This notice contains important information regarding your account with Complete Wealth Management, LLC. Please read it carefully and contact your Complete Wealth Management, LLC Registered Representative with any questions.
You will find information on the following items on this page:
- FINRA BrokerCheck
- Investment Objective Definitions
- Business Continuity Plan
- Customer Identification
- Questions, Inquiries, Complaints
In accordance with the Financial Industry Regulatory Authority, Inc., Conduct Rule 2280, Investor Education and Protection, we are providing our clients with the following information.
The FINRA BrokerCheck Hotline telephone number is 800-289-9999.
The FINRA Website address is www.finra.org.
For a copy of a brochure that includes important information concerning FINRA BrokerCheck, call the FINRA BrokerCheck Hotline or visit the FINRA Website.
INVESTMENT OBJECTIVE DEFINITIONS
Income: An investment objective of Income indicates you seek to generate income from investments and are interested in investments that have historically demonstrated a low degree of risk of loss of principal value. Some examples of typical investments might include high quality; short and medium term fixed income products, short-term bond funds and covered call options.
Capital Appreciation/Growth: An investment objective of Capital Appreciation indicates you seek to grow principal value of your investments over time and are willing to invest in securities that have historically demonstrated a moderate to above average degree of risk of loss of principal value to pursue this objective. Some examples of typical investments might include common stocks, lower quality, medium-term fixed income products, equity mutual funds and index funds.
Speculation: An investment objective of Speculation indicates you seek a significant increase in the principal value of your investments and are willing to accept a corresponding greater degree of risk by investing in securities that have historically demonstrated a high degree of risk of loss of principal value to pursue this objective. Some examples of typical investments might include lower quality, long-tern fixed income products, initial public offerings, volatile or low priced common stocks, the purchase or sale of put or call options, spreads, straddles and/or combinations on equities or indexes, and the use of short-term or day trading strategies.
Trading Profits: An investment objective of Trading Profits indicates you seek to take advantage of short-term trading opportunities, which may involve establishing and liquidating positions quickly. Some examples of typical investments might include short-term purchases and sales of volatile or low priced common stocks, put or call options, spreads, straddles and/or combinations on equities or indexes. This is a high-risk strategy.
Preservation of Capital: An investment objective of Preservation of Capital indicates you seek to maintain the principal value of your investments and are interested in investments that have historically demonstrated a very low degree of risk of loss of principal value. Some examples of typical investments might include money market funds and high quality, short-term fixed income products.
Complete Wealth Management, LLC, values you as a customer and takes your personal privacy seriously. We are committed to maintaining the confidentiality, integrity, and security of your personal information. When you provide personal information, please be aware of our policies to protect the confidentiality of that information. We will inform you of our policies for collecting, using, securing, and sharing nonpublic personal information the first time we do business, and every calendar year that you are our customer.
We collect and use information that is necessary to open your account, process your transactions, advise you about our products and services, and provide you with full customer service. We may collect and maintain several types of information needed for these purposes from the following sources:
- Information we receive from you on applications or other forms; and
- Information about your transactions with our affiliates, others, or us.
It is our policy to assure that the information we have about our customers is accurate. That information is highly confidential and is only made available to persons who have a need for the information to properly service a customer’s account, act upon a customer’s request, or to fulfill that person’s job responsibility within our company. We restrict access to nonpublic personal information about you to those employees with a legitimate business need for the information. We maintain physical, electronic, and procedural safeguards that comply with federal standards and standard industry practices to guard your nonpublic personal information.
There are two types of information sharing—information sharing with our affiliates, and information sharing outside Complete Wealth Management, LLC. We do not sell customer information. We do not provide customer information or account numbers to persons or organizations outside Complete Wealth Management, LLC, who are doing business on our behalf for their own marketing purposes.
We are permitted by law to share nonpublic information about you with third parties for the following purposes:
- To complete a transaction. To produce a consolidated or nonconsolidated account statement.
- To service your account. To cooperate with regulators or law enforcement authorities.
