The information contained in this website is published for clients and prospective clients of the Darnell Financial Planning Team. The information presented on this website is believed to be correct at time of publication, however the economic concepts presented here may not necessarily reflect the future performance of the economy or of individual investments.

For your own protection, the Darnell Financial Planning Team website does not accept requests for securities transaction instructions of any kind. Please do not use this website to ask us to send income dividends, sell or purchase any securities, or send the proceeds from prior securities transactions through this website. However, we encourage you to call and speak directly with Craig Darnell or a member of the Darnell Financial Planning Team to make any of the above types of requests.

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. You should be aware of your risk tolerance level and financial situations at all times. No client or prospective client should assume that any information presented and/or made available on this website serves as the receipt of, or a substitute for, personalized individual advice from the planner or any other investment professional. Furthermore, you should read all transaction confirmations, monthly, and year-end statements. Read any and all prospectuses carefully before making any investment decisions.

Our Privacy Policy
In providing financial services and products to you, we collect certain nonpublic personal information about you. Because we respect your right to privacy, we are committed to keeping this information strictly safeguarded and confidential, and to use or disclose it only as necessary to provide our services or products to you, or as required by law. Our privacy policy applies equally to our former clients, current clients and fund shareholders. Protecting your privacy is important to us, and we provide all customers with a copy of our privacy policy on an annual basis.

Collection of Nonpublic Customer Information
“Nonpublic personal information” is personally identifiable financial information about you as an individual or your family. The kinds of nonpublic personal information we collect includes the information you give to use when you open an account with us or when we discuss your account with you, such as name, address, telephone number, your employment, family and personal financial situations and your investment objectives. We also have information about your investment account assets and transactions, including your holdings and transactions in fund shares, the brokerage and custodial arrangements for your account and your relationship with your registered representative.

Disclosure of Nonpublic Customer Information
We do not disclose nonpublic personal information about you except as required by contract or law or when authorized by you. We, or course, disclose your information to the financial institutions with whom we are contracted in the process of applying for the various contracts and programs which you authorize us to apply for on your behalf. We will maintain the same standards of privacy after our customer relationship has ended and will only disclose information about former customers as described in the privacy policy.

Confidentiality and Security of Nonpublic Customer Information
We use physical and procedural safeguards to maintain the integrity of your information. We restrict access to your information to only those employees who need to utilize this information in the administration of our financial services or who are permitted by law to receive it. Our employees are required to follow our privacy procedures to ensure that your information is handled properly and used only for authorized purposes.

SIPC’s Contact Information
You may obtain information about the Securities Investor Protection Corporation (“SIPC”), including the SIPC Brochure by contacting the SIPC at 202-371-8300 or by logging onto their website at www.sipc.org.

Photograph of Bishop's Peak at the top of each page is provided courtesy of Sara Heinrichs. Thank you!

This website and its content is copyright of Darnell & Associates. © Darnell Financial Planning Team 2007. All rights reserved.
Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:

• you may print or download to a local hard disk extracts for your personal and non-commercial use only
• you may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material

You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system