We have a Fiduciary responsibility to disclose all material facts about our services including both current and potential conflicts of interest to our clients, and the advisory fees we charge. We do not charge commissions on investments. We make decisions that are in the best interest of the client in order to meet client objectives. When there are actual and potential conflicts of interests, we disclose those to clients in order that they are able to make an informed decision. We do not sell propriety products that pay us additional income. We are transparent and forthright about costs of services and guide clients toward investments with their best interests in mind.