Saffer Wealth Strategies

19011 N. 19th Place Phoenix, AZ 85024-2406

Advisory Services Agreement Saffer Insurance & Investment Services Ltd. DBA Saffer Wealth Strategies

This agreement (hereinafter referred to as the “Agreement”), entered into this ______ day of __________________, 20_____ is made and entered into by and between Saffer Insurance & Investment Services, Ltd., dba Saffer Wealth Strategies, an Arizona corporation (hereinafter the “Advisor”), Ronald G. Saffer, CLU (hereinafter the “Advisor”) and____________________________________________ (hereinafter the “Client”). By this Agreement, Client retains Advisor to provide the services described in this Agreement.

SERVICES

(Initial Choice) _____

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FINANCIAL PLANNING CONSULTATIONS* - Presentation of a written financial analysis and plan. This includes initial consultation and data gathering, discussion of the financial analysis upon presentation of the plan and followup consultation, at the Client’s request, during the term of this Agreement.

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ASSET ALLOCATION

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COLLEGE PLANNING

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ESTATE PLANNING

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MARKET ANALYSIS

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RETIREMENT PLANNING

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OTHER SERVICES (Please describe) _____________________________________________________________

*The Client understands the recommendations given during any financial planning consultation or contained in any financial plan or plan update are valid as of the date of the consultation, plan or plan update, and are not valid for any period of time beyond such date.

__________________________________________________________________________________ _____

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NO LOAD OR FEE WAIVED FUND CONSULTATION – Client may also contract with the Advisor for consultations on portfolios containing only no load or fee waived mutual funds. The Advisor will charge _____% (maximum 2% annually) of the portfolio value at the time of the consultation. The fee is negotiable based upon the complexity of the Client’s financial situation and will be due upon completion of the consultation. Client will determine how many consultations are required.

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ON-GOING FINANCIAL PLANNING SERVICES – Based on information provided by Client, Advisor will provide on-going financial consultation services on an annual retainer basis. Advisor will provide advice on various areas of financial concerns and accounts. There is a minimum annual fee of $500.

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QUALIFIED RETIREMENT PLAN CONSULTATIONS – Advisor will provide financial planning advice and financial educational seminars to sponsors of and participants in qualified retirement plans. Fees will be determined based upon the complexity of the qualified retirement plan and the services provided by the Advisor. The Advisor will be the registered representative of record for the plan accounts, but will have no trading authority over plan accounts and receive no commissions on any securities transactions. Plan participants are solely responsible for electing whether or not to implement Advisor’s recommendations and are also solely responsible for implementing any transactions they wish made in their individual accounts. The Advisor will charge an annual fee of a percentage of _____% of the total plan assets which will be billed monthly in advance. The fee will be based upon the total account value of the assets in the plan at the end of the preceding month. There is a minimum monthly charge of $500.00. Alternatively, Plan participants can delegate to Advisor to implement transactions on their behalf.

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THIRD PARTY RESEARCH ANALYST*/SUB-ADVISOR an investment advisor for the Client’s assets (including variable annuity or variable life insurance contract) and direct the purchase, sale and reinvestment of any asset signed by the client(s).

– The client authorizes the firm(s) listed below to act as variable sub-accounts that serve as the medium for a any additions hereto. The firm(s) has the authority to as per the TPMM contract(s) or Sub-Advisor Agreement

____________Firm Name(s)_____

Estimated Initial Investment

Annual Fee (%)

_______________________________

$______________________

__________%

_______________________________

$______________________

__________%

The firm(s) listed on the previous page are Registered Investment Advisors (RIA) and is completely independent of the Advisor. The advice it gives will not in any way be related to the Advisor (except that any payment of fees to the Advisor will be processed through the TPMM RIA or Sub-Advisor). Advisor will not provide accounting or legal advice nor prepare any accounting or legal documents for the implementation of Client’s plan. Client is urges to work closely with Client’s attorney and accountant in implementing the recommendations contained in the consultations. Advisor will not be responsible for the acts of omissions or insolvency of any other agent, broker or independent contractor selected to take any action or to negotiate or consummate any transaction for Client’s account.

