Privacy Policy

Taylor Financial respects your privacy and is committed to protecting the confidentiality and security of the personal information you entrust to us. This Privacy Policy describes how we collect, use, share, and safeguard information about our clients and prospective clients in connection with the financial planning, investment advisory, and insurance services we provide.

This policy applies to information we collect through our website, in person at our offices, by telephone, by email, through electronic forms, and through interactions with our affiliated broker-dealer and custodians.

Information we collect

In the course of providing financial planning and advisory services, we collect non-public personal information that you provide directly to us, including:

• Identifying information such as name, address, telephone number, email address, date of birth, Social Security number, government-issued identification, and employment information.
• Financial information such as account balances, income, net worth, insurance coverage, investment objectives, risk tolerance, retirement plans, beneficiary designations, and tax information.
• Family and beneficiary information such as spouse, children, and other persons relevant to estate planning or beneficiary designations.
• Transaction and account information from broker-dealers, custodians, insurance companies, banks, and other financial institutions with which you maintain accounts.
• Information from forms and applications you complete with us or with companies we work with on your behalf.

When you visit this website, we may automatically collect limited technical information such as your IP address, browser type, device type, pages visited, and the date and time of your visit. We use cookies and similar technologies to operate the website and analyze general traffic patterns. You may disable cookies in your browser settings, though some features of the site may not function correctly if you do.

How we use your information

We use your personal information to provide the services you have engaged us to perform, including:

• Preparing financial plans, investment recommendations, and insurance recommendations.
• Opening and servicing accounts with broker-dealers, custodians, and insurance carriers.
• Communicating with you about your account, our services, market events, and matters relevant to your financial situation.
• Complying with applicable laws, regulations, and reporting requirements imposed on us as a registered firm.
• Detecting and preventing fraud, unauthorized access, and other unlawful activity.

How we share your information

We do not sell your personal information. We share information only as necessary to provide our services and as permitted or required by law. The categories of third parties with whom we share information include:

• Affiliated broker-dealer. Securities and investment advisory services are offered through qualified representatives of MML Investors Services, LLC, Member SIPC. Information necessary to maintain your accounts is shared with MML Investors Services and its affiliates.
• Custodians and clearing firms that hold your assets and execute transactions on your behalf.
• Insurance carriers in connection with insurance applications, policies, and claims.
• Service providers who perform functions on our behalf — such as financial planning software, customer relationship management, document storage, e-signature, and secure communication. These providers are bound by confidentiality obligations and may use information only as necessary to perform services for us.
• Regulatory and law enforcement authorities when required by law, subpoena, court order, or to protect the rights, safety, or property of Taylor Financial, our clients, or others.
• Other persons you authorize in writing, such as a spouse, attorney, accountant, or other professional you have asked us to coordinate with.

We do not disclose your non-public personal information to non-affiliated third parties for their own marketing purposes.

How we protect your information

We maintain physical, electronic, and procedural safeguards designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Access to your information is restricted to employees, contractors, and authorized representatives who need it to perform their job duties. Our personnel are trained on the proper handling of client information and are required to maintain its confidentiality.

Despite these measures, no method of transmission over the Internet or electronic storage is completely secure. We cannot guarantee absolute security, and we encourage you to use caution when transmitting sensitive information electronically. We recommend that clients use the secure portals we provide rather than ordinary email for sending account numbers, Social Security numbers, or other sensitive material.

Retention of information

We retain your personal information for as long as you maintain a relationship with us and for the period thereafter required by applicable laws, regulations, and our internal records-retention policies. Investment advisory firms are generally required to retain certain client records for at least five years following the end of the fiscal year in which the records were created. Some records are retained longer.

Your rights and choices

You may at any time request:

• A copy of the personal information we maintain about you.
• Correction of inaccurate or incomplete information.
• An update to your communication preferences.
• That we no longer share your information with non-affiliated third parties for marketing purposes (although as noted above, we do not currently engage in such sharing).

To make a request, contact us using the information at the bottom of this page. Some requests may require us to verify your identity before we can act on them. Certain information is necessary for us to perform our services or comply with regulatory obligations and cannot be deleted while you remain a client.

Former clients

If your relationship with Taylor Financial ends, we will continue to follow the privacy practices described in this notice with respect to information we retain. Information that we are no longer required to retain will be securely destroyed in accordance with our records-retention policies.

Children's privacy

This website is not directed to children under the age of 13, and we do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us so we can delete it.

Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. The date at the top of this page reflects the most recent revision. We encourage you to review this policy periodically. Material changes will be communicated to active clients in accordance with applicable regulations.

Contact us

If you have questions about this Privacy Policy or about how your information is being handled, please contact us at the address above. For complaints or concerns we cannot resolve, you may also contact MML Investors Services, LLC, our affiliated broker-dealer, or the regulatory authorities referenced in our Disclosures.