Account Custody

The Joseph Group is not a broker or custodian; we do not take possession of cash or securities. We use Charles Schwab & Company’s Institutional Services Division as custodian for our clients’ accounts. Schwab is the nation’s largest discount broker and their Institutional Services Division does an outstanding job of working with independent investment advisory firms like ours. Schwab offers a complete range of investment vehicles including money market funds, CDs, individual stocks, bonds and mutual funds. Their mutual fund platform is one of the most extensive available.

Account Reporting

Schwab sends clients monthly account statements showing market value and a summary of account activity. They also send clients trade confirmations for account transactions. In addition, Schwab offers clients the ability to access their accounts on-line and receive trade confirmations via e-mail. They also provide a year-end tax summary including interest, dividends and sales proceeds.

The Joseph Group sends clients detailed portfolio reports shortly after the end of each quarter, showing:

• Capital Allocation and Portfolio Holdings

• Performance net of fee (quarterly, year-to-date and annualized)
• Quarterly Fee Calculation

Privacy Policy

Our Privacy Policy (“Policy”) helps protect our clients’ financial information.

Information Covered by this Policy

Our Policy applies to all personal/financial information we obtain in working with prospective clients, current clients and former clients.
Such information may include, but is not limited to: name, address, social security number, income, net worth, account information, transactions, etc.

Disclosure of Information Collected

The Joseph Group discloses personal information only as authorized in providing service to our clients. We may release personal information if directed by a client, compelled by law or other legally limited circumstances (for example, to protect your account from fraud). We do not sell personal/financial information to anyone.

Access to Personal Information

We restrict access to personal/financial information to employees and authorized agents who need the information to provide services. We maintain physical, electronic and procedural safeguards to protect personal/financial information in compliance with federal standards.

Further Information

The Joseph Group, Inc. is an Investment Advisor registered with the Securities and Exchange Commission and the state of Ohio Division of Securities. For questions about this Policy, or if you would like a copy of our Form ADV, Part II, please contact us at 300 Marconi Blvd., Columbus, OH 43215, 614-228.4300. 
The Joseph Group reserves the right to amend this policy and will promptly notify our clients of such amendments.