Code of Ethics, ADV, and Privacy Policy
The Code of Ethics
As part of their certification, a CFP® professional agrees to a Code of Ethics that requires them
to:
• Act with honesty, integrity, competence and diligence.
• Exercise due care.
• Maintain the confidentiality and protect the privacy of client information.
• Act in the client’s best interests.
• Avoid or disclose and manage conflicts of interest.
• Act in a manner that reflects positively on the financial planning profession and CFP® certification.
The Fiduciary Duty
As part of their certification, a CFP® professional commits to CFP Board’s Fiduciary Duty. A CFP® professional commits to CFP Board that they will act as a fiduciary, and therefore, act in their client’s best interests, at all times when providing financial advice to a client.
That means your CFP® professional has made a commitment to CFP Board to:
1. Place your interests above their own interests, or the interests of their firm.
2. Disclose conflicts of interest to you, obtaining your informed consent and properly managing the conflict.
3. Continue to put your interests first, even when acting under a conflict of interest.
4. Comply with the terms of the client engagement and follow your directions, so long as they are reasonable and lawful.
5. Act with care, skill, prudence and diligence based on your goals, risk tolerance, objective, financial status and personal circumstances.
Form ADV
You may view and download a copy of our latest Form ADV Parts 2A and 2B
Privacy Policy
Fleur-de-lis Financial, LLC (“FDLF”) recognizes 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. FDLF 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 Your Information
We gather information about you so that we can:
• Help design and implement the investment and financial planning related services we provide you; and
• Comply with the Federal and State laws and regulations that govern us.
What Information We Collect and Maintain
We may collect the following types of “nonpublic personal information” (“NPI”) about you:
• Information from our initial meeting or subsequent consultations about your identity, such as your name, address, social security number, date of birth, and financial information;
• Information that we generate to service your financial needs; and
• Information that we may receive from third parties in connection with the services we provide you.
What Information We Disclose
We are permitted by law to disclose nonpublic information about you to unaffiliated third parties in certain circumstances. FDLF may disclose client's NPI: (1) to individuals and/or entities not affiliated with FDLF, including, but not limited to third-parties that assist in the supervision or management of your account(s) (i.e., sub-advisers, account custodian, record keeper, attorney, etc.); (2) to service providers contracted by us in order for us to perform the duties in furtherance of the client's engagement with FDLF (i.e. client management systems, archiving technology vendors, cloud service providers, etc.); (3) to your authorized representative or power of attorney; (4) when we receive your prior consent; (5) in connection with a proposed or actual sale, merger, or transfer of all or a portion of our business; and (6) as otherwise permitted to do so in accordance with the parameters of applicable federal and/or state privacy regulations.
In the event that FDLF has a change to its client privacy policy that would allow it to disclose non-public information not covered under applicable law, FDLF will allow its clients the opportunity to opt-out of such disclosure.
How We Protect Your Personal Information
Privacy has always been important to FDLF. 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 your confidential personal information. Arrangements with companies or independent contractors not affiliated with FDLF will be subject to confidentiality agreements and/or Privacy Policy.
Former Clients
Even if we cease to provide you with financial services, our Privacy Policy will continue to apply to you, and we will continue to treat your nonpublic information with strict confidentiality. We maintain all records regarding all former clients for the retention period required by law.
Contact Us
Clients are encouraged to discuss any questions regarding privacy policies and procedures directly with Nathan Gale, Chief Compliance Officer of FDLF. Please contact Nathan Gale at (224) 210-5969.