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COMPENSATION

(Initial Fee) _____

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ONE TIME FIXED FEE OF:

$_______________

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HOURLY FEE IN THE AMOUNT OF:

$_______________ PER HOUR

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FIXED PERIODIC FEE OF:

$_______________ or _____________% PER (check one below)

     

A deposit of $_____________ upon execution of this Agreement and the balance upon completion of services. In Full Upon Completion of Services Monthly in Advance Quarterly in Advance Semi-Annually in Advance Annually in Advance

All payments should be made to:

Saffer Insurance & Investment Services, Ltd.

CLIENT OTHER THAN INDIVIDUAL If this Agreement is entered into by a trustee or other fiduciary, including, but not limited to, someone meeting the definition of fiduciary under the Employee Retirement Income Security Act of 1974 (ERISA), such trustee or other fiduciary represents and warrants that Client’s participation is permitted by the relevant governing instrument of such plan. It is also represented that Client is duly authorized to enter into this Agreement. Client agrees to furnish Advisor with such documents as Advisor shall reasonably request with respect to the foregoing. Client further agrees to inform Advisor of any event that might affect this authority or the validity of Agreement. Client additionally represents and warrants that: (1) the governing instruments provide that an investment manager as defined under ERISA may be appointed and (2) the person executing and delivering this Agreement on behalf of Client is a named fiduciary (as defined under ERISA), who has the power under the plan to appoint an investment manager. If Client is a corporation, the party executing this Agreement on behalf of Client represents that execution of this Agreement has been duly authorized by appropriate corporate action.

CONFIDENTIALITY Except as otherwise agreed in writing or as required by law, Advisor and Advisor will keep confidential all information concerning Client’s identity, financial affairs, or investments.

CLIENT RESPONSIBILITIES The Client agrees to provide financial information regarding pertinent matters as requested by the Advisor from time to time along with copies of insurance policies, wills, tax returns and other documents as Advisor may reasonably request in order to permit complete evaluation and preparation of recommendations for Client. The Client also agrees to discuss needs and goals and projected future needs and goals. The Client acknowledges that the Advisor cannot adequately perform its services on the Client’s behalf unless the Client performs such responsibilities on his/her part and that the Advisor’s analyses and recommendations are based on the information provided by the Client. The Client agrees to permit the Advisor to consult with and obtain information about the Client from the Client’s accountant, attorney, and other advisors. The Advisor shall not be required to verify any information obtained from the Client, Client’s attorney, accountant or other advisors, and is expressly authorized to rely thereon.

OTHER INVESTMENT ACCOUNTS Client understands that Advisor serves as an investment advisor and Advisor serves as a Advisor for other clients and will continue to do so. Client also understands that Advisor may give advice or take action in performing his duties to other clients or for the Advisor or Advisor’s own accounts that differ from advice given to or action taken for Client. The Advisor is not obligated to buy, sell or recommend for Client any security or other investment that Advisor or Advisor may buy, sell or recommend for any other client or for their own accounts. This Agreement does not limit or restrict in any way the Advisor from buying, selling or trading in any securities or other investments for their own accounts.

BASIS OF ADVICE Client acknowledges that Advisor obtain information from a wide variety of publicly available sources. Advisor does not have, nor do they claim to have, sources of inside or private information. The recommendations developed by Advisor are based upon the professional judgment of Advisor and Advisor cannot guarantee the results of any of their recommendations. Client at all times shall elect unilaterally to follow or ignore completely, or in part, any information, recommendation or advice given by Advisor under this Agreement.

TERMINATION This contract will remain in effect until completion of the financial planning services if Client is contracting for hourly consultations or no load and fee waived consultations. It will remain in effect for a period of one year for on-going consultation services or qualified retirement plan consultation services.

