Note: This website is property of and owned and operated by Highland Capital Financial Consulting, LLC
Insurance Services offered through our DBA: Individual Insurance Solutions, LLC California Insurance License #0G11165
Services of Highland Capital Financial Consulting, LLC are non-securities in nature.
Financial planning is not a regulated practice and it is up to the consumer to fully understand which areas of their financial life that a particular planner can—and cannot—help with before you hire that person.
-per FINRA; http://www.finra.org/investors/financial-planners
Wealth management is a high-level professional service that combines multi-disciplinary areas of financial advice, accounting/tax services, retirement planning and legal/estate planning. Clients work with a single wealth manager who coordinates input from financial experts and can include coordinating advice from the client's own attorney, accountants and insurance agent and other licensed professionals.
We are committed to maintaining the trust and confidence of our clients. We want you to understand how we protect your privacy when we collect and use information about you, and the measures we take to safeguard that information. Keeping customer information secure and private is a priority for us.
In the course of providing service to you, we collect nonpublic personal information about you from the following sources:
Information from you on account applications and other standard forms (for example, name, address, social security number, assets, types and amounts of investments, transactions, and income); Information about your HSA transactions, our affiliates or others including those companies that work closely with us to provide you with diverse financial products and services (for example, your account balance, payment history, parties to transactions, types and amounts of investments, transactions, and credit card usage); Information obtained when verifying the information you provide on applications or other forms.
Keeping your information secure is one of our most important responsibilities. We restrict access to nonpublic personal information about you to those employees and agents who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
We do not sell, share or disclose your non-public personal information to non-affiliated third party marketing companies. We may disclose all of the information we collect, as described above to companies that perform marketing or other services on our behalf, or to other financial institutions with whom we have joint marketing agreements. All of these companies are contractually obligated to keep the information that we provide to them confidential and use the information only for the services required and as allowed by applicable law or regulation, and are not permitted to share or use the information for any other purpose.
We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, to conduct our operations, to follow your instructions as you authorize, or to protect the security of our financial records.
In the course of providing services to you, we are permitted by law to share within our family of affiliated companies information about our transactions or experiences with you (such as account balance or payment history).
If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.
We reserve the right to change this policy at any time and you will be notified if any changes occur.
"Five star Professionals, an independent company screens award candidates against ten objective criteria. Receipt of the award is not indicative of investment performance. For more information please visit www.fivestarprofessional.com. The Million Dollar RoundTable (MDRT) is an independent association. Membership is based on production and does not qualify a financial professional to provide investment recommendations or advice.
IRS CIRCULAR 230 DISCLOSURE: "Pursuant to recently-enacted U.S. Treasury Department Regulations, we are now required to advise you that, unless otherwise expressly indicated, any federal tax advice contained in this communication, including attachments and enclosures, is not intended or written to be used, and may not be used, for the purpose of (i) avoiding tax-related penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any tax-related matters addressed herein."