compliance policy.

This chapter of this Field Guide contains a detailed list of our duties to remain compliant and protect the families we serve.

Compliance is a critical part of this business. Securities regulation exists to uncover and eliminate the bad seeds within the industry, and sadly, there are many left to weed out.

The majority of the duties prescribed in the manual are performed by the Chief Compliance Officer (CCO), who will be there for you every step of the way. By utilizing deep workflow integrations with electronic signatures, we have streamlined this process considerably.

The CCO is responsible for ensuring each employee has reviewed and understands the policy, and that records are kept to verify such.

Running a compliant firm affords us the privilege to continue doing amazing work for people we care about.


Policy Statement

Core Planning, LLC (“CP”) is a registered investment adviser in the State of Missouri. This document describes its policies and procedures.

At a minimum, we will annually review and update these policies and procedures. We may conduct interim reviews in response to significant compliance events, changes in business arrangements, and regulatory developments.

We will maintain copies of all policies and procedures that are in effect or were in effect at any time during the last five years.

Our mission is to maintain the highest ethical and professional standards for the benefit of the families we serve.


This manual is only a guide and cannot cover employee and/or supervised person’s conduct in every conceivable situation that may arise in the course of doing business.

In the event of any uncertainty, an officer, director, affiliate, supervised person, or employee of the firm should ask a supervisor or the Chief Compliance Officer (“CCO”) for advice on compliance with this manual and/or the applicable securities laws.

Throughout this document, the term “CCO” is understood to mean the Chief Compliance Officer or designated representative, as the CCO may delegate the performance of certain compliance responsibilities to other individuals at the firm. The CCO has ultimate responsibility for the compliance program of the firm.

Policies in this manual apply to every employee, supervised person, member and officer of Core Planning, LLC.

Each of us is required to read the full contents of the Compliance Manual and conform to the policies contained therein.

The Annual Attestation Acknowledgement Form will be sent out to all firm members, supervised persons, officers and employees. We must all acknowledge and sign that we have read and understood the compliance policies and procedures.

Fiduciary Statement

We have a duty to always act in the best interest of our clients.

We should not engage in any activity in conflict with the interest of any client and we should take steps to eliminate all conflicts of interest that might incline us to provide advice that is not impartial. If we cannot eliminate such a conflict, then we must fully disclose the conflict.

We should also take care to avoid misleading our clients in any way and should provide full and fair disclosure of all material facts. Generally, facts are “material” if a reasonable investor would consider them to be important in determining to do business with the adviser.

Firm Statement

As a Registered Investment Adviser, Core Planning owes its clients specific duties as a fiduciary:

  • Collect suitability and investment profile information

  • Provide advice that is suitable, appropriate, and in the client’s best interest

  • Give full disclosure of material facts and any potential or actual conflicts of interest to clients and prospective clients

  • Serve with loyalty and in utmost good faith

  • Exercise reasonable care to avoid misleading a client

  • Make all efforts to ensure best execution of transactions

We seek to protect the interest of each client and to consistently place the client’s interests first and foremost in all situations.

We believe these policies and procedures are sufficient to prevent and detect any violations of regulatory requirements as well as of the firm’s own policies and procedures.

If for some reason you encounter a situation that is not addressed in the totality of this Manual, please ask for guidance.