensure that clients’ information is not placed at unreasonable risk.

• The categories of nonpublic personal information that we collect from clients depend upon the scope of the engagement. It may include material about their personal finances and health to the extent that it is needed for the personal financial planning process, information about transactions with nonaffiliated third parties, and information from consumer reporting agencies.

• For unaffiliated third parties that require access to clients’ personal information, including financial service companies, consultants, and auditors, Cornerstone also requires strict confidentiality in the agreements with them. Federal and state regulators also may review firm records as permitted by law.

• Clients’ personally identifiable information is never provided to mailing list vendors or solicitors for any purpose.

• Personal identifiable information will be maintained by Cornerstone while clients are under contract and for the time thereafter 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. When the required time elapses, all such information will be destroyed.

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