ETHICAL VALUES

The etymological basis of the word ethics is the Greek word ethos, meaning habitual or customary conduct. Ethics and ethical are often used synonymously with morality and moral, as when reference is made to the ethics or morality of a person or group, or to their ethical or moral values. It was popularized by Aristotle and further developed by latter philosophers.

Ethical behavior implies conformity to standards of community conduct that comes from a moral sense of what is right and what is wrong. There are also standards of proper ethical behavior in the securities industry. The principles and rules of embodied in codes of ethics are not rules of law, however most have their basis in laws and regulations.

While there is no "universal" professional code of ethics that apply to securities professionals, we believe the CFP Code of Ethics and Professional Responsibility is one model for conduct for those who provide financial services and offer investment advice to the general public. The seven principles are:

INTEGRITY

OBJECTIVITY

COMPETENCE

FAIRNESS

PROFESSIONALISM

DILIGENCE

CONFIDENTIALITY