National Association of Personal Financial Advisors - Fiduciary Oath

The advisor shall exercise his/her best efforts to act in good faith and in the best
interests of the client.

The advisor shall provide written disclosure to the client prior to the engagement of the
advisor, and thereafter throughout the term of the engagement, of any conflicts of
interest, which will or reasonably may compromise the impartiality or independence of
the advisor.

The advisor, or any party in which the advisor has a financial interest, does not receive
any compensation or other remuneration that is contingent on any client's purchase or
sale of a financial product.

The advisor does not receive a fee or other compensation from another party based on
the referral of a client or the client's business.

What the Fiduciary Oath means:

• I shall always act in good faith and with candor.
• I shall be proactive in my disclosure of any conflicts of interest that may impact a client.
• I shall not accept any referral fees or compensation that is contingent upon the
  purchase or sale of a financial product.