The Securities and Exchange Commission (SEC) was required by the Gramm-Leach-Bliley Act to establish standards to safeguard client information and records. As a result, the SEC adopted Regulation S-P, which among other things, requires investment advisors registered with the SEC to adopt appropriate policies and procedures that address safeguards to protect this information and to disclose its privacy policies to clients.
Transformational Wealth LLC has always taken great measures to protect and safeguard information we gather on our clients. As a financial company, we can choose if or how we share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
Types of Information Collected
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications or other forms, such as your name, address, phone number, Social Security Number, date of birth, account numbers, tax documents, income, employment and residential information, cash balances, security balances, other investments, investment objectives, goals, and risk tolerance, net worth; and
Information about your transactions with us or with your custodian(s), such as buys, sells, gains, losses, fees, and/or holdings. Such information may be obtained from paper statements or via electronic download directly from your custodian.
Transformational Wealth LLC’s web servers collect domain names and/or IP addresses of users to measure what pages and features are accessed by our visitors. This information helps us administer the site, improve content and gather broad demographic information for aggregate use.
Transformational Wealth LLC may use “cookies” or similar files or scripts throughout its website to enhance your convenience in using our websites, to improve search functionality or to hold information that you would otherwise need to re-key. “Cookies” are text files collected by a user’s web browser. If you do not wish to accept “cookies” from our website, you may configure your web browser so that it does not accept “cookies”; however, you may lose certain functions available on our website.
In order to understand how advertising performs, we may collect certain information on our Site and other sites and mobile apps through our advertising service providers using cookies, IP addresses, and other technologies. The collected information may include the number of page visits, pages viewed on our Site, search engine referrals, browsing activities over time and across other sites following your visit to our Site, and responses to advertisements and promotions on the Site and on sites and apps where we advertise.
Transformational Wealth LLC uses information described in this Notice to help advertise our products and services, analyze the effectiveness of the advertising, and determine additional need for marketing.
If you prefer we not use information based on online Site behavior, you may opt out of online behavioral advertising by going to https://tools.google.com/dlpage/gaoptout.
Use of Personal Information
We do not sell your personal information to anyone. We do not share your information for joint marketing with other financial companies or share information about your transactions and experiences or information about your creditworthiness for our affiliates’ everyday business purposes. We do not share your information so our affiliates or non-affiliates can market to you.
We do not disclose or share nonpublic personal information about you to third parties, unless one of the following limited exceptions applies or you have specifically asked us to do so:
We disclose personal information to companies that help us process or service your transactions or account(s) which include custodians or other vendors.
We may disclose or report personal information in limited circumstances where we believe in good faith that disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities.
Transformational Wealth LLC restricts access to your personal and account information to those employees who need to know that information in order to provide services to you. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.
From time to time it may be useful or convenient for Adviser to discuss client’s financial information with other professionals engaged by the client, such as their attorney, CPA, or insurance agent. Adviser will secure written authorization from client prior to the sharing of any information and may also request written authorization to receive information from these other professional advisors in serving the client.
From time to time due to unforeseen circumstances relating to the physical or mental health of a client, the best financial interests of the client may be served if Transformational Wealth LLC is able to communicate regarding the client with another individual. If the client has provided Transformational Wealth LLC with a properly executed copy of the client’s power of attorney, Transformational Wealth LLC may contact the client’s attorney-in-fact, if Transformational Wealth LLC reasonably believes doing so is in the best interest of the client. If the client has provided Transformational Wealth LLC with a properly executed copy of a Client Advocate Designation, Transformational Wealth LLC may communicate with the Client Advocate. If the client’s attorney-in-fact or Client Advocate is unavailable, Transformational Wealth LLC may communicate with a responsible family member Transformational Wealth LLC reasonably believes is an appropriate person with whom to communicate under the circumstances.
Sharing Practices Notification
We must provide you with a copy of this statement which details our sharing practices when you initially open an account and each year while you are a customer.
Governing Law and Jurisdiction
Any disputes arising out of this Policy, and Transformational Wealth LLC’s collection and use of customer information, shall be governed and interpreted in accordance with the laws of the United States and the State of Iowa.
Transformational Wealth LLC does not send emails to customers requesting billing, login or password information. If you receive an email purporting to be from Transformational Wealth LLC that asks you to provide personal or account information, or login and passwords, do not provide such information unless you have first verified that the website or email is from Transformational Wealth LLC. Such emails may be fraudulent and used in connection with scams known as phishing. Transformational Wealth LLC asks that you report any suspicious emails or websites to Transformational Wealth LLC.
Disposal of Information
Transformational Wealth LLC has taken steps to reasonably ensure that the privacy of your nonpublic personal information is maintained at all times, including in connection with the disposal of information that is no longer required to be maintained. Such steps shall include whenever possible, shredding paper documents and records prior to disposal, requiring off-site storage vendors to shred documents maintained in such locations prior to disposal, and erasing and/or obliterating any data contained on electronic media in such a manner that the information can no longer be read or reconstructed.
