Sailor Financial - Disclosure

DISCLOSURE

All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Kevin R. Sale ChFC, MBA, Principal, Sailor Financial LLC. Information throughout this site, whether stock quotes, charts, articles, or any other statement or statements regarding market or other financial information, is obtained from sources which we and our suppliers believe reliable, but we do not warrant or guarantee the timeliness, accuracy, or completeness of the information on this or any “linked” web site. All information and ideas should be discussed in detail with your individual advisor prior to implementation. Fee-only financial planning and investment advisory services are offered by Sailor Financial, LLC. a registered investment advisor in the state of Minnesota.

The presence of this web site on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the state of Minnesota or where otherwise legally permitted. We are legally empowered to provide investment advisory services to residents of Minnesota and certain other states.

COPYRIGHT NOTICE

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. Text, banner, Sailor Financial Logo, “Sailor Speak,” “Charting your course”: ©2006 Sailor Financial, LLC, Kevin Sale, Principal.

Text, articles and GPN logos: ©2006 Garrett Planning Network, Inc., Sheryl Garrett, Principal. “Building Brighter Financial Futures” “Hourly, As-Needed Financial Planning and Advice … The New Choice for Smart Consumers” and “Financial Planning and Advice for Everyday Life” ™ 2006 The Garrett Planning Network Inc., Sheryl Garrett, principal.

CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

PRIVACY POLICY

You likely receive a multitude of notifications from financial institutions that include privacy statements. These notifications are in response to the Federal Trade Commission's Gramm-Leach-Bliley Act (the "Act"). As required by the Act, financial institutions must provide consumers with a notice of the Firm's privacy policies and practices, and must not disclose nonpublic personal information about a consumer to nonaffiliated third parties unless the institution provides certain information to the consumer and the consumer has not elected to opt out of the disclosure.

The Act also revised the Federal definition of "financial institutions" to include investment advisers and that is why you are receiving our letter today. As a State-regulated Investment Adviser, Sailor Financial, LLC (SF), defers to and maintains compliance with these Privacy Rules.

We at SF value your trust and confidence and carefully handle the nonpublic personal information we possess. This information generally will include:

Information provided from applications, forms and other information provided to us either verbally or in writing, and include but are not limited to your name, address, phone number, account information, social security number, employment, assets, income and debt;

Information about your transactions, accounts, trading activity and parties to transactions;

Information from other outside sources;

Any other information that is deemed to be nonpublic personal information as defined by the Gramm-Leach-Bliley Act and by the SEC's Privacy Rule, to which most state-regulated Investment Advisory Firms defer.

The new Act and Privacy Rule have no effect on the way we do business. We have never and will never sell our Clients' nonpublic personal information to any other person or entity. We will only share information when you have expressly directed us to do so or by application to facilitate a financial service offered through our firm or where we may be required to provide information by law or regulation.

Our internal procedure for handling your personal information also remains unaffected by the new Privacy Rule. SF continues to restrict access to its records to only those persons who have a need to obtain information in order to deliver advisory or administrative services.

If you should have any questions or concerns regarding our privacy policy and procedures, please do not hesitate to contact us directly.