SMS Financial

Code of Ethics

SMS Financial LLC will always put the client’s best interest first and above our own interests, act with care and in good faith, will not mislead clients, and will provide full and fair disclosure of all material facts and disclosure of all material conflicts of interest.  We pledge to provide professional services with integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence.

We will always treat our clients, our employees, our associates, and each other with respect and dignity.  We will respect the integrity of our profession and we will strive to improve and maintain professional competence.

We will not engage in any act of dishonesty, fraud, or deceit.  We will not violate the laws of the US government or the State of California, nor of the self-regulatory agencies to which we belong.

We will act in a manner that reflects credit on ourselves and others in the professions of investment management and financial planning.

Investment recommendations will be made with loyalty, prudence, and care. We will act with the duty and care of a fiduciary. We will make investment recommendations based on suitability and that are consistent with the stated objectives and constraints of the portfolio. No material nonpublic information will be used in investment recommendations.

We will not receive any gifts, benefits or compensation that are not fully disclosed to client.

When communicating with the public, we will endeavor to ensure that communications and reports are fair, accurate and complete.


The SMS Financial LLC site has been designed for informational purposes only. We reserve the right to make modifications at any time, without notice. No information contained on the site constitutes investment advice. Your use of this information does not constitute a client relationship. Past performance does not guarantee future results.

The information provided is in no way intended as an offering or a solicitation of a security which may be referenced in the site. It is not intended for distribution to, or use by, any person in any jurisdiction where such use would be contrary to law or regulation, or which would subject SMS Financial LLC to any registration requirement with such jurisdiction. SMS Financial LLC is not offering services in states were we are not properly registered. Please call for the most current information on such registration.

Copyright © 2017

Unless specifically authorized in writing, any and all information on this site may not be reproduced, transmitted, displayed, distributed, published or otherwise used.

Internet Links

At certain places on this SMS Financial LLC Internet site, live links to other Internet addresses can be accessed. Such external Internet addresses contain information created, published, maintained, or otherwise posted by institutions, organizations, or individuals independent of SMS Financial LLC. SMS Financial LLC does not endorse, approve, certify, or control these external Internet addresses and does not guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness, or correct sequencing of information located at such addresses. Links are being provided for information purposes only.

Use of any information obtained from such addresses is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. Reference therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by SMS Financial LLC.