Privacy & Legal

Legal Notice

We're serious about compliance.

Utley Financial Planning Incorporated is an investment advisory firm registered with the State of Oregon doing business as Physician Family Financial Advisors. Physician Family Financial Advisors and its representatives are in compliance with the current filing requirements imposed upon advisory firms registered with the State of Oregon. Physician Family Financial Advisors may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Physician Family Financial Advisors' web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Physician Family Financial Advisor's web site on the Internet should not be construed by any consumer and/or prospective client as Physician Family Financial Advisors' solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Physician Family Financial Advisors with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Physician Family Financial Advisors, please contact the state securities law administrators for those states in which Physician Family Financial Advisors maintains a notice filing. A copy of Physician Family Financial Advisors' current written disclosure statement discussing Physician Family Financial Advisors' business operations, services, and fees is available from Physician Family Financial Advisors upon written request. Physician Family Financial Advisors does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Physician Family Financial Advisors' web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Certain portions of Physician Family Financial Advisors' web site (i.e., newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Physician Family Financial Advisors' (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Physician Family Financial Advisors, or from any other investment professional. Physician Family Financial Advisors personnel are neither attorneys nor accountants, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Physician Family Financial Advisors' web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Physician Family Financial Advisors, or from any other investment professional. Each client and prospective client agrees, as a condition precedent to his/her/its access to Physician Family Financial Advisors' web site, to release and hold harmless Physician Family Financial Advisors, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Physician Family Financial Advisors.

Copyright Notice

All text content ©2008 Physician Family Financial Advisors All rights reserved. All material contained herein is copyright protected and may not be reproduced in any manner without the express written permission of the copyright owner. All logos and trademarks are the exclusive intellectual property of the owners and are reproduced here by permission.

If you have any questions about this legal information, please contact us.

Privacy Policy

For The Public

E-mail addresses: Physician Family Financial Advisors Inc. will never give, sell, rent, lend or otherwise distribute your e-mail address for purposes other than communications between you and Physician Family Financial Advisors. We will make a reasonable effort to give you an opportunity to unsubscribe from lists we may maintain.

For Clients

Physician Family Financial Advisors Inc. is committed to safeguarding the confidential information of its clients. We hold all personal information provided to our firm in the strictest confidence. These records include all personal information that we collect from clients in connection with any of the services we provide. We only disclose information to non-affiliated third parties as permitted by law. If we were to anticipate such a change in firm policy, we would be prohibited under the law from doing so without advising our clients first. We use financial information provided by clients to help them meet their personal financial goals while guarding against any real or perceived infringements on their rights of privacy. Our policy with respect to personal information about clients is as follows:

• We limit employee and agent access to information only to those who have a business or professional reason for knowing, and only to non-affiliated parties as permitted by law. For example, federal regulations permit us to share a limited amount of information about clients with a brokerage firm in order to execute securities transactions on their behalf, or so that we can discuss a client's financial situation with their accountant or lawyer.
• We maintain a secure office and computer environment to ensure that client information is not placed at unreasonable risk.
• The categories of non-public personal information that we collect from clients depends upon the scope of the client engagement. It can include information about a client's personal finances, information about a client's health to the extent that it is needed for the planning process, information about transactions between the client and third parties, and, in some cases, information from consumer reporting agencies.
• For unaffiliated third parties that require access to a client's 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 also may review firm records as permitted under law.
• We do not provide clients' personally identifiable information to mailing list vendors or solicitors.

If you have any questions about our privacy policy, please contact us.