This privacy policy statement is provided to clients at the initial signing of the client contract and is sent annually. Ric Komarek, CFP® collects nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms (e.g., name, address, Social Security number).

• Information about your transactions with us, our custodians, or others (e.g., account balances, transaction history).

Information Sharing

We do not disclose any nonpublic personal information about you to anyone, except as permitted or required by law. This includes sharing information with service providers and qualified custodians who assist us in delivering our advisory services to you.

Additionally, we may share limited nonpublic personal information with non-affiliated third parties to facilitate specific services or business arrangements. This includes sharing information with financial technology providers (such as Fispoke) to facilitate your access to requested cash and lending management solutions, and sharing account status information with independent promoters (such as Indyfin) solely for the administrative purpose of validating referral and compensation arrangements.

Your Right to Opt-Out

If you prefer that we not disclose nonpublic personal information about you to non-affiliated third parties (other than those disclosures permitted or required by law to service your account), you may opt out of those disclosures. To opt out of the sharing of your information with non-affiliated third parties for marketing, referral validation, or outside revenue-sharing purposes, please call us at (530) 232-4822 or email [email protected].

Data Security

Ric Komarek, CFP® restricts access to your personal and account information to those employees and authorized vendors who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal and California state standards to protect your nonpublic personal information.

Consumer Rights

Under California law and federal privacy regulations, you have the right to access the personal information we have collected about you and request corrections to any inaccurate data. Please contact us if you wish to review, update, or request the deletion of your information, subject to our regulatory recordkeeping requirements.

Policy Updates

We reserve the right to modify this privacy policy at any time. Clients will be notified of any significant changes through written communication or via our website.

Contact Information

If you have any questions regarding this policy, your privacy rights, or your personal information, please contact us at (530) 232-4822.