Investment Advisor Disclosure Brochure
Terms of Service
By providing your billing information, you engage Physician Family Financial Advisors Incorporated (“Physician Family”, “we”, “us” and “our”, an Oregon corporation registered as an investment adviser under the laws of the State of Oregon) to provide services under the following terms.
“Financial Consulting” means access to advice about personal finance issues that may include income, expenses, assets, liabilities, insurance or taxes but not investment advice.
“Financial Planning” means access to advice about how to reach retirement, college and/or major purchase goals, including general asset allocation advice (percentage of equity and debt asset classes) for each goal.
"Investment Guidance" means access to advice about specific securities to buy, sell or hold in an account you manage.
“Account Management” means choosing and transacting securities, at our sole discretion without your prior approval, in any account over which we are authorized by you or for which you have granted power of attorney to us, subject to your time horizon, investment objective and risk tolerance.
“Stable” Service Package subscribers will receive Financial Consulting only.
“Serious” Service Package subscribers will receive Financial Consulting and Financial Planning.
“Secure” Service Package subscribers will receive Financial Consulting, Financial Planning, Investment Guidance and/or Account Management.
COMPENSATION & COSTS
Physician Family is “fee only” so we only accept compensation from you in connection with services we render to you. We will charge you a fee when your service begins and each month thereafter. We may change our fee by giving you 30 days notice. As a result of following our advice, you may also bear other costs including but not limited to mutual fund expenses, third party money manager fees, transaction costs and taxes.
You may cancel this agreement at any time by notifying us in writing. Otherwise, this agreement will renew monthly. Fees are nonrefundable.
RISK & INDEMNIFICATION
You understand that investments are subject to various market, political, currency, economic, and business risks and may not always be profitable. You assume all risk involved with your investments. We do not and cannot guarantee financial or investment results. You indemnify us against any loss of assets caused by a financial institution. You indemnify us against any loss incurred by us as a result of our reliance upon inaccurate or incomplete information provided by you. Nothing in this agreement will relieve us of any responsibility or liability we may have under the law.
You agree to accept electronic communication of any notice, advice, or report in lieu of a printed copy at your email address as designated in writing to us. Our email address for notices is firstname.lastname@example.org.
You authorize us to disclose information about you to third parties as necessary to render services. If you are a couple (marital partners, for example), communication between us and one of you will be held in the same regard as communication with both of you.
You acknowledge receipt of our disclosure brochure. If our disclosure brochure was not delivered to you at least 48 hours prior to you entering into any written or oral advisory contract with us, you have the right to terminate the contract without penalty within five business days after entering into the contract. For the purposes of this provision, a contract is considered entered into when all parties to the contract have signed the contract or, in the case of an oral contract, otherwise signified their acceptance, any other provisions of this contract notwithstanding.
This agreement will be construed in accordance with the laws of the State of Oregon unless preempted by federal law. If any provision of this agreement is held to be unenforceable in any arbitration or by any court, the remaining provisions will continue in full force and effect. Neither party may assign this agreement. In the event of any controversy arising under this agreement, each party shall pay their own respective attorney’s fees, including costs. This agreement constitutes and contains the entire understanding between the parties regarding the services described above and supersedes all prior oral or written agreements between the parties. This agreement may be terminated by either party in a written notice to the other.
We limit employee and agent access to information to only those who have a business or professional need to know, and only to nonaffiliated parties as permitted by law. We maintain a secure business environment to ensure that your information is not placed at unreasonable risk. The categories of nonpublic personal information that we collect from you depends upon the scope of the engagement. It can include information about your personal finances or information about transactions between you and third parties. For unaffiliated third parties that require access to your personal information, including financial service companies, subcontractors, consultants, and auditors, we require confidentiality in dealings with them and expect them to keep this information private. Our records are subject to examination by federal and state regulators. We do not provide your personally identifiable information to mailing list vendors or solicitors. We maintain personally identifiable information about you during their engagement and after for a time as required by law.