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HOURLY CONSULTATIONS - If either party wishes to terminate, they may do so at any time by notifying all appropriate parties. Any verbal notification must be followed by written notification. Termination will be effective upon receipt of such notice. Client will have a period of five business days after executing this Agreement to terminate services with no penalty (no fees due or a full refund of any retainer fees paid in advance). After the initial five business days, Client will be responsible for payment of fees for any hours expended prior to notice of termination being received. If any retainer fees were paid, fees will be refunded on a pro-rated basis based upon the number of hours of services completed. NO LOAD AND FEE WAIVED CONSULTATIONS - Either party may terminate services at any time by notifying all appropriate parties in writing. If services are terminated within five business days of executing this Agreement, services will be terminated without penalty. After the initial five business days, termination will be effective 30 days from the receipt of the termination notice. During this 30 day period, Advisor will not undertake any additional work on behalf of Client unless specifically requested by Client, but Client will be responsible for time and expenses rendered by Advisor to the date notice of termination was received. The time and expenses rendered by Advisor will be negotiated with Client. Also, if Client has selected Advisor to implement transactions in his capacity as a registered representative or IAR, the transactions originally requested may be in process and irreversible. There is no termination or refunds once a transaction has been completed. ON-GOING CONSULTATIONS - Either party may terminate services at any time by notifying all appropriate parties in writing. If services are terminated within five business days of executing this Agreement, services will be terminated without penalty. After the initial five business days, termination will be effective at the end of the billing period (monthly or quarterly) as previously indicated in this Agreement. Because of this effective date, no refunds will be given after the initial five business days. QUALIFIED RETIREMENT PLAN CONSULTATIONS - Either party may terminate services at any time by notifying all appropriate parties in writing. If services are terminated within five business days of executing this Agreement, services wi ll be terminated without penalty. After the initial five business days, termination will be effective at such time as Advisor has completed all steps necessary to end their representation of and affiliation with the plan sponsor and participant accounts. During this time, Advisor will provide only such services as are necessary to terminate its services. These services will be billed at the rate of $200.00 per hour.

CONFLICT OF INTEREST DISCLOSURE STATEMENTS Saffer Insurance & Investment Services, Ltd. is a licensed investment advisory firm with the State of Arizona under the rules and regulations of the State of Arizona. The following disclosures are provided regarding Advisor’s background and business practices. 1.

Ron Saffer, an Advisor and Advisor’s president is licensed with several insurance carriers.

2.

In the course of Advisor’s services to Client, Advisor may recommend to Client the purchase of securities, managed accounts, and/or the purchase of products underwritten by insurance carriers. When doing so, Advisor would be entitled to receive a commission (in his separate capacity as a registered representative or independent insurance agent) or fee on the sale or purchase of any of those products. Under such circumstance, Advisor would have a financial interest in the transaction and may therefore have a conflict of interest in furnishing asset management services to the extent that such recommendations are implemented.

3.

Client hereby consents and agrees that the Advisor is a registered representative and an IAR. Ron Saffer is an independent insurance agent. When acting in these separate capacities, the Advisor may receive commissions, in addition to the fees earned by Advisor on any transactions in securities, managed accounts and/or insurance products, if and when implemented by the Advisor in his separate capacity for Client. However, as described above, Advisor will not receive any commissions while acting as the IAR of record for any qualified retirement plan accounts.

4.

If the Client decides to implement any of the recommendations in any of the above listed capacities, the Client hereby consents to the above-described conflicts of interest and to receipt by the Advisor of fees for providing advisory services as provided herein. Additionally, the Client consents to the receipt by the Advisor of any sales commissions attributable to such transactions (as previously listed) that are generated by implementation of any recommendations.

5. Client hereby acknowledges that Client is under no obligation to implement any investment or insurance transactions through the Advisor (IAR) of SWS.

LIMITATION OF LIABILITY The Client acknowledges that neither the Advisor nor their employees are employees of each other, and that no such party shall be liable to the Client or any other such party for any act of omission of another such party or of that party’s employees. Nothing in the agreement shall in any way constitute a waiver or limitation of any rights that the Client may have under federal or state securities laws (or ERISA, if the Client is a qualified plan under ERISA). The Client further understands that there is no guarantee that the Client’s investment objectives will be achieved and that PAST PERFORMANCE IS NOT A GUARANTEE OF FUTURE RESULTS. The Client agrees to indemnify and hold harmless, to the maximum extent permitted by applicable laws, Advisor and their respective employees from all responsibility for any loss of market value of the account and all cost, indebtedness, and liabilities (including, without limitation, court cost and attorney’s fees and expenses) arising out of the investment decisions of the Advisor; provided that the Client shall not be responsible for any such losses, costs, indebtedness and liabilities that are finally judicially determined to have resulted primarily from any violation of Federal or State securities laws or breach of any term of the Agreement; and provided further that the Advisor shall not be held harmless with respect to any such loss, costs, indebtedness or liabilities that result from their breach of their fiduciary duty to the Client. The loss referred to in the paragraph includes, but is not limited to, losses due to market fluctuations that occur while new accounts/contributions are being processed or that result from trading/exchange.

