Confidentiality

The information contained in this section will also be disclosed in Wealth Management Associates, Inc.’s Privacy Policy Statement. This statement will be provided to all clients in accordance with the rules and regulations of the Gramm-Leach-Bliley Act of 1999.

As an investment advisor, Wealth Management Associates, Inc. and its investment advisor representatives will gather and develop personal information regarding clients. This information will be gathered and developed by the firm for the following purposes:

· To determine the client’s financial goals and objectives

· To determine the level of advisory services needed and desired by the client

· To provide the client with specific recommendations regarding advisory services

· To provide the client with specific recommendations regarding financial products

· To provide ongoing support and recommendations regarding financial products held in the client’s account

Client information that Wealth Management Associates, Inc. may collect could include, but not be limited to, the following:

1. Information received from clients on financial inventories through consultations with the firm’s representatives. This information may include personal and household information such as income, spending habits, investment objectives, financial goals, statements of account and other records concerning the clients’ financial conditions and assets, together with information concerning employee benefits and retirement plan interests, wills, trusts, mortgages and tax returns.

2. Information developed as part of financial plans, analyses or investment advisory services.

3. Information concerning investment advisory account transactions, such as wrap account transactions.

4. Information about clients’ financial products and services transactions with Wealth Management Associates, Inc.

The investment advisor representatives of Wealth Management Associates, Inc. are also registered representatives of SAI. Wealth Management Associates, Inc. may also have relationships with other non-affiliated investment advisors, such as SAA, insurance companies, trust companies, custodians and other financial institution entities. Except as otherwise agreed in writing or as required or permitted by law, Wealth Management Associates, Inc.and its investment advisor representatives will keep confidential all information concerning the client’s identity, financial affairs or investments and will not share confidential information with non-affiliated third parties. In the unlikely event that Wealth Management Associates, Inc. were to make a change to this fundamental policy to permit additional disclosures of the client’s confidential information, Wealth Management Associates, Inc. would provide all clients written notice. This written notice would include the ability for the client to permit or deny disclosure.

Access to client information will be restricted to representatives and employees of Wealth Management Associates, Inc. who need information to perform their job responsibilities within Wealth Management Associates, Inc. Wealth Management Associates, Inc. maintains agreements, as well as physical, electronic and procedural securities measures that comply with federal regulations to safeguard customer information.

In order for Wealth Management Associates, Inc. to administer, manage and service client accounts, process transactions and provide related services to client accounts, it is necessary for Wealth Management Associates, Inc. to provide access to client information within the firm and to non-affiliated companies, such as SAI and other investment advisors, other broker/dealers, trust companies, custodians and insurance companies. Wealth Management Associates, Inc. may also provide client information outside of the firm as permitted by law, such as government entities, consumer reporting agencies or other third parties in response to subpoenas. The firm does not disclose client information to non-affiliated third parties except as permitted or required by law.

When a client account is closed, Wealth Management Associates, Inc. will continue to keep all client information confidential in accordance with the principles stated in its Privacy Policy.

A copy of the Privacy Policy will be delivered to all clients in writing by at least one of the following methods:

· By hand delivering a copy to the client

· Mailing a copy to the client’s address on record with Wealth Management Associates, Inc.

· If business is conducted electronically, a notice may be posted on an electronic site as long as the client acknowledges receipt of the Privacy Policy prior to the client obtaining any services or products from Wealth Management Associates, Inc.

A copy of the Privacy Policy will be provided to the client no later than the time a client establishes a relationship with Wealth Management Associates, Inc., unless this situation would cause a delay in the client obtaining services and the client agrees to accept the notice at a later date. When this situation applies, a copy of the Privacy Policy will be delivered to the client within a reasonable time period following the transaction.

Any time a change is made to the firm’s Privacy Policy; notice to clients will be revised. The revised notice will be given to all affected clients prior to any disclosure of information. In addition, Wealth Management Associates, Inc. will provide a copy of the Privacy Policy to all current and existing clients at least annually.