Right to Limit Sharing
Federal law gives you the right to limit sharing only for:
- affiliates’ everyday business purposes—information about your creditworthiness (we do not share)
- affiliates to market to you (we do not share)
- non-affiliates to market to you (we do not share)
- State laws and individual companies may give you additional rights to limit sharing.
Contact and Modifying Personal Information
If you should ever decide to close your account(s) or become an inactive client, we will continue to adhere to the privacy policies and practices as described in this notice.
Should you have any questions about the privacy and protection of your records, please contact us and we will be happy to discuss this matter with you.
Send a request by mail to:
Transformational Wealth LLC, Po Box 352, Adel, IA 50003
Please note that you cannot opt out of receiving any notifications or disclosures that we are required by Federal or State law to provide to you.
Everyday Business Purposes – The actions necessary by financial companies to run their business and manage customer accounts, such as providing investment advisory and financial planning advice, processing securities transactions, and otherwise providing financial services to you.
Affiliates – Companies related by common ownership or control. They can be financial and nonfinancial companies.
Non-Affiliates – Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint Marketing – A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
IMPORTANT WEB SITE DISCLOSURE INFORMATION
Transformational Wealth LLC (“Company”) is an State registered investment adviser located in Iowa. Company and its representatives are in compliance with the current filing requirements imposed upon State registered investment advisers by those states in which Company maintains clients. Company may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.
Company’s 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 Company’s web site on the Internet should not be construed by any consumer and/or prospective client as Company’s 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 Company 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 Company, please contact the Iowa State or the state securities regulators for those states in which Company maintains a notice filing. A copy of Company’s current written disclosure statement discussing Company’s business operations, services, and fees is available from Company upon written request. Company 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 Company 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.
Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Company), will be profitable or equal any historical performance level(s).
Certain portions of Company’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Company (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 Company, or from any other investment professional. Company is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.
Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Transformational Wealth LLC is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Transformational Wealth LLC. by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.
Rankings are generally limited to participating advisers.
To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Company’s 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 Company, or from any other investment professional.
Each client and prospective client agrees, as a condition precedent to his/her/its access to Company’s web site, to release and hold harmless Company, 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 Company.
IMPORTANT ADVERTISING DISCLOSURE INFORMATION
Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Transformational Wealth LLC), or any non-investment related services, will be profitable, equal any historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Moreover, you should not assume that any discussion or information contained in this advertisement serves as the receipt of, or as a substitute for, personalized investment advice from Transformational Wealth LLC. Transformational Wealth LLC is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. Please remember that it remains your responsibility to advise Transformational Wealth LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. A copy of our current written disclosure statement discussing our advisory services and fees is available upon request. The scope of the services to be provided depends upon the terms of the engagement.
Please Note: Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Transformational Wealth LLC. is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Transformational Wealth LLC by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers.
IMPORTANT DISCLOSURE INFORMATION
Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Transformational Wealth LLC), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in a newsletter/blog/article serves as the receipt of, or as a substitute for, personalized investment advice from Transformational Wealth LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. CLIENT. is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting advice. If you are a Transformational Wealth LLC client, please remember to contact Transformational Wealth LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services.
A copy of the Transformational Wealth LLC’s current written disclosure statement discussing our advisory services and fees is available upon request.
Transformational Wealth LLC is a registered investment adviser offering advisory services in the State of Iowa.
All written content on this site is for information purposes only. Opinions expressed herein are solely those of Transformational Wealth LLC, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.
This website may provide links to others for the convenience of our users. Our firm has no control over the accuracy or content of these other websites.
Advisory services are offered through Transformational Wealth LLC, an investment advisor firm domiciled in the State of Iowa. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute.
Follow-up or individualized responses to consumers in a particular state by our firm in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.
For information concerning the status or disciplinary history of a broker-dealer, investment advisor, or their representatives, a consumer should contact their state securities administrator.
Transformational Wealth LLC respects the privacy of all clients and prospective clients (“customers”), both past and present. It is recognized that you have entrusted our firm with non‐public personal information and it is important that both access persons and customers are aware of firm policy concerning what may be done with that information.
The firm collects personal information about customers from the following sources:
- Information clients provide to our firm to complete their plan or offer recommendation;
- Information clients provide in engagement agreements, account applications, and other documents completed in connection with the opening and maintenance of their accounts;
- Information customers provide verbally; and
- Information received from service providers, such as custodians, about client transactions.
The firm does not disclose non-public personal information about our customers to anyone, except in the following circumstances:
- When required to provide services our clients have requested;
- When our customers have specifically authorized us to do so;
- When required during the course of a firm assessment (i.e., independent audit); or
- When permitted or required by law (i.e., periodic regulatory examination).
Within the firm, access to customer information is restricted to personnel that need to know that information. All access persons and service providers understand that everything handled in firm offices are confidential and they are instructed to not discuss customer information with someone else that may request information about an account unless they are specifically authorized in writing by the customer to do so. This includes, for example, providing information about a spouse’s IRA account or to adult children about parents’ accounts, etc.
To ensure security and confidentiality, the firm maintains physical, electronic, and procedural safeguards to protect the privacy of customer information.
Contact us at:
Transformational Wealth LLC, Po Box 352, Adel, IA 50003