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Client Bill of Rights

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The Rights of Our Clients - Objectively Compare Us With Others

Cypress Advisory Services Ltd., LLP has prepared the following “Investor Bill of Rights” for all future private and institutional clients who choose to utilize our services. This Bill of Rights is designed to be a useful guide for an investor to compare our range of wealth management services, company structure and reporting capabilities to those of any other wealth manager you might consider.

 
Wealth Management Discipline
CAS
Other
You have the right to have your estate distribution reviewed annually.
X
 
You have the right to have your company benefits reviewed and recommendations made annually.
X
 
You have the right to have your wealth manager conduct annual tax planning conference calls with your CPA to save you money.
X
 
You have the right to have an unbiased review of your life and disability insurance coverage and cost.
X
 
You have the right to have your property and casualty insurance reviewed for cost and gaps.
X
 
You have the right to have a buy sell agreement put into place for your business and funded as necessary.
X
 
You have the right to have your business transitioned for sale or retirement.
X
 
You have the right to work with a, or a team of, CERTIFIED FINANCIAL PLANNERS™ (CFP®) who should also have other professional credentials.
X
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Reporting Capabilities
CAS
Other
You have the right to a quarterly statement that is accurate and understandable.
X
 
You have the right to a quarterly performance statement that shows the performance for your portfolio over multiple periods of time.
X
 
You have the right to a quarterly performance statement that shows your returns net of all fees.
X
 
You have the right to meet at least 3 times a year with your wealth manager.
X
 
You have the right to receive an annual management fee summary.
X
 
You have the right to receive periodic email updates reviewing current market conditions, portfolio allocation, and economic data.
X
 
You have the right to receive quarterly newsletters with high quality information.
X
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Company Structure
CAS
Other
You have the right to be treated fairly, ethically and in a respectful manner in all interactions with the firm, its employees and affiliates.
X
 
You have the right to receive the services of a wealth management firm whose recommendations are made in an independent and objective manner.
X
 
You have the right to work with a firm that is compensated solely by the wealth management fees charged to its clients and that is no way compensated by commission.
X
 
You have the right to terminate your relationship with our firm at any point in time with no surrender penalties and with no exit fees.
X
 
You have the right to work with a wealth management firm that does not make a market in securities of any kind.
X
 
You have the right to work with a wealth management firm that does not accept “soft dollars,” that does not participate in hidden compensation agreements with mutual fund families, and that is not compensated by underwriting fees.
X
 
You have the right to a wealth management firm that is not owned by a bank, a broker, an insurance company, an accounting firm or any other financial institution.
X

 

You have the right to have your wealth management firm acknowledge that they are serving as a fiduciary at ALL times in the relationship (see Fiduciary oath).
X

 

You have the right to a wealth management firm whose investment management decisions are made locally.
X

 

You have the right to know the complete regulatory history of the wealth management firm with which you work, including all filings and any regulatory action taken against it.
X
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Investment Management Discipline
CAS
Other
You have the right to utilize a wealth management discipline that prepares for both cooperative and uncooperative markets.
X
 
You have a right to know the complete history of the model portfolio you are invested in, including both the best and worst portfolio performance history for any period of time.
X
 
You have the right to know how much risk your portfolio is being exposed to at any time.
X
 
You have the right to utilize institutional style securities that are either not available to retail investors or are significantly cheaper than the retail version.
X
 
You have the right to receive responsible investment recommendations based on your personal objectives, time horizon, risk tolerance and other factors as disclosed by you.
X
 
You have the right to utilize a wealth management discipline that is diversified by asset class and by investment style.
X
 
You have the right to know the current asset allocation of your portfolio at any time.
X

 

You have the right to participate in a full-time, professional investment risk management program.
X

 

You have the right to have your whole portfolio managed by one firm; including “held away” 401ks.
X

 

You have the right to have asset location considered for tax purposes.
X
 
You have the right to know how many other investors are utilizing the same model portfolio as you (including the same securities, the same asset allocation and the same wealth management discipline).
X
 
You have a right to utilize a wealth management discipline that has a proven track record of managing risks during uncooperative markets.
X
 
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