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SEVERABILITY It is understood by the parties that if any term, provision, duty or obligation under this Agreement is held by the Courts to be unenforceable, illegal or in conflict with applicable state law, the validity of the remaining portion shall not be affected and the rights and obligations of the parties shall be construed and enforced as if such invalidity or unenforceable provision was not contained in this Agreement.

TERMS The Client may without penalty terminate this Agreement for any reason within five (5) business days of t he Contract Date. This Agreement shall begin on the Contract Date and will automatically renew annually thereafter (if applicable) and remain in effect until either party receives a Notice from the other party requesting cancellation of the entire Agreement. Upon receipt of Notice, fees received by Advisor may be refunded on a pro rata basis.

NOTICES Notices must be in writing. Notices to the Client shall be sent to the address listed in the New Account Application (if applicable). Notices to the Advisor shall be sent to Saffer Wealth Strategies, located at 1130 E. Missouri Avenue, Suite 205, Phoenix, AZ 85014.

PROXY VOTING The Advisor is hereby expressly precluded from voting proxies for securities held in the account and will not be required to take action or render any advice with respect to voting proxies.

GOVERNING LAW The laws of the State of Arizona shall govern this Agreement. If any of the provisions of the Agreement are held unlawful, void or unenforceable, such event shall not affect the enforceability of the remaining provisions.

ASSIGNMENT Neither the rights nor the obligations of a party to this Agreement may be assigned without the written consent of the Client.

ENTIRE AGREEMENT The above provisions constitute the entire Agreement among the parties with respect to the matters covered, and except as otherwise provided in the Agreement, may be modified only by a written agreement signed by all parties. Nothing in this Agreement shall constitute a waiver of any right granted to the Client under applicable law.

RECEIPT OF ADV DISCLOSURE The Client acknowledges receipt of the Advisor’s Form ADV Part II, and this Agreement from the Advisor. The Advisor and Advisor will offer annually to deliver a completed Form ADV Part II upon written request from the Client.

LEGAL/ACCOUNTING MATTERS The Advisor is not being hired to render legal or accounting advice nor for preparation of legal documents or tax returns as part of the financial advisory services to be furnished. The Client is fully and solely responsible for consulting and hiring an attorney or accountant.

ARBITRATION Client agrees that all controversies that may arise between parties concerning performance or breach of this Agreement, or any other agreement between parties, whether entered into before, on, or after the date the account is opened shall be determined by arbitration before a panel of independent arbitrators set up by the American Arbitration Association or any other industry forum only to the extent expressly provided as an alternative under the securities laws of the Client's state of residence. If Client does not notify the other parties in writing of their alternative designation within five days after Client's written demand for arbitration, then Client authorizes Advisor to make such designation on his/her behalf. Client understands that judgment upon any arbitration award may be entered in any court of competent jurisdiction. Client is aware of the following: 1. 2. 3. 4. 5.

Arbitration is final and binding on the parties. The parties are waiving their right to seek remedies in court, including the right to a jury trial. Pre-Arbitration discovery is generally more limited than and different from court proceedings. The arbitrators' award is not required to include factual findings or legal reasoning and any party's right to appeal or to seek modification of rulings by the arbitrators is strictly limited. The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry.

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No person shall bring a putative or certified class action to arbitration, nor seek to enforce any pre-dispute arbitration agreement against any person who has initiated in court a putative class action or who is a member of a putative class, who has not opted out of the class with respect to any claims encompassed by the putative class action until: 1. 2. 3.

The class certification is denied; The class is decertified; or The customer is excluded from the class by the court.

Such forbearance to enforce this arbitrate provision shall not constitute a waiver of any rights under this Agreement except to the extent stated herein. Nothing in this provision is intended to be a waiver of any right of action the Client may have under applicable federal or securities law. This provision is not enforceable in any state that does not legally allow binding arbitration.

PRIVACY NOTICE This Privacy Notice is from Saffer Insurance & Investment Services, Ltd. We are a licensed investment adviser firm and in the business of providing investment advisory services to customers. We are committed to safeguarding the confidential information of our clients. We hold all personal information provided to our firm in the strictest confidence. We may also have relationships with other nonaffiliated investment advisor firms, insurance companies, trust companies, custodians and other financial institution entities. Except as required or permitted by law, we do not share confidential information about you with nonaffiliated third parties. In the unlikely event there were to be a change in this fundamental policy that would permit additional disclosures of your confidential information, we will provide written notice to you, and you will be given an opportunity to direct us as to whether such disclosure is permissible.

