Privacy Policy

Planning Alternatives, LTD.

As a trusted advisor, Planning Alternatives, LTD., has always taken care to protect the confidentiality of information from and about you that we receive when we provide services to you. This confidentiality is an essential foundation of our relationship with you. Our Privacy Policy appears below. Please look it over and call us if you have any questions. Make sure you keep a copy of this policy with your other important papers.

Information we collect from you

We collect nonpublic personal information from you to assist us in providing financial planning and investment management services to you. The categories of nonpublic personal information we collect depends upon the types of products and services we provide for you. We collect nonpublic personal information about you from the following sources:
  • Information we receive from you on applications or other forms, such as your name, address, social security number, telephone number, assets, income, medical and health information to the extent that it is needed for the planning process, and insurance beneficiaries.
  • Information about your transactions with us or others, such as your account balance, payment history, parties to transactions, account usage, and insurance policy coverage and premiums.
  • Information developed as part of the financial planning process or investment advisory services.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you for personal, family or household purposes. It does not include information available from government records, widely distributed media, or government mandated disclosures.

Third parties with whom we may share information

We do not disclose nonpublic personal information about our customers or former customers to anyone except as permitted by law. For example, we are permitted by law to share information about you with:

  • Companies that assist us in processing your transactions and servicing your account.
  • A brokerage firm in order to execute securities transactions on your behalf.
  • Your accountant, lawyer, other advisors, or family members with your consent.
  • Entities with whom we have agreements with to perform services for use or function on our behalf (such as software companies, our attorneys, and accountants).
  • Federal and state regulators that regulate our company.

We do not provide your personally identifiable information to direct marketers or solicitors for any purpose.

Disclosure of information about former customers

We will continue to adhere to the privacy practices described in this notice when you become a former customer. You become a former customer when you close your accounts with us or your investment advisory contract is terminated.

We will maintain personally identifiable information about you during the time you are a customer, and for any time thereafter that we are required to maintain such records by federal and state securities laws, and the CFP Board Code of Ethics and Professional Responsibility. After this required period of record retention, we will destroy that information.

Our security policies and practices

We restrict access to nonpublic personal information about you to those employees who need the information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards and the standards of our profession to guard your nonpublic personal information.