Investor Bill of Rights

Clarity is the cornerstone of trust between investors and their financial representatives.
 
Acumen Investment Services is committed to clarity through full and unambiguous disclosure, as well as enhanced understanding of the securities markets. We believe that the needs of the investor should always come first. As an investor, you have important rights, including the right to high quality products and services from the securities firm you choose. At the same time, investors need to shoulder certain responsibilities themselves - for example, to plan carefully to meet their investment goals and to stay informed about the risks and rewards of their investments.

Your Rights As An Investor

As an investor, you have the right:

• To be treated in a fair, ethical, and respectful manner in all interactions with Acumen, and its affiliates, and to receive competent and courteous service and advice at a fair price.
• To clear, accurate, easy-to-understand descriptions of all your transactions, statements, and other communications from Acumen Investment Services and our affiliates.
• To be informed clearly about all the costs associated with your account and the costs related to individual transactions, including commissions, sales charges (or loads), and other fees.
• To be provided with responsible investment recommendations based on your personal objectives, time horizon, risk tolerance, and other factors, as disclosed by you.
• To be able to rely on your Acumen Investment Services representative's assistance in setting realistic expectations about the long-term performance and associated risks of various securities.

Your Responsibilities As An Investor

To help ensure the success of your investments, you will want to take a number of important steps personally.

• Read thoroughly all sales literature, prospectuses, and/ or other offering documents, when available, before making any investment decision.
• Consider carefully all investment risks, fees, and/ or other factors explained in these documents.
• You need to remember at all times that every investment has some degree of risk and that it is possible to lose some or all of your money on any investment.
• Provide completely accurate information about your financial status, investment goals, and risk tolerance when seeking investment advice, so that your Acumen representative can provide you with appropriate recommendations.
• Notify your representative promptly whenever there is a significant change in your investment objectives, risk tolerance, income, net worth, or liquidity needs.
• Review your portfolio holdings on a regular basis, and whenever your financial circumstances change. You may want to make appropriate changes based on your investments' performance and your current objectives.
• Have cash or available margin-buying power in your investment account, or transfer funds into that account, to ensure payment for securities purchases by the settlement date. If you are paying by check or funds transfer, you should always make payments directly to your investment clearing firm.
• Review all transaction confirmations and account statements or reports carefully and promptly. You should report any errors or any questions you have to your Acumen representative or branch manager immediately.
• Consult an attorney or a tax adviser for specific tax or legal advice.
• Consider carefully the validity and reliability of investment information obtained from all sources, especially unsolicited information obtained over the Internet.
• Understand that the opinions of financial professionals should never be interpreted as a guarantee of future performance or rate of return. These best practices are aspirational in nature. To abide by the highest professional standards is an obligation Acumen Investment Services incurred when we chose to earn our living by helping people to manage their money.