The Everyday Steward division of Ronald Blue & Co.,
LLC (RB&Co.) is committed to safeguarding
the confidential information of its clients.
Our firm holds all your personal information
in the strictest confidence. This
information
includes all personal information that
we collect from you in connection with
any of the professional services for
which you have contracted. We do not
disclose information to nonaffiliated
third parties, except as permitted or
required by law. If we were to
anticipate such a change in the firm's policy,
we would first advise you. As you know,
we use financial information that you
provide to us to help you meet your personal
financial goals while guarding against
any real or perceived infringements of
your rights of privacy. Our policy with
respect to personal information is:
We limit access to your information
only to those employees or nonaffiliated
parties who have a business or professional
reason for this information where permitted
or required by law. The following examples
are typical, but not exhaustive, of situations
in which RB&Co. would share your
personal information.
1. RB&Co. Employees. RB&Co.
employees require this information for
the daily conduct of RB&Co.'s business.
2. Brokerage and Investment Management
Firms. Regulations permit us to share
a limited amount of information about
you with a brokerage firm, such as Fidelity
or Schwab, in order to execute securities
transactions on your behalf.
3. Proxy Services. At your request,
RB&Co. may engage a proxy service
to vote proxies on your investment account.
4. Other Client Professional Advisers.
You may authorize RB&Co. to disclose
your personal information with other
professional advisers such as an accountant
or lawyer.
5. Legal Proceedings. In the event you
are involved in a legal proceeding such
as a civil lawsuit or divorce, RB&Co. could
be required to provide personal client
information.
We do not sell your personal
information to mailing list vendors or
solicitors for any purpose.
We maintain electronic
and procedural safeguards to protect
your information.
The categories of nonpublic personal
information that we collect
from a client depend upon the scope of
the client engagement. It may include
information about your personal finances,
transactions between you and third parties
(for example, the purchase of insurance
policies) and other information provided
by third parties.
For unaffiliated third parties that
require access to your personal information,
including financial service companies,
consultants, and auditors, we also require strict confidentiality
in our agreements with them and expect
them to keep this information private.
Federal and state regulators may review
firm records as permitted under law (for
example, information may be shared with
someone who has established a legal beneficial
interest, such as a power of attorney).
Personally identifiable information
about you will be maintained during the
time you are a client, and for the required
time thereafter that such records are
required to be maintained by federal
and state securities laws, and consistent
with the CFP Board Code of Ethics and
Professional Responsibility. Generally,
after this
required period of record retention,
all such information will be destroyed.
Should you require clarification about
any of the above policies, you may call
RB&Co.'s Compliance Department at
770-280-6011.