Why does FBG collect client information?

We gather information about you so that we can help design and implement the investment and financial planning related services we provide you, and comply with the Federal and State laws and regulations that govern us.

What information does FBG collect and maintain?

We may collect the following types of nonpublic personal information about you: Information from our initial meeting or subsequent consultations about your identity, such as your name, address, social security number, date of birth, and financial information; Information that we generate to service your financial needs; and Information that we may receive from third parties in connection with the services we provide you.

Fiduciary benefits group

Disclosures

Q: What is FBG's Privacy Policy?

Fiduciary Benefits Group recognizes that our relationships with current and prospective clients are based on integrity and trust. We work hard to maintain your privacy and to preserve the private nature of our relationship with you. We place the highest value on the information you share with us. FBG will not disclose your personal information to anyone unless it is required by law or at your direction. We will not sell your personal information.

Q: What is the CERTIFIED FINANCIAL PLANNER (CFP) designation?

The CFP designation is issued by the CERTIFIED FINANCIAL PLANNER Board of Standards, Inc. and is a voluntary certification recognized by the United States and other countries for its high standard of professional education, stringent code of conduct and standards of practice and ethical requirements governing professional engagements with clients. A candidate for designation must first obtain a bachelor's degree from an accredited college or university with courses that included financial planning subject areas. Candidates must also have at least 3 years of full-time personal financial planning experience, measured as 2,000 hours per year. CFP candidates must pass a 2-day comprehensive examination designed to test their ability to correctly diagnose financial planning issues and apply their knowledge to real world circumstances. Anyone earning designation as a CFP must complete 30 hours of continuing education every two years.

Disclosure Information

Fiduciary Benefits Group, Inc. ("FBG") is an SEC registered investment advisor offering retirement consulting, investment advisory, and asset management services. Registration does not imply a certain level of skill or training.

All written content on this site is for information purposes only and is limited to the dissemination of general information about FBG's diversified services. Opinions expressed herein are solely those of FBG, unless otherwise specifically cited. All statements are current as of the date written and do not constitute an offer or solicitation to any person in any jurisdiction in which such offer or solicitation is not authorized, or to any person to whom it would be unlawful to make such offer or solicitation. Accordingly, the publication of this website should not be construed by any consumer and/or prospective client as a solicitation to effect, or attempt to effect, transactions in securities or the rendering of personalized investment or tax advice for compensation, over the Internet.

Material presented is believed to be from reliable sources and no representations are made by our firm as to other parties' informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel before implementation.

Privacy Policy

Fiduciary Benefits Group (“FBG”) recognizes that our relationships with current and prospective clients are based on integrity and trust. We work hard to maintain your privacy and to preserve the private nature of our relationship with you. We place the highest value on the information you share with us. FBG will not disclose your personal information to anyone unless it is required by law or at your direction. We will not sell your personal information.

We want our clients to understand what information we collect, how we use it, and how we protect your personal information.

Why We Collect Your Information

We gather information about you so that we can:

Help design and implement the investment and financial planning related services we provide you; and
Comply with the Federal and State laws and regulations that govern us.

What Information We Collect and Maintain

We may collect the following types of “nonpublic personal information” (“NPI”) about you:

Information from our initial meeting or subsequent consultations about your identity, such as your name, address, social security number, date of birth, and financial information;
Information that we generate to service your financial needs; and
Information that we may receive from third parties in connection with the services we provide you.

What Information We Disclose

We are permitted by law to disclose nonpublic information about you to unaffiliated third parties in certain circumstances. FBG may disclose client's NPI: (1) to individuals and/or entities not affiliated with FBG, including, but not limited to third-parties that assist in the supervision or management of your account(s) (i.e., sub-advisers, account custodian, record keeper, attorney, etc.); (2) to service providers contracted by us in order for us to perform the duties in furtherance of the client's engagement with FBG (i.e. client management systems, archiving technology vendors, cloud service providers, etc.); (3) to your authorized representative or power of attorney; (4) when we receive your prior consent; (5) in connection with a proposed or actual sale, merger, or transfer of all or a portion of our business; and (6) as otherwise permitted to do so in accordance with the parameters of applicable federal and/or state privacy regulations.

In the event that FBG has a change to its client privacy policy that would allow it to disclose non-public information not covered under applicable law, FBG will allow its clients the opportunity to opt-out of such disclosure.

