Investor’s Bill of Rights
At H.D. Vest, we pledge to deliver to you the highest quality service and solutions. As part of our commitment to objectivity, transparency and choice, you can expect your H.D. Vest Advisor to know and understand your unique circumstances, provide a values-based financial strategy and recommend financial solutions based on your needs.
We commit to provide you with:
Quality Service
- Fair, ethical treatment in all your interactions with H.D. Vest.
- Personal and prompt attention from all of our team members.
Full, Clear Reporting
- Complete information about your transactions and the costs associated with your accounts, including commissions, sales charges, and other fees.
- Accurate and timely statements and confirmations to provide you with complete information about your account balances and transactions.
- Clear descriptions of policies and practices for protecting your private, non-public, personal information.
Responsible Investment Advice
- Solutions that are recommended based on your particular needs and objectives.
- Personalized investment advice based on your investment time horizon, risk tolerance and short- and long-term goals.
- Appropriate disclosures of any conflicts of interest between you, your Advisor, H.D. Vest or other financial service providers.
Prompt, Fair Problem Resolution
- Fair consideration and prompt response from H.D. Vest if any problem with your account ever arises.
- A clearly defined process for raising and resolving a problem.
As an investor, we ask your commitment to:
Communicate with Your Advisor
- Provide accurate information about your financial status, investment goals and risk tolerance when seeking investment advice, so that your H.D. Vest Advisor can provide you with appropriate recommendations.
- Seek out information you need or want from your H.D. Vest Advisor by proactively asking any questions you have about your account, a specific transaction, risk exposures, potential conflicts of interest, and, of course, commissions, sales charges, and other fees.
- Notify your H.D. Vest Advisor promptly whenever something in your life changes that may affect your investment objectives, risk tolerance, income, net worth, or liquidity needs.
- Review your portfolio regularly and whenever your financial circumstances change, you may want to make appropriate changes based on your investments’ performance and your current objectives.
- Tell your H.D. Vest Advisor about similar mutual fund holdings you have at other broker/dealers or directly with the mutual funds, so that your Advisor can make sure you receive any applicable “breakpoint” discount.
Inform and Educate Yourself
- Read thoroughly all sales literature, prospectuses, and/or other offering documents, when available, before making any investment.
- Consider carefully all investment risks, fees, and/or other factors explained in these documents.
- Make certain that you understand the relationship not only between your investment objectives and the risks and returns on your particular investments but also between your particular investments and your investment objectives. It is especially important to remember that every investment has some degree of risk and that it is possible to lose money – some or all – on any investment.
Keep Your Accounts Current
- Have cash or available margin-buying power in your investment account, or transfer funds into that account, to ensure payment for securities purchases by the settlement date. If you pay by check or funds transfer, always make payment directly to an H.D. Vest company, mutual fund company, Wells Fargo Investments LLC (WFI) or an insurance carrier, not to an Advisor or his/her independent company.
- Review all transaction confirmations and account statements or reports carefully and promptly to ensure that all transactions in your accounts, including deposits and withdrawals, are accurate and were effected according to your instructions. Report any errors or any questions you have to H.D. Vest directly at (866) 218-8206, x4790.
Use the Right Resources – Carefully
- Recognize the difference between securities-related business and other services available outside of H.D. Vest. The responsibilities of H.D. Vest Investment ServicesSM relate specifically to securities-related products and do not apply to any other products or services you may obtain from your Advisor. Your Advisor is an independent contractor who may offer additional products and services outside his/her relationship with H.D. Vest. For example, H.D. Vest does not provide or supervise tax, accounting, payroll or legal services.
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