AN IMPORTANT NOTICE CONCERNING OUR CUSTOMERS’ PRIVACY Customer Information We Collect - We collect and develop personal information about you, and some of that information is nonpublic personal information (Customer Information). The essential purpose for collecting Customer Information is to provide and service the financial products and services you obtain from our firm. The categories of Customer Information collected by us depend upon the scope of the engagement with us and are generally described below. As an investment adviser, we collect and develop Customer Information about you in order to provide investment advisory services. Customer Information we collect includes: 1.

Information we receive from you on financial inventories through consultation with our representatives. This Customer Information may include personal and household information such as income, spending habits, investment objectives, financial goals, statements of account, and other records concerning your financial condition 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 your financial products and services transactions with us.

Data Security - We restrict access to Customer Information to those representatives and employees who need the information to perform their job responsibilities within our firm. We maintain agreements, as well as physical, electronic and procedural securities measures that comply with federal regulations to safeguard Customer Information about you. Use and Disclosure of Customer Information to Provide Customer Service for Your Accounts - To administer, manage and service customer accounts, process transactions and provide related services for your accounts, it is necessary for us to provide acc ess to Customer Information within our firm and to nonaffiliated companies such as GWM, other investment advisers, other broker-dealers, trust companies, custodians and insurance companies. We may also provide Customer Information outside of our firm as permitted by law, such as to government entities, consumer reporting agencies or other third parties in response to subpoenas. Former Clients - If you close an account with our firm, we will continue to operate in accordance with the principles stated in the Notice. Requirements of Federal Law - In November of 1999, Congress enacted the Gramm-Leach-Bliley Act ("GLBA"). The GLBA requires certain financial institutions, including broker-dealers and investment advisers, to protect the privacy of Customer Information. To the extent a financial institution discloses Customer Information to nonaffiliated third parties other than as permitted or required by law, customers must be given the opportunity and means to opt out (or prevent) such disclosure. Please note that we do not disclose Customer Information to nonaffiliated third parties except as permitted or required by law (e. g., disclosures to service your account or to respond to subpoenas).

MISCELLANEOUS PROVISIONS

1.

This Agreement shall not become effective until acceptance by Advisor as evidenced by the signature of an authorized representative below. No modification or amendment to this Agreement shall be effective unless made in writing and signed by Client and an authorized associate of Advisor.

2.

The parties hereto acknowledge and agree that this Agreement alone constitutes the final written expression of the parties with respect to all matters contained herein. The parties further acknowledge and agree that there are no prior or contemporaneous agreements. This Agreement alone constitutes the final understanding between the parties.

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REQUIRED ADDITIONAL DISCLOSURE 1.

The Client will be charged for the advisory services chosen under the Compensation section in accordance with the Agreement, and as disclosed in the Advisor’s Form ADV Part II.

2.

The Client may be charged fees by other Registered Investment Advisors (third party money managers), with which the Advisor and the Client will have a signed agreement. A portion of these fees will be paid to the Advisor and reallocated to the Advisor.

3.

Advisor shall not be compensated based on a share of capital gains or capital appreciation of the assets or any portion of the assets of the Client.

4.

This document is provided as required by the Securities and Exchange Commission Investment Advisors Act of 1940, Rule 206(4)-3.

5.

The Client acknowledges receipt of the Privacy Policy.

6.

The Client acknowledges receipt of this disclosure document.

THIS AGREEMENT CONTAINS A PREDISPUTE ARBITRATION CLAUSE Client certifies that he/she (they) are of legal age and capacity in their state of residence, agree to the terms as set forth in this Agreement, and certify the validity of the required information. Client represents that they have read and understand the agreement.

ACKNOWLEDGEMENT OF RECEIPT OF FORM ADV PART II Client acknowledges receipt of Advisor’s Form ADV Part II or Disclosure Brochure as required by Rule 204-3 under the Investment Advisors Act of 1940.

ENTIRE AGREEMENT This Agreement represents the entire Agreement between the parties with respect to the subject matter contained herein. This Agreement may not be changed orally but only by an Agreement in writing and signed by all parties.

