Core Investment Policy Statement
Account Aggregation and Online Credentials
Certain account aggregation and investment management systems offered by Anglia Advisors to some of its clients may allow them to view their account statements from various financial institutions such as banks or credit unions, investment account custodians, retirement account providers, student loan providers in one place or allow advisor limited, partial access to investment and/or retirement accounts to conduct risk analysis or make certain allocation changes.
In many cases, this requires the client to enter the account's online credentials to effect real-time access to the account data. These online credentials are never made available to, held or stored by Anglia Advisors.
In the case of aggregators, they simply gather existing data from a variety of sources and will let clients see it via a convenient portal. Anglia Advisors is not affiliated with any account aggregator and does not receive any type of fee or other consideration from the provider if you sign up for account aggregation, although a fee may be optionally assessed to the client by Anglia Advisors for access to the portal.
Before you decide to use an account aggregator, you should understand what it does and does not do. An account aggregator assembles data from various sources, and the information it gathers may include some data about historical account performance, but an account aggregator is not an investment performance reporting tool. The data it passes on to you may not have been verified by the account aggregator provider nor by Anglia Advisors.
Clients should always review their official account statements, and not consider any consolidated report such as that available through an account aggregator or any similar service to be a substitute for your actual account statement.
In the case of investment management, risk analysis of accounts or student loan repayment analysis, this usually works by you allowing limited, partial access to your account by using your unique login and password. Once again, these online credentials are never made available to, held or stored by Anglia Advisors.
Your financial institution may or may not be able tell the difference between you and any third party that logs in with your access information. You should review your account agreement with each financial institution to determine if providing your account access information to a third party violates your account agreement. Your financial institution may also reserve the right, at its discretion, to decline to recognize this discretion over your account.
Additionally, advisor or aggregator access to the account may be limited or blocked from time to time by internal security protocols established by the institution (such as requiring password changes, answers to security questions, texting or emailing of verification codes/tokens etc.). In many cases, this may require re-entry of the online credentials by the client into the third-party system. In some cases however, our third party partners may have the technology to allow continued access by the advisor with the client granting permissions in advance, so that the client does not need to keep having to assist advisor sign on through communication or entry of this supplemental data.
Anglia Advisors has no control over the security practices or current or future privacy policies of these aggregation or investment management service providers and will assume no responsibility for any damages (financial loss, ID theft or any other damage) resulting from their use. While Anglia Advisors has reason to believe in the quality of such services, we cannot be held liable in any way for the services or security/privacy procedures offered by these third party providers.
We respect the privacy of all clients and prospective clients (collectively termed \"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 customers provide to complete their financial plan or investment recommendation;
• Information customers provide in engagement agreements and other documents completed in connection with the opening and maintenance of an account;
• Information customers provide verbally; and
• Information received from service providers, such as custodians, about customer transactions.
The firm does not disclose non-public personal information about our customers to anyone, except in the following circumstances:
To law enforcement authorities concerning suspected unlawful activities, to the extent permitted by the law;
As required to comply with federal, state, or local law;
As required to comply with a properly authorized civil, criminal, or regulatory investigation or examination, or subpoena or summons, by a governmental authority;
As necessary to defend against allegations of wrongdoing made by a governmental authority;
As necessary to present a civil claim against, or defend against a civil claim raised by, a client;
As required to comply with a request from CFP Board concerning an investigation or adjudication; and
As necessary to provide information to professional organizations that are assessing the CFP professional\'s compliance with professional standards.
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 not to 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 or to children about a parent\'s account.
All written content on this website is for information purposes only. Opinions expressed anywhere herein are solely those of Anglia Advisors unless otherwise specifically cited. Material presented is believed to be from reliable sources but 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 accountant or legal or other professional counsel prior to implementation. The presence of this website on the internet or communications received from the firm (electronic, media, written or verbal) shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. This website may provide links to others for the convenience of users. Anglia Advisors has no control over, and cannot be held in any way liable for, the accuracy, content or security/privacy protocols of these other websites.
Form ADV Parts 2A and 2B
As a Registered Investment Advisor, Anglia Advisors makes the most recent version of the firm's Form ADV Part 2A (Firm Brochure) and Part 2B (Brochure Supplement) available upon request. Copies will always be made available to potential clients prior to execution of the firm's client engagement agreement and existing clients will receive updated versions of Form ADV Parts 2A and 2B at least annually.
Tax, Legal or Medical Advice
As a Registered Investment Advisor, Anglia Advisors is NOT permitted to offer direct tax advice, legal advice or medical advice and no firm communications of any kind (written, media, electronic or verbal) should ever be construed as such.
