Compliance

Investment Adviser Registration:

• SEC Registered Investment Adviser (RIA)
• Registration Number: Available upon request
• Assets Under Management: Reported to SEC quarterly
• Public Disclosure: Available on SEC IAPD website
• Regular SEC examinations and audits

We operate under multiple regulatory frameworks:

• Securities Act of 1933: Registration and disclosure requirements
• Securities Exchange Act of 1934: Anti-fraud and market regulations
• Investment Advisers Act of 1940: Fiduciary duties and compliance standards
• Bank Secrecy Act (BSA): Anti-money laundering requirements
• USA PATRIOT Act: Customer identification and verification
• State Securities Laws: Additional state-level compliance requirements

Our comprehensive compliance program includes:

• Chief Compliance Officer (CCO): Dedicated compliance leadership
• Written Policies & Procedures: Documented compliance framework
• Annual Review: Regular compliance program assessment
• Employee Training: Ongoing compliance education
• Testing & Monitoring: Continuous compliance verification
• Reporting Systems: Whistleblower and incident reporting

Our AML program includes:

• Customer Identification Program (CIP)
• Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
• Suspicious Activity Reporting (SAR)
• Transaction monitoring and screening
• OFAC sanctions list screening
• Periodic risk assessments

SEC-mandated cybersecurity compliance:

• Cybersecurity risk assessment programs
• Incident response and recovery plans
• Vendor risk management protocols
• Data encryption and access controls
• Regular penetration testing and vulnerability assessments
• Business continuity and disaster recovery planning

Client asset protection through:

• Qualified Custodians: FDIC-insured banking institutions
• Segregated Accounts: Client assets held separately from firm assets
• Regular Audits: Independent custody verification
• Insurance Coverage: Professional liability and cyber insurance
• Regulatory Exams: SEC custody rule examinations

Our fiduciary obligations include:

• Duty of Loyalty: No conflicts of interest, full disclosure
• Duty of Care: Prudent investment practices
• Best Execution: Optimal terms for client transactions
• Fee Transparency: Clear disclosure of all costs
• Performance Reporting: Accurate and timely reporting

Our regulatory licenses include:

• SEC Investment Adviser Registration
• State Securities Registrations (where required)
• FinCEN Registration (Money Services Business)
• Professional Liability Insurance
• Business Licenses in operating jurisdictions

Regular regulatory reporting includes:

• Form ADV (Annual and amendments)
• Quarterly regulatory filings
• Custody rule reporting
• Advertising compliance reviews
• Form PF reporting (if applicable)
• SEC examination responses

Commitment to industry best practices:

• CFA Institute Code of Ethics and Standards
• FINRA rules and regulations
• Industry association memberships
• Continuing professional education
• Peer review and benchmarking