- To resolve customer disputes.
In order to perform our responsibilities as listed above, we may be required to disclose to third parties the following kinds of nonpublic personal information about you:
- Information we receive from you on applications and other forms, such as your name, address, social security number, assets, net worth, income, tax status, and
- Information about your transactions with our affiliates, others, or us such as your account size, payment history, parties to transactions, and trading frequency.
Should your Complete Wealth Management, LLC, Investment Advisor move to another brokerage firm, the Investment Advisor is permitted to retain copies of documents, in whatever form, (including electronic form), containing personal information about you so that he or she can assist with the transfer of your account and continue to serve you at their new firm. This policy is subject to the limitations of applicable state and federal law. Should your state be an “opt in” state, we will require your affirmative consent prior to this document or information retention.
Companies we engage to provide support services are required to protect, keep confidential, and to restrict the use of your nonpublic personal information. We do not disclose customer account numbers to any third parties for use telemarketing through electronic mail to the consumer.
Complete Wealth Management, LLC, may disclose nonpublic personal information about our former customers to the same extent as for our current customers.
The law permits us to share your identifying information and information about your transactions with nonaffiliated third parties for the purposes described above. We do not share your information with nonaffiliated third parties for any other reasons. Therefore, we are not providing an opt-out provision for information shared with nonaffiliated third parties.
The law permits us to share your identifying information and information about your transactions with our affiliated parties. Unless you tell us contrary, we may share other information with our affiliates, including information we receive from a consumer reporting agency. If you prefer that we not share these kinds of information with our affiliates, you may direct us not to share this information by calling us at the following number: (940) 382-9300.
BUSINESS CONTINUITY PLAN
To help ensure continuity of service and support of our clients, and the health and safety of our associates, Complete Wealth Management, LLC, has a business continuity plan in place that addresses disaster preparedness response, recovery, and restoration. The plan may be invoked in whole or in part depending on the severity of the incident and the functional areas affected. The plan in multitiered and identifies the steps necessary to respond to any type of disaster, including if our facilities should become inaccessible for long or short periods of time. If this were to happen, steps necessary to resume business and recover necessary client information have been identified. It is the firm’s intention to continue business during any foreseeable disruptive event, and to provide client prompt access to their funds and securities.
Complete Wealth Management, LLC’s business continuity plan is tested on an annual basis. To view a summary of Complete Wealth Management, LLC’s Business Continuity Plan, please visit our website at www.completefgwealth.com.
CUSTOMER IDENTIFICATION NOTIFICATION
Important Information About Procedures for Opening a New Account
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means is that 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.
Reliance on Another Financial Institution for Identity Verification
We may rely on the performance by another financial institution (including an affiliate) of some or all of the elements of our customer identification program. We may rely on another financial institution under the following circumstances:
- When the reliance is reasonable under the circumstances;
- When the other financial institution is subject to a rule implementing the anti-money laundering compliance program requirements of 31 U.S.C. 5318(h), and is regulated by a Federal functional regulator; and
- When the other financial institution has entered into a contract with our firm requiring it to certify annually to use that it has implemented its anti-money laundering program, and that it will perform (or its agent will perform) specified requirements of the customer identification program.
SECURITIES INVESTOR PROTECTION CORPORATION (SIPC®)
In accordance with the Financial Industry Regulatory Authority, Inc., Conduct Rule 2342, regarding SIPC information, please know that you may contact SIPC for additional information at (202) 371-8300 or visit them on the Web at www.sipc.org.
For an informational brochure on SIPC titled “How SIPC Protects You,” please visit: http://www.sipc.org/how/brochure.cfm
QUESTIONS, INQUIRIES & COMPLAINTS
Clients should direct all written questions, inquiries, and complaints to the Branch office listed on their account statement. Clients may also contact the Complete Wealth Management, LLC, home office directly by telephone at (940) 382-9300, or in writing at
Complete Wealth Management, LLC
Attn: Client Services
1808 Cornell Lane, Suite 140
Denton, TX 76201