ACCEPTED: __________________________________________________ Client Signature

__________________________________________ Date

__________________________________________________ Client Name __________________________________________________ Joint Client Signature

__________________________________________ Date

__________________________________________________ Joint Client Name

ACCEPTED BY: SAFFER INSURANCE & INVESTMENT SERVICES, LTD. DBA SAFFER WEALTH STRATEGIES

__________________________________________________ Ronald G. Saffer, CLU, President, Fiduciary Wealth Manager & IAR

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Business Continuity Plan In the event of a business disruption, Saffer Insurance & Investment Services, Ltd. dba Saffer Wealth Strategies (SWS) clients should always contact Saffer Wealth Strategies at (602) 263-0303 or Ron Saffer first at (602) 228-2121. Ron should be the first point of contact for clients with questions about their accounts. SWS has taken steps to mitigate business disruptions resulting from a variety of events. We have reviewed our activities to assess each process to determine what is critical and how we can continue to conduct business with minimal disruption. SWS takes steps to back up all of our information on a daily basis. Additionally, we maintain offsite back-up facilities to store all of our data in the event of business disruption in our office. While our plans attempt to deal with the potential impact of a variety of scenarios, any specific response will be highly dependent upon the nature and extent of the circumstances of the event. Our plan is subject to modifications at any time and updates will be posted to our website or customers may request an updated summary by writing to the address above or by emailing [email protected]. To the extent possible SWS intends to continue doing business during any outages.

Privacy Statement Saffer Wealth Strategies (“SWS”) values you as a customer and respects your right to privacy. We recognize that you have placed your trust in us, and we take the responsibility to preserve that trust. One way we endeavor to keep your trust is to properly handle that personal information. We pledge to you that: 1. 2. 3. 4. 5.

Protection of your privacy is a top priority; Your account information and all documents you provide to us are protected in a secure environment; We only collect personal information in order to accomplish our customer commitments to you; Information about you is only used and shared in limited and controlled ways; and, In the event that we wish to share information about you with non-affiliated third parties, you will be given options concerning what information may be shared, and your privacy wishes will be respected. You may also choose to opt out of any information sharing.

SWS maintains physical, electronic and procedural safeguards to ensure that personal information we have about you is treated responsibly, and in accordance with our privacy policy. We restrict access to information about you only to those representatives and employees who need to know that information in order to provide products and services to you or to conduct SWS’s business. Representatives or employees who have access to the information may only use it for legitimate business purposes. In addition, we take steps to safeguard information about you in accordance with applicable data security regulations. We collect personal information about you from these sources: 1. 2. 3.

SWS’s Customer Account Form, applications for the purchase of various products, and other forms; Product vendors, as a result of your transactions with us; and/or, Depending on the product you are requesting to purchase, information received from consumer reporting agencies, medical providers or others.

We may disclose the following categories of information to entities that perform administrative services on our behalf or as required or permitted by law for legal, regulatory, or other purposes: 1. 2. 3.

Information you provide directly to us on the Customer Account Form, applications or other forms; Information we receive about your transactions with us or with our product providers; and/or, If required for the products you purchase, information received from other agencies such as: consumer reporting agencies concerning your creditworthiness, motor vehicle and driver’s license reports, medical and employment information, and loss reports.

We may disclose information about you to our staff, affiliates, representatives, their affiliated businesses, and third parties who provide you with financial products and services. Non-affiliated third parties may include retirement plan sponsors or third party administrators, mutual fund companies, insurance companies and agencies, other broker-dealers, and clearing firms. Our privacy policy is the same for current, as well as former clients. If you close your account, in the process of transferring your investments we may share your information with the new broker-dealer or custodian that you or your representative selects. If our representative servicing your account leaves us to join another broker-dealer, the representative is permitted to retain copies of your information so that he or she can continue to serve you at the new firm. The representative is still required to keep your personal information confidential and may only use it to service your account. If you wish to opt out of having your Representative take your personal information upon leaving SWS, please send a written request to: Saffer Wealth Strategies, 19011 N. 19th Place, Phoenix, AZ 85024-2406. A special note about medical or health information: While we might receive medical or health information from you at the time of application for various types of insurance, we do not use it or share it – internally or externally – for any purpose other than what is directly related to the administration of your policy, account, or claim, as required or permitted by law, or as you authorize us to do. Saffer Wealth Strategies pledges to work to protect the security of your confidential information.

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