How We Protect Your Personal Information

Privacy has always been important to FBG. We restrict and limit access to client information only to those who need to carry out their business functions. We safeguard client information by preventing its unauthorized access, disclosure, or use. We maintain physical, electronic, and procedural safeguards to protect your confidential personal information. Arrangements with companies or independent contractors not affiliated with FBG will be subject to confidentiality agreements and/or Privacy Policy.

Former Clients

Even if we cease to provide you with financial services, our Privacy Policy will continue to apply to you, and we will continue to treat your nonpublic information with strict confidentiality. We maintain all records regarding all former clients for the retention period required by law.

Contact Us

Clients are encouraged to discuss any questions regarding privacy policies and procedures directly with Damian Dufour, Chief Compliance Officer of FBG. Please contact Damian Dufour at (951) 212-8747

Certifications and Affiliations

Accredited Investment Fiduciary® (AIF®)

The AIF designation represents a thorough knowledge of and ability to apply the fiduciary Practices. Through fi360’s AIF Training programs, AIF designees learn the Practices and the legal and best practice framework they are built upon. AIF designees have a reputation in the industry for the ability to implement a prudent process into their own investment practices as well as being able to assist others in implementing proper policies and procedures.

CERTIFIED FINANCIAL PLANNER™ (CFP®)

The CFP® designation is issued by the CERTIFIED FINANCIAL PLANNER Board of Standards, Inc. and is a voluntary certification recognized by the United States and other countries for its (1) high standard of professional education, (2) stringent code of conduct and standards of practice and (3) ethical requirements governing professional engagements with clients. A candidate for designation must first obtain a bachelor’s degree from an accredited college or university with courses that included financial planning subject areas (e.g. insurance planning, risk management, employee benefits planning, investment planning, income tax planning, retirement planning and estate planning). Candidates must also have at least 3 years of full-time personal financial planning experience, measured as 2,000 hours per year. CFP® candidates must pass a 2-day comprehensive examination designed to test their ability to correctly diagnose financial planning issues and apply their knowledge to real world circumstances. Candidates must also agree to be bound by the CERTIFIED FINANCIAL PLANNER Board’s Standards of Professional Conduct. Anyone earning designation as a CFP® must complete 30 hours of continuing education every two years and renew the agreement to be bound by the Standards of Professional Conduct.

The Chartered Financial Consultant® (ChFC®)

A ChFC has taken eight or more college-level courses on all aspects of financial planning from The American College. Those who earn the designation are understood to be knowledgeable in financial matters and to have the ability to provide sound advice. The average study time for the program is over 400 hours, and advisors frequently spend years earning this distinction. Each ChFC® must also complete a minimum of 30 hours of continuing education every two years and must meet extensive experience requirements. In order to be considered for the program, the applicant must already have a minimum of three years working in the financial industry. In addition, it is recommended that applicants have a degree related to finance or business before applying. The authority to use the ChFC® mark is granted by the Certification Committee of the Board of Trustees of The American College, and that privilege is contingent on adherence to strict ethical guidelines. All ChFC® advisors are required to do the same for clients that they would do for themselves in similar circumstances, the standard of ethical behavior most beneficial for their clients.

The CHARTERED RETIREMENT PLANS SPECIALIST™ (CRPS®)

The CRPS is a professional designation awarded by the College for Financial Planning to financial professionals who successfully complete a self-study program, pass an exam and agree to comply with a code of ethics. The CRPS program covers the types and characteristics of retirement plans, including IRAs, small business retirement plans, defined contribution plans, nonprofit plans, 401(k) and 403(b) plans, and government plans. It also covers plan distributions, plan design and implementation, plan establishment and operation, and fiduciary issues. Every two years, CRPS professionals must complete 16 hours of continuing education and pay a fee to continue using the designation.

The National Association of Personal Financial Advisors (NAPFA)

The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve. Our rich history began in 1983 when a group of advisors simply wanted to serve their clients without muddling the relationship with commissions. Since then we have developed high standards in the field and each advisor must sign and renew a Fiduciary Oath yearly and subscribe to our Code of Ethics. It's all a part of the mission of NAPFA. The association provides support and education for more than 4,600 practitioners all over the country and is governed by the NAPFA Board of Directors and supported by our four Region Boards.

NAPFA members live by three important values:

To be the beacon for independent, objective financial advice for individuals and families.
To be the champion of financial services delivered in the public interest.
To be the standard bearer for the emerging profession of financial planning.

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