Does SCA invest in financial products recommended to their clients?
At times, the principles and affiliated persons of SCA may invest in products recommended to the client. With respect to our personal investment accounts, we make every attempt to trade in such a way as to give every advantage to our clients before our own interests. Such cautions include, but are not limited to, placing personal “buy” and/or “sell” orders after those of our clients. Furthermore the Advisor maintains personal transaction records, strictly enforces all rules and regulations of the Investment Advisors Act of 1940, and does not permit insider trading. • If you use SCA to develop a Financial Planning Program, are you obligated to purchase the recommended products? Absolutely not. In reality, however, if a client agrees with our planning recommendations, they will generally implement their investment objectives through their Advisor. As a fee-only firm Advisor does not sell products such as life insurance or long-term care insurance, though SCA does advise clients regarding
