Important Information About Your West Coast Financial Wealth Management, LLC, (WCFWM), And West Coast Financial Insurance Services Relationship.
 
Privacy Policy
 
We take your privacy very seriously. We share a commitment to protect your privacy and the confidentiality of your personal and financial information. 
 
As providers of products and services that involve compiling personal – and sometimes, sensitive – information, protecting the confidentiality of that information has been, and will continue to be a top priority. Whether you are a current customer, former customer, or potential customer, we believe that you should know about the information we collect, the measures we take to safeguard it, and the situations in which we might share information with select business partners.  
 
1. We collect only the customer information necessary to consistently deliver responsive products and services.
 
West Coast Financial collects information that helps serve your financial needs; provide high standards of customer service; develop and offer new products or services for our customers; and fulfill legal and regulatory requirements. The information collected generally varies depending on the products and services you request and may include:
 
· Information provided in personal interviews or on applications and related forms, for example, name, address, Social Security number and annual income.
· Responses from your employer benefit plan sponsor, or association regarding any group products we may provide, for example, name, age, address and social security number.
· Third-party reports, such as consumer credit history, motor vehicle records, demographic, and/or medical information, if relevant to your product or service.
· Information about your relationships with us, such as products or services purchased, and account balances (if applicable), which we may obtain in writing, by telephone.
 
2. We maintain safeguards to ensure information security.
 
· We have implemented security standards and processes – including physical, electronic and procedural safeguards – to ensure that access to customer information is limited to Joseph Karni and supervised employees only.  Employees are required to respect the confidentiality of all customer information.
 
 
3. We limit how, and with whom, we share customer information.
 
· First and foremost, we do not sell lists of our customers, nor do we disclose customer information to marketing companies, with the exception of companies we may hire to provide specific services for us, as described below.
 
· Under no circumstances do we share medical information for marketing purposes.
 
· We will share customer information only for the following reasons:
 
· When it is necessary to disclose limited information to third parties to effect, administer, or enforce a transaction that you request or authorize – for example, when we provide information we collect to investment companies, insurance companies, or other product sponsors from whom you wish to purchase products from, and non financial companies such as consumer reporting agencies, software developers or consulting firms. These companies are contractually obligated to keep your information confidential and use the information only for the services required or as allowed by applicable law.
 
· We may be required by law or regulation to disclose information to third parties – for example, in response to a subpoena; to prevent fraud; and to comply with rules of, or inquiries from, industry regulators.
 
· Furthermore, as permitted by federal and state laws, we may share or exchange information with companies engaged to work with us.
 
 
  
Account Agreement Disclosures
 
West Coast Financial Wealth Management, LLC. (WCFWM) (and West Coast Financial and Insurance Services)  through your Investment Advisor representative, makes a wide variety of ETF, mutual funds and variable products, life and annuities, available to you. You pay either a sales charge when you purchase your investments (such as when you purchase class A shares of a mutual fund), or the sales charge may be charged to you when you sell and/or built into the expense of the product (such as for Class B or C shares of a mutual fund). WCWM is paid commission by the product issuer or its affiliates, and part of that commission payment goes to your Investment Advisor Representative. Your sales charges and expenses, and the sales commissions paid to us and our representatives differ from investment to investment, and may depend on the amount of money you invest.   
 
For information regarding Securities Investor Protection Corporation (SIPC) including obtaining a brochure, please call (202) 371-8300 or visit the website at www.sipc.org. For information regarding Municipal Securities Rulemaking Board (MSRB), please call (703) 797-6600 or visit the website at www.msrb.org. For information regarding National Association of Securities Dealers (now Financial Industry Regulatory Authority (FINRA)), please call (301) 590-6500 or visit the website at www.FINRA.org. For information regarding Securities Exchange Commission (SEC), please call (202) 942-8088 or visit the website at www.sec.gov.
 
 
Anti-Money Laundering/Client Identity Program Summary Important Information About Procedures For Opening A New Account
 
To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
 
A corporation, partnership, trust or other legal entity may need to provide other information, such as its principal place of business, local office, employer identification number, certified articles of incorporation, partnership or trust agreement.
 
U.S Department of the Treasury, Securities and Exchange Commission, FINRA, and New York Stock Exchange rules already require you to provide most of this information. These rules may also require you to provide additional information, such as your net worth, annual income, occupation, employment information, investment experience and objectives, and risk tolerance.
 
If your identity cannot be established, our Firm will not be able to open an account or carry out transactions for you.   If you would like to receive the complete Anti-Money Laundering/Client Identity Program Procedures, please email us at joseph@wcfwealth.com, or call us at 510-869-9990.