Important Disclosure Information from Bagby Wealth Management

IMPORTANT DISCLOSURE
Bagby Wealth Management. (“BWM”) is a Missouri registered investment advisor* (RIA) located in Dexter, Missouri. BWM and its representatives are in compliance with the current filing requirements imposed by Missouri upon registered investment advisors. It is also in compliance with the filing requirements of other states in which BWM maintains clients. Please note, registration with the State of Missouri, Kansas or any other state does not imply a certain level of training or skill. BWM may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.

For information pertaining to the registration status of BWM, please contact the state of Missouri or the SEC or the state securities regulators for those states in which BWM maintains a notice filing. A copy of BWM’s current written disclosure statement, ADV Part 2, the “brochure,” discussing BWM’s business operations, services and fees is available from BWM upon request.

OUR AFFILIATED BROKER DEALER: BAGBY FINANCIAL SERVICES
We are pleased to announce that as of September 14, 2015 we have added a securities brokerage firm to the Bagby family of companies. Our sister and affiliate company Bagby Financial Services Inc. has served as an insurance agency for years as part of our team. On September 14, 2015, Bagby Financial Services, Inc dba Bagby Financial Services added to its professional activities membership in the Financial Industry Regulatory Authority, commonly known as FINRA. This is a self-regulatory organization and membership is required before a firm can service customers as a broker dealer. We are excited about this expansion of our services.

Bagby Financial Services will offer mutual funds and variable annuities to its clients on a commission basis. As with the rare occurrence when a Bagby Wealth Management client might purchase a life insurance policy or fixed annuity with our sister company Bagby Financial Services, now the additional options include purchasing a mutual fund or variable annuity on a commission basis. However when it occurs any conflict of interest will be discussed in order to provide full transparency and discussion of all options with our clients, including making the purchase with another company or agent.

INFORMATION PROVIDED ON OUR WEBSITE
BWM’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links.

Accordingly, the publication of BWM’s web site on the Internet should not be construed by any consumer and/or prospective client as BWM’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.

Any subsequent, direct communication by BWM with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.

BWM does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to BWM web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Certain portions of BWM’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, BWM (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from BWM, or from any other investment professional. BWM is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice. See Professional Coordination/Referrals page of this website.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to BWM’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from BWM, or from any other investment professional.

INVESTMENTS/PERFORMANCE
Please remember that past performance is no guarantee of future results, and current performance may be lower or higher than the performance data quoted.

All investments involve different degrees of risk. Clients should be aware of their risk tolerance level and financial situation at all times. Clients should read all transaction confirmations, and monthly and yearly statements sent to them. In applicable programs, clients should read all prospectuses carefully before making any investment decisions.

Clients are free at all times to accept or reject any investment recommendations made by Bagby Wealth Management.

Please understand that any losses are attributed to market forces beyond the control of Bagby Wealth Management.

RANKINGS/AWARDS/RECOGNITION
Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if BWM is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of BWM by any of its clients.

Each client and prospective client agrees, as a condition precedent to his/her/its access to BWM's web site, to release and hold harmless BWM, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from BWM.

PRIVACY POLICY

Bagby Wealth Management

FACTS

WHAT DOES BAGBY WEALTH MANAGEMENT

DO WITH YOUR PERSONAL INFORMATION?

 

Why?

Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing.  Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.

 

What?

The types of personal information we collect and share depend on the product or service you have with us.  This information can include:

 

·         Social Security number

·         Income

·         Account Balance

·         Investment Experience

·         Retirement Assets

·         Employment Information

 

When you are no longer our customer, we continue to share your information as described in this notice.

 

How?

All financial companies need to share customers’ personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Bagby Wealth Management chooses to share; and whether you can limit this sharing.

 

 

 

 

 

Reasons we can share your personal information

Does Bagby Wealth Management share?

Can you limit this sharing?

 

For our everyday business purposes-

Such as to process you transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

 

For our marketing purposes-

To offer our products and services to you

Yes

No

 

For joint marketing with other financial companies

No

We do not share

 

For our affiliates’ everyday business purposes-

Information about your transactions and experiences

Yes

No

 

For our affiliates’ everyday business purposes-

Information about your creditworthiness

Yes

Yes

 

For our affiliates to market to you

Yes

Yes

 

For non-affiliates to market to you

No

We do not share

 

 

 

 

To limit our sharing

 

Questions?

Call (573) 614-4656 oco         Questions?

 

 

Call (573) 624-4771 or email:  [email protected]

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice.  When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing

 

Who we are

Who is providing this notice?

Bagby Investment Consultants LLC doing business as Bagby Wealth Management

 

What we do

How does Bagby Wealth Management protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.  We train our employees in the proper handling of personal information.

How does Bagby Wealth Management collect my personal information?

We collect your information, for example, when you

·         Give us your contact information

·         Provide account information

·         Give us your income information

·         Enter into an investment advisory contract

·         Tell us about your investment or retirement portfolio

 

Why can’t I limit all sharing?

Federal law gives you the right to limit only

·         Sharing for affiliates’ everyday business purposes – information about your creditworthiness

·         Affiliates from using your information to market to you

·         Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account—unless you tell us otherwise.

 

Definitions

Affiliates

Companies related by common ownership or control.  They can be financial and nonfinancial companies.

·         Our affiliates include companies with a Bagby name and the Broker Dealer Bagby Financial Services, Inc dba Bagby Financial Services.

Non-affiliates

Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

·         Bagby Wealth Management does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

·         Bagby Wealth Management does not jointly market