Code Of Ethics

“Relativity applies to physics, not ethics” -Albert Einstein

PROFESSIONAL COMPETENCE STANDARDS

We have adopted the principles and rules for professional responsibility published by the Certified Financial Planners Board of Standards Inc. We are committed to acting in an ethical and professionally responsible manner in all of our professional services and activities. Specifically, we strive to obtain the highest degree of integrity with regard to seven core principles:

Principle 1: Integrity

In providing services with integrity, we will not solicit clients through false or misleading advertisements, nor will we engage in conduct involving dishonesty, fraud, deceit or misrepresentation. We are also committed to maintaining integrity with regard to clients’ funds of which we have custody and over which we have discretionary authority.

Principle 2 - Objectivity:

We will exercise reasonable and prudent judgment and act in the best interest of our clients.

Principle 3 - Competence:

We will keep informed of developments in our field, participate in continuing education, and only provide services which we are professionally competent to offer.

Principle 4 - Fairness:

We will strive for impartiality in providing services to our clients and will act with intellectual honesty in our business dealings. In acting as our clients’ fiduciary, we strive to act without conflict of interest, but where a conflict or potential conflict is unavoidable, we will provide written disclosure of said conflict to our clients. We will provide a full disclosure to any client upon request.

Principle 5 - Confidentiality:

Because of the nature of the advisory service relationship, we obtain sensitive information from our clients, including social security numbers, bank and brokerage account numbers. As per CFP Board standards, confidential client information will only be shared as required 1) to provide advisory services, including the establishment of a brokerage account with a third party custodian, 2) to comply with legal requirements or legal process, 3) to defend against charges of wrongdoing, or 4) in connection with a civil dispute between the firm and a client.

Principle 6 - Professionalism:

We believe financial advisors should conduct themselves in a manner that promotes public confidence in the profession. We therefore commit ourselves to behave with professionalism, dignity and courtesy to all clients, prospective clients, fellow professionals and those in related professions.

Principle 7 - Diligence:

We will act diligently in providing professional services. Services will be provided in a reasonably prompt and thorough manner.

12 BEST PRACTICES

We are committed to the fiduciary standard of care for all assets we manage for our clients and pledge to abide by the 12 best practices outlined in the Institute For The Fiduciary Standard’s Professional Code of Conduct.

Northstar Financial Planners is a fee-only investment advisor, devoted to a structured asset class investment strategy.