Privacy Policy

Effective January 26, 2006

Your relationship with Ken Stern & Associates and Asset Planning Solutions, Inc. is based on trust and confidence. To fulfill its responsibilities to you, Ken Stern & Associates and Asset Planning Solutions, Inc. require that you provide current and accurate financial and personal information. You deserve to expect that we will protect the information you have provided in a manner that is safe, secure and professional. Ken Stern & Associates, Asset Planning Solutions, Inc. and our employees are committed to protecting your    privacy and to safeguarding that information.

Safeguarding Customer Documents

We collect non-public customer data in checklists, forms, in written notations, and in documentation provided to us by our customers for evaluation, registration, licensing or related consulting services.  We also create internal lists of such data.

During regular business hours access to customer records is monitored so that only those with approval may access the files. During hours in which the company is not in operation, the customer records will be locked.

No individual who is not so authorized shall obtain or seek to obtain personal and financial customer information. No individual with authorization to access personal and financial customer information shall share that information in any manner without the specific consent of a firm principal.  Failure to observe firm procedures regarding customer and consumer privacy will result in discipline and may lead to termination.

Sharing Nonpublic Personal and Financial Information

Ken Stern & Associates and Asset Planning Solutions, Inc. are committed to the protection and privacy of its customers’ and consumers’ personal and financial information. We will not share such information with any nonaffiliated third party except:

• When necessary to complete a transaction in the account, such as with the clearing firm or account custodians;
• When required to maintain or service a customer account;
• To resolve customer disputes;
• When requested by a fiduciary or beneficiary on the account;
• To rating agencies, or to the client’s attorneys or accountants;
• When required by a regulatory agency, or for other reasons required by law;
• In connection with a sale or merger of Ken Stern & Associates or Asset Planning Solutions, Inc. business; or
• In any circumstances with the customer’s instruction or consent.

Opt-Out Provisions

It is not a policy of Ken Stern & Associates and Asset Planning Solutions, Inc. to share nonpublic personal and financial information with unaffiliated third parties except under the circumstances noted above. Since sharing under the circumstances noted above is necessary to service customer accounts or is mandated by law, there are no allowances made for clients to opt out.