Form CRS Disclosure

Access Our Current Form CRS

Our current Form CRS is available below and on the SEC's Investment Adviser Public Disclosure (IAPD) database.

Read Our Form CRS View on SEC IAPD

Conversation Starters

The SEC suggests several questions that retail investors should ask any financial professional they are considering engaging. We welcome these questions:

• Given my financial situation, should I choose an investment advisory service? Why or why not?
• How will you choose investments to recommend to me?
• What is your relevant experience, including your licenses, education, and other qualifications? What do these qualifications mean?
• Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?
• How might your conflicts of interest affect me, and how will you address them?
• As a financial professional, do you have any disciplinary history? For what type of conduct?
• Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?

Annual Delivery

SEC rules require us to deliver our current Form CRS to each existing retail client annually, and to notify clients of material changes to the Form. We typically deliver the current Form CRS along with our annual privacy notice and annual ADV brochure offer letter.

How to Request a Paper Copy

You may request a paper copy of our Form CRS, free of charge, by contacting:

Related Disclosures

• Form ADV Part 2A — Firm Brochure
• Form ADV Part 2B — Brochure Supplements
• ADV Disclosures Index
• State Disclosures
• Privacy Policy