CLIENT BILL OF RIGHTS
1. You have the right to courteous service – from your financial advisor and all other associates
of HWC Financial.
2. You have the right to select and work with a trustworthy, independent financial advisor who is
professionally competent, personally dedicated, and who communicates with you on a regular
basis about your financial matters.
3. You have the right to expect financial and investment recommendations based solely upon
your unique needs and goals, consistent with the objective of enhancing your financial wellbeing.
4. You have the right to open, consistent communication and to have information presented in
clear and understandable terms.
5. You have the right to know what you own, why you own it and the risks associated with
owning it.
6. You have the right to reasonable investment alternatives selected based on your individual
objectives and presented with full disclosure of risks and benefits.
7. You have the right to know all costs associated with an investment, as well as charges for our
services.
8. You have the right to have transactions executed in a timely fashion, at the best available price
and with prompt reporting. Your statements should reflect all positions and activity in your
account.
9. You have the right to have any errors corrected fully and any complaints addressed promptly.
10. You have the right to strict confidentiality, complete discretion and full protection of your
personal and financial information. HWC Financial only provides information to external
organizations when required by law or regulation or when necessary to provide the services you
have requested.
CLIENT RESPONSIBILITIES
1. You have the responsibility to share your current financial situation, needs and objectives, as
well as changes in your financial and personal circumstances, with your financial advisor so that
appropriate recommendations can be made. You should be open, honest and forthcoming – in a
manner that is consistent in a successful collaborative relationship.
2. You have the responsibility to acknowledge and respond to communications from HWC
Financial advisors and staff members in a timely manner. You should make time to meet with
your financial advisor on a regular basis, to review and revise your financial plan and portfolio as
needed based upon changing circumstances.
3. You have the responsibility to review all statements and trade confirmations in their entirety,
ensuring that your instructions were carried out as expected and reporting any errors to your
financial advisor. Ask for clarification of anything you do not understand.
4. You have the responsibility to maintain accessible records of financial plans, including the
investments you’ve made and the rationale for purchase, to a family member or other trusted
individual. We recommend you prepare an annual balance sheet detailing all of your investments, including their locations.