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“Fee-Only, Independent Financial Planning for Individuals and Couples”

CVT Compliance Disclosure

CVT Financial Planning is a registered investment advisory firm in the State of New Hampshire and the Commonwealth of Massachusetts. Located in Whitefield, New Hampshire, CVT Financial Planning offers fee-only financial planning and investment advisory services. All content on this website is for information purposes only. Opinions expressed are solely the opinion of Cynthia V. Taradash, Principal, CVT Financial Planning. The material on this website is general in nature, based on information available in the marketplace and is believed to be reliable and authoritative. It is not guaranteed as to its accuracy and should not be applied indiscriminately to individual situations wherein it may not be completely applicable. The presence of this website shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the states of New Hampshire, Massachusetts and Vermont or where legally permitted. This is also on the Disclosure page.

NAPFA’s Fiduciary Oath

As a member of NAPFA, Cynthia V. Taradash agrees to uphold her fiduciary duty to put her client’s interests first, ahead of her own and agrees not to receive any compensation other than the fees paid by clients. All NAPFA members are required to adhere to the following fiduciary oath.

The advisor shall exercise his/her best efforts to act in good faith and in the best interests of the client. The advisor shall provide written disclosure to the client prior to the engagement of the advisor, and thereafter throughout the term of the engagement, of any conflicts of interest, which will or reasonably may compromise the impartiality or independence of the advisor. The advisor, or any part in which the advisor has a financial interest, does not receive any compensation or other remuneration that is contingent on any client’s purchase or sale of a financial product. The advisor does not receive a fee or other compensation from another party based on the referral of a client or the client’s business.

Investment Advisor Public Disclosure

Prior to each financial planning engagement, a copy of SEC Form ADV, Part II must be delivered to the client. SEC Form ADV, Part I may be downloaded at the SEC website.
Cynthia V. Taradash’s CRD number is 116742.

pdf file click to view or download SEC Firm Brochure, Part 2 of Form ADV (pdf)

PRIVACY POLICY

CVT Financial Planning, an independent, fee-only financial planning firm, is committed to safeguarding the confidential information of its clients. We hold all personal information provided to our firm in the strictest confidence. These records include all personal information that we collect from you in connection with any of the services provided by CVT Financial Planning. As you know, we use financial and health information that you provide to us to help you meet your personal financial goals while guarding against any real or perceived infringements of your rights of privacy. Our policy with respect to personal information about you is listed below.

  • The categories of nonpublic personal information that we collect from a client depend upon the scope of the client engagement. It will include information about your personal finances, information about transactions between you and third parties, information about your health to the extent that it is need for the planning process and/or insurance applications and possibly information from consumer reporting agencies.
  • Where necessary, we may disclose nonpublic personal information that we receive from you such as your name, address, social security number, assets and income to third party financial services providers, such as brokerage firms, mutual fund companies, insurance agents, accountants and attorneys that you have or intent to have a business relationship with. In all such cases, we provide the third party with only the information necessary to carry out its assigned responsibilities and only for that purpose.
  • We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law. [For example, disclosing information needed to process or service a financial product that a consumer requests or authorizes and disclosing firm records to federal and state regulators.] We do however, restrict access to nonpublic information about you to those individuals who need to know that information to provide products or services to you and perform their respective duties.
  • We do not provide your personally identifiable information to mailing list vendors or solicitors for any purpose.
  • We do not sell information about current or former clients to anyone.
  • We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.
  • In addition to current clients, this same privacy policy applies to former and inactive clients as well.
  • We maintain a secure office and computer environment to ensure that your information is not placed at unreasonable risk.
  • If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures necessary and permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may call (603) 837-2506.

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