As members of MDRD*, NAIFA, and FSP, our agency adheres to the codes of ethics of each of these respected organizations as follows:

Million Dollar Round Table Code of Ethics*

• Always place the best interests of your clients above your own direct or indirect interests.
• Maintain the highest standards of professional competence and give the best possible advice to clients by seeking to maintain and improve professional knowledge, skills and competence.
• Hold in strictest confidence, and consider as privileged, all business and personal information pertaining to your clients' affairs.
• Make full and adequate disclosure of all facts necessary to enable clients to make informed decisions.
• Maintain personal conduct which will reflect favorably on the insurance and financial services profession and the Million Dollar Round Table.
• Determine that any replacement of an insurance or financial product must be beneficial for the client.
• Abide by and conform to all provisions of the laws and regulations in the jurisdictions in which you do business.

* Members qualify for the Million Dollar Roundtable (MDRT) based on meeting a certain level of premium, commission or income during the year in addition to meeting ethical standards. This award is not representative of actual client experiences or outcomes, and is not indicative of any past, present, or future investment performance.

The National Association of Insurance and Financial Advisors Code of Ethics

Those engaged in offering insurance and other related financial services occupy the unique position of liaison between the purchasers and the suppliers of insurance and closely related financial products. Inherent in this role is the combination of professional duty to the client and to the company as well. Ethical balance is required to avoid any conflict between these two obligations.

Therefore, I Believe It To Be My Responsibility:

• To hold my profession in high esteem and strive to enhance its prestige.
• To fulfill the needs of my clients to the best of my ability.
• To maintain my clients' confidences.
• To render exemplary service to my clients and their beneficiaries.
• To adhere to professional standards of conduct in helping my clients to protect insurable obligations and attain their financial security objectives.
• To present accurately and honestly all facts essential to my clients' decisions.
• To perfect my skills and increase my knowledge through continuing education.
• To conduct my business in such a way that my example might help raise the professional standards of those in my profession.
• To keep informed with respect to applicable laws and regulations and to observe them in the practice of my profession.
• To cooperate with others whose services are constructively related to meeting the needs of my clients.

The Society of Financial Service Professionals Canons

CANON 1 Fairness

• A member shall perform services in a manner that respects the interests of all those he/she serves, including clients, principals, partners, employees, and employers. A member shall disclose conflicts of interests in providing such services.
• Fairness requires that a professional treat others as he/she would wish to be treated if in the other's position. A professional also strives to avoid unfairness by inflicting no unnecessary harm on others and, when possible, shielding others from harm.

CANON 2 Competence

• A member shall continually improve his/her professional knowledge, skill, and competence.
• Professionalism starts with technical competence. The knowledge and skills held by a professional are of a high level, difficult to attain, and, therefore, not held by the general public. Competence not only includes the initial acquisition of this specialized knowledge and skill, but also requires continued learning and practice.

CANON 3 Confidentiality

• A member shall respect the confidentiality of any information entrusted to, or obtained in the course of, the member's business or professional activities.
• A financial service professional often gains access to client records and company information of a sensitive nature. Each Society member must maintain the highest level of confidentiality with regard to this information.

CANON 4 Integrity

• A member shall provide professional services with integrity and shall place the client's interest above his/her own.
• Integrity involves honesty and trust. A professional's honesty and candor should not be subordinate to personal gain or advantage. To be dishonest with others is to use them for one's own purposes.

CANON 5 Diligence

• A member shall act with patience, timeliness, and consistency in the fulfillment of his/her professional duties.
• A professional works diligently. Knowledge and skill alone are not adequate. A professional must apply these attributes in a prompt and thorough manner in the service of others.

CANON 6 Professionalism

• A member's conduct in all matters shall reflect credit upon the financial services profession. A member has an obligation to cooperate with Society members, and other financial service professionals, to enhance and maintain the profession's public image and to work together to improve the quality of services rendered.

CANON 7 Self-Regulation

• A member shall assist in maintaining the integrity of the Society's Code of Professional Responsibility and of the professional credentials held by all Society members.
• Every professional has a responsibility to regulate itself. As such, every Society member holds a duty of abiding by his/her professional code of ethics. In addition, Society members have a duty to facilitate the enforcement of this Code of Professional Responsibility.