Committee For the Fiduciary Standard
Presentations, Seminars and Workshops
Anglia Advisors and its employees may provide educational workshops for attendees (including online presentations such as webinars or podcasts) desiring general advice and information on investments and personal finance. Topics may include issues related to financial planning, educational and estate planning, retirement strategies, or various other economic and investment topics.
These are all educational in nature and do not involve the sale of insurance or investment products. Information presented will not be based on any one person\'s need nor do we provide individualized investment advice to attendees during our general sessions.
Note: For those attendees/sponsors residing in New York, the execution of this agreement shall not waive or limit compliance with, or require indemnification for any violations of, any provision of New York Securities Law. \
Anglia Advisors, other than being a WeWork member client, is not affiliated in any way with WeWork LLC and does not pay/receive any compensation to/from WeWork LLC in return for any discounted services offered to its members.
Betterment For Advisors (Betterment LLC) & Apex Clearing
Dimensional Fund Advisors (DFA)
Anglia Advisors has been approved by DFA to offer their funds to its clients within the Betterment For Advisors platform following an interview and education process, but is otherwise not affiliated in any way with the firm.
Anglia Advisors has contracted with Asset-Map for provision of financial planning software, but is otherwise not affiliated in any way with the firm. While Anglia Advisors has reason to believe in the quality of services provided by Asset-Map, we cannot be held responsible or liable in any way for any aspect of these services or the security/privacy policies and procedures offered by any of these third party providers.
My Rep Chat
Anglia Advisors has contracted with My Rep Chat for provision of a secure and encrypted archiving system for text messages, but is otherwise not affiliated in any way with the firm. While Anglia Advisors has reason to believe in the quality of services provided by My Rep Chat, we cannot be held responsible or liable in any way for any aspect of these services or the security/privacy policies and protocols offered by any of these third party providers.
While Anglia Advisors has reason to believe in the quality of services provided by Regal Credit, we cannot be held responsible or liable in any way for any aspect of these services or the security/privacy policies and protocols offered by any of these third party providers.
Additional disclosure: The owner of Regal Credit, Anthony Davenport, is a long standing professional acquaintance of Simon Brady, CFP® of Anglia Advisors and has employed one of Simon's direct family members to work at the firm's New York offices.
Anglia Advisors has contracted with PayItOff for provision of student loan debt management software, but is otherwise not affiliated in any way with the firm. Use of PayItOff may sometimes involve the client entering online account login credentials. These online credentials are never made available to, held or stored by Anglia Advisors. While Anglia Advisors has reason to believe in the quality of services provided by PayItOff, we cannot be held responsible or liable in any way for any aspect of these services or the security/privacy policies and protocols offered by any of these third party providers.
Kwanti Portfolio Analysis Software
Anglia Advisors has contracted with Kwanti for access to its software in order to conduct extensive portfolio analysis, but is otherwise not affiliated in any way with the firm.
Helios Integrated Planning (HIP)
Anglia Advisors has contracted with HIP for the provision of legal services - particularly estate planning services - for use with the firm\'s Estate Planning Assistance service, but is otherwise not affiliated in any way with HIP. While Anglia Advisors has reason to believe in the quality of services provided by HIP, we cannot be held responsible or liable in any way for any aspect of these services or the security/privacy policies and protocols offered by any of these third party providers. Anglia Advisors will not be performing any legal services of any kind.
Micro-Saving Tools and Online High Yield Savings Accounts
Anglia Advisors may from time to time recommend the use of third party online or mobile micro-saving tools, such as for example Digit, Acorns or high yield online savings accounts, such as those offered by Betterment, Flourish, Marcus, Ally, Synchrony, Barclays, American Express or others. Anglia Advisors is not affiliated with any of these providers and does not pay/receive any compensation to/from any of them in return for clients using their services, nor does Anglia Advisors charge asset management fees for assets held with these institutions. Use of these providers may involve the client entering online account login credentials. These online credentials are never made available to, held or stored by Anglia Advisors. While Anglia Advisors has reason to believe in the quality of services provided by these platforms, we cannot be held responsible or liable in any way for any aspect of these services or the security/privacy policies and protocols offered by any of these third party providers.
Any Other Recommended Services
From time to time, Anglia Advisors may recommend the use by clients of services offered by other third-party service providers, a number of whom may provide online resources. While Anglia Advisors will have reason to believe in the quality of these services, we cannot be held responsible or liable in any way for any aspect of these services or the security/privacy policies and protocols offered by any such third party providers.
Certified Financial Planner Board Of Standards
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements. Simon Brady's CFP® profile
Anglia Advisors has contracted with CS2 Compliance for regulatory compliance services.