Privacy Policy
Planning Solutions International LLC dba TOAMS Financial
Effective Date: January 4, 2019
Last Updated: January 4, 2019
Planning Solutions International LLC dba TOAMS Financial (“TOAMS,” “we,” “our,” or “us”) is committed to protecting the confidentiality and security of personal information obtained from our clients and website visitors. This Privacy Policy explains how we collect, use, safeguard, and disclose information.
1. Our Commitment to Your Privacy
TOAMS is a registered investment advisor located in the State of Florida and provides investment advisory and related services to clients nationally. We recognize the importance of protecting the personal and financial information of our clients and prospective clients and have established policies and procedures designed to maintain the confidentiality of such information.
2. Information We Collect
We may collect nonpublic personal information about you from the following sources:
Information you provide to us on applications, forms, questionnaires, or through our website
Information obtained during meetings, phone calls, emails, or other communications
Information received from third parties, such as custodians, broker-dealers, or service providers
Information generated in connection with providing advisory services
This information may include, but is not limited to:
Name, address, email address, phone number
Social Security number or taxpayer identification number
Financial information such as assets, income, investment objectives, and risk tolerance
Account numbers and transaction history
3. How We Use Your Information
TOAMS uses your information solely for legitimate business purposes, including:
Providing investment advisory services
Opening and maintaining client accounts
Responding to inquiries and requests
Complying with legal, regulatory, and compliance requirements
Improving our services and website functionality
We do not use your personal information for purposes unrelated to our advisory relationship.
4. Information Sharing and Disclosure
TOAMS does not sell, rent, or trade your personal information.
We may disclose nonpublic personal information only as permitted or required by law, including:
To custodians, broker-dealers, or other financial institutions necessary to service your account
To regulatory authorities, including the SEC or state regulators
To service providers who assist us in business operations (subject to confidentiality obligations)
As required by law, court order, or regulatory inquiry
All third parties with whom we share information are required to protect its confidentiality.
5. Safeguards and Security Measures
TOAMS maintains physical, electronic, and procedural safeguards designed to protect your personal information, including:
Restricted access to client files and systems
Secure data storage and password-protected systems
Compliance oversight by our Chief Compliance Officer (CCO)
Access to personal information is limited to employees and service providers who need the information to perform their duties.
6. Email and Electronic Communications
TOAMS often communicates with clients and prospective clients via email and other electronic means. While we take reasonable steps to protect electronic communications:
Please do not send sensitive personal or financial information via email
TOAMS does not accept trading or money movement instructions via email
Emails may be reviewed by our CCO or securities regulators for compliance purposes
If you receive an email from TOAMS in error, please notify the sender and delete the message immediately.
7. Website Information & Cookies
When you visit toamsfinancial.com, we may collect limited non-personal information such as IP address, browser type, and pages visited to improve website performance and user experience. We do not collect personal information through cookies unless you voluntarily provide it.
8. Social Media and Third-Party Websites
TOAMS may use third-party websites, including social media platforms. Any interaction on these platforms is considered advertising under securities regulations.
Information provided on social media or third-party sites is for educational and informational purposes only and does not constitute investment advice. Advice is provided only after entering into a formal advisory agreement.
9. Third-Party Custodians
Client assets are custodied with TD Ameritrade, Inc. TD Ameritrade and TOAMS Financial are separate and unaffiliated firms. TD Ameritrade does not endorse or recommend TOAMS Financial or its services.
10. Former Clients
If you cease to be a client of TOAMS, we will continue to maintain your information in accordance with applicable laws and regulatory requirements and will continue to safeguard it as described in this Privacy Policy.
11. Access to Regulatory Disclosures
TOAMS provides all prospective clients with:
Form ADV Part 2A (Disclosure Brochure)
Form CRS
Brochure Supplements for advisory personnel
12. Changes to This Privacy Policy
TOAMS reserves the right to modify this Privacy Policy at any time. Any changes will become effective upon posting to our website. Continued use of the website constitutes acceptance of the updated policy.
13. Contact Information
If you have questions about this Privacy Policy or our privacy practices, please contact: