Please read this notice carefully. It applies to you as a current or former customer of our products and services, or as a consumer interested in our products and services. We at Lookahead Advisory are committed to protecting your privacy in accordance with the Fair Credit Reporting Act (FCRA), as amended by the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), the Gramm-Leach-Bliley Financial Services Modernization Act (GLBA), applicable state laws, and this privacy notice. This privacy notice should not be construed as establishing a contractual relationship.

Information we may collect

The nonpublic personal information we collect may include, but is not limited to, your name, address, telephone number, email address, Social Security Number, date of birth, and your transaction and experience history with Lookahead Advisory, as defined below. We may use this information in connection with certain aspects of our business. For example, we may use this information to complete your requested transaction, to improve your online experience with us, or to otherwise manage your relationship with Lookahead Advisory.

We may obtain this information i) directly from you (e.g., application or other form you have completed, from information you have chosen to disclose on our website, LookaheadAdvisory.com, or from information you have given to Lookahead Advisory in a consultation), ii) from your employer with respect to your employer-sponsored plan, or iii) from third parties. In addition, we may also collect information about your creditworthiness from consumer reporting agencies, and may include your marital status, employment history, income, assets, credit score, credit history, open lines of credit, and information about your household.

If you own a life insurance policy, we may have collected your health information. We will not disclose your health information to any other company, including Lookahead Advisory or other persons unless authorized by you, or required or permitted by law or regulation.

How your information is used

We use your personal information primarily to provide you with the products and services you request or your employer has directed us to deliver on your behalf, and we share and use your personal information relating to transactions, balances, payment history, and similar experiences among Lookahead Advisory to conduct our business.

Disclosure of your information

We share your personal information with other Lookahead Advisory entities as permitted by law. We will not disclose your personal information to anyone outside of the Lookahead Advisory entities unless: 1) we have received proper consent from you; 2) we are legally permitted to do so; or 3) we reasonably believe, in good faith, that we are legally required to do so. For example, we may provide the information to assist us with various aspects of conducting our business, to comply with laws or industry regulations, and/or to effectuate any action that you have requested, including the following:

  • Unaffiliated service providers (e.g., fulfillment companies, securities clearinghouses, data processing services, printers, and mailing facilities) engaged by us.
  • Unaffiliated fund and/or insurance companies and their agents whose investment options are made available to you through your employer-sponsored retirement or savings plan, provided monies are allocated to them on your behalf.
  • Government agencies, other regulatory bodies, and law enforcement officials (e.g., for tax purposes or for reporting suspicious transactions).
  • Other organizations, with your consent or as directed by you (e.g., if you use Lookahead Advisory as a financial reference in applying for credit with another institution).
  • Other organizations, as permitted or required by law (e.g., for fraud prevention).

Security of your information

Lookahead Advisory protects the personal information you provide against unauthorized access, disclosure, alteration, destruction, loss, or misuse. Your personal information is protected by physical, electronic, and procedural safeguards in accordance with federal and state standards. These safeguards include appropriate procedures for access and use of electronic data, provisions for the secure transmission of sensitive personal information on our website, and telephone system authentication procedures. Additionally, we limit access to your personal information to those Lookahead Advisory employees and agents who need access in order to offer and provide products or services to you. We also require our service providers to protect your personal information by utilizing the privacy and security safeguards required by law.

Your right to opt out

Providing us with access to your information permits us to offer you distinct advantages and better service. It enables us to provide you with more comprehensive financial guidance. Sharing and using your information helps us tailor product offerings to you and eliminate those that may not interest you. This helps us keep expenses low.

Federal law gives you the right to limit some but not all sharing of your personal information. You may not limit sharing of information of your transactions and experiences with Lookahead Advisory entities, but you may limit sharing of information about your creditworthiness.

Unless you tell us otherwise and opt out, (i) the Lookahead Advisory entity(ies) with which you have a business relationship may share information about your creditworthiness with other Lookahead Advisory entities or (ii) other Lookahead Advisory entities may use your personal information for marketing purposes. If you are a Vermont resident, state law gives you an additional right: we will not share information about your creditworthiness with other Lookahead Advisory entities except with your consent.

If you opt out, the Lookahead Advisory entity(ies) with which you have a business relationship will still notify you of their new products or services. Please note that we cannot withdraw any previous disclosures made with your authorization.

To opt out of either information sharing or marketing, or both, please call our office weekdays, 8 a.m. to 5 p.m. at (503) 479-4122. You may receive more than one privacy notice from the Lookahead Advisory entities depending on the products you own.

If you own a life insurance contract or brokerage account with a co-owner, you and the co-owner may:

  • Opt out separately, or
  • Either of you may opt out for both of you.

If you opt out separately, we will limit disclosure of information only for the owner who has opted out. If you indicate that you are opting out for the co-owner as well, we will limit disclosure for both of you.

Your opt-out becomes effective as soon as practicable. It remains in effect until you revoke it in writing.

Changes in our privacy notice

Lookahead Advisory periodically reviews its privacy notice and reserves the right to amend it. If amended, Lookahead Advisory will continue its commitment to maintaining the security and privacy of your personal information. We will notify you of material changes prior to when they take effect through a banner notice on our website, LookaheadAdvisory.com.

How to change or correct your personal information

To change or correct information such as your name, address, retirement start date, telephone number, email address, or other personal information, please reach out to your financial advisor, email us at hello@lookaheadadvisory.com, or call (503) 479-4122.

For Nevada residents, state law requires that we provide you notice that you have the option to be placed on our Internal Do Not Call list. If you would rather not receive marketing calls from us, please call us at the telephone number provided above.

Former customers

If your customer relationship with Lookahead Advisory ends, we will not destroy your personal information unless required or permitted by law. We will continue to treat your personal information in accordance with this privacy notice and applicable laws.

Our digital tracking practices

Lookahead Advisory uses digital tracking technology including, but not limited to, pixels, beacons, and cookies to collect from your computer or other connected device information about you, your internet and website activity, and your preferences. We utilize such information for the following purposes:

  • To make our website usable by enabling basic functions, like page loading, account sign-in, and filling out forms;
  • To monitor website traffic and activity;
  • To maintain security, enable fraud detection, and provide trouble-shooting and support;
  • To facilitate an action initiated by you, such as setting or detecting your privacy settings;
  • To establish and maintain a logged-in connection while you are in the secure section(s) of our website. For example, when you visit your account, perform transactions, update contact information or perform other activity a “cookie” allows you to navigate from page to page in a secure fashion without having to repeatedly log in;
  • To enable us to personalize your web experience by remembering your online preferences including, but not limited to, your preferred language, web layout, or location settings;
  • To detect your browser and device capabilities for displaying website content.

Professional Disclaimer

DISCLAIMER: Lookahead Advisory (“LA”) is a registered investment adviser in the State of Oregon. LA and its representatives are in compliance with the current registration and notice filing requirements imposed upon registered investment advisers by the State of Oregon. LA may not transact business in states where it is not appropriately registered, excluded, or exempted from registration. LA’s website is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information is not prohibited by applicable law.

Accordingly, the publication of LA’s website on the Internet should not be construed by any consumer and/or prospective client as LA’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Furthermore, information on this Internet site should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from LA. Individualized direct responses to a prospective client that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption from registration in the state where such prospective client resides.

For information pertaining to the registration status of LA, please contact the United States Securities and Exchange Commission on their website or the state securities law administrators for the State of Oregon. ACCESS TO THIS WEBSITE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND WITHOUT ANY WARRANTIES, EXPRESSED OR IMPLIED, REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS WEBSITE OR ANY THIRD-PARTY WEBSITE LINKED TO THIS WEBSITE.