SMS Financial

Your Rights and Responsibilities as a Client

In every relationship, it helps to understand expectations and responsibilities.  We want you to be happy with us: we want to give outstanding service and value.  Here is our promise to you and expectations of your response.

Your rights as a client:

  • Courteous service
  • A trustworthy and competent financial advisor
  • Suitable recommendations
  • Timely transactions at the best available prices
  • Full disclosure of costs and risks
  • Clear communications
  • Comprehensive statements and trade confirmations
  • Prompt error and complaint resolution
  • Strict confidentiality

Client responsibilities:

  • Niceness: we promise never to be rude to you and we expect the same consideration. Please do not hesitate to ask for our help. We will do our best, but sometime circumstances are beyond our control. We will ask for your patience and keep you informed.
  • Disclosure: you should be forthcoming about your current financial situation, as well as your needs, objectives, financial experience and risk tolerance so that we can make appropriate recommendations. If you have any changes in circumstance, please inform us so we can make the appropriate changes in our recommendations.
  • Commitment: clients should expect to set aside time to meet with us, at the very minimum once a year. We will occasionally send you forms or email that need a response: please return as soon as possible.
  • Realistic Expectations: there are no risk free investments and risk rises as return objectives rise. We will discuss portfolio risk with you but the financial markets are not under our control and sometimes our investment objectives are not being met, through no fault of our professional competence. Past performance is not an indication of future results. We will never guarantee any investment, but you can be assured that we performed adequate due diligence before recommending the investment.


Please do not hesitate to contact us about any financial planning or investment management issue.  We will provide you with financial literature, including prospectuses or offering documents, which should be reviewed before investments are made.  You will receive confirmations and/or statements either immediately, monthly or quarterly. Please review your statements and call our office at 831-622-8800 if you have any questions.


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.