We would like to take this opportunity to remind you of The Practical Investor’s privacy policies and procedures relating to the nonpublic personal information we obtain from our prospective and current clients in the course of conducting business. We at The Practical Investor value your trust and confidence and carefully handle information we possess. This information generally will include:

• Information provided from applications, forms and other information provided to us either verbally or in writing, and include but are not limited to your name, address, phone number, account information, social security number, employment, assets, income and debt;
  
  
• Information about your transactions, accounts, trading activity and parties to transactions;
  
  
• Information from other outside sources;
  
  
• Any other information that is deemed to be nonpublic personal information as defined by the Federal Gramm-Leach-Bliley Act and by the Securities and Exchange Commission’s Privacy Act, "Regulation S-P", to which most state-regulated Investment Advisory Firms defer.
  
  

We do not share or offer for sale our Clients’ nonpublic personal information with any other person or entity without your expressed direction or when required by law or regulation. Further, our internal procedures for handling your personal information consists of restricted access to records; Only those persons who have a need to obtain information in order to deliver advisory or administrative services will have access to client files. Additionally, our office is secured during non-business hours. If you should have any questions or concerns regarding our privacy policy and procedures, please do not hesitate to contact me directly.

Anthony M. Cherniawski, CLU, ChFC
President, CIO
The Practical Investor, LLC