Disclosure Brochure. September 9, 2015

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1 Item 1 - Cover Page Disclosure Brochure September 9, Redwood Blvd. Suite #300 Novato, CA Contact Information Paul F. Cordero, Founder and Principal Phone: (415) paul@corderofinancial.com Website: This Disclosure Brochure provides information about the qualifications and business practices of PF Cordero Financial Planning. If you have any questions about the contents of this Brochure, please contact us at: (415) / paul@corderofinancial.com. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. PF Cordero Financial Planning is a State of California registered investment advisor. Registration of an investment advisor does not imply any level of skill or training. The oral and written communications of an advisor provide you with information about which you determine to hire or retain an advisor. Additional information about PF Cordero Financial Planning is available on the SEC s website at 1

2 Item 2 - Material Changes This Item will discuss only specific material changes that are made to the Brochure and provide clients with a summary of such changes. We will also reference the date of our last annual update of our brochure. Since our last annual amendment filed March 28, 2014, the following changes have been made: Our minimum Annual Retainer fee has been increased to $3, per year. Our minimum Annual Retainer Renewal fee has been increased to $2, per year. We no longer offer the Portfolio Management Retainer. Retainer fees can be deducted directly from Client investment accounts. Currently, our Brochure may be requested by contacting Paul Cordero, Founder and Principal at (415) or paul@corderofinancial.com. An electronic copy is also available for download from Additional information about PF Cordero Financial Planning is available via the SEC s web site The SEC s web site also provides information about any persons affiliated with PF Cordero Financial Planning who are registered as Investment Advisor Representatives. 2

3 Item 3 - Table of Contents Item 1 - Cover Page... 1 Item 2 - Material Changes... 2 Item 3 - Table of Contents... 3 Item 4 Advisory Business... 4 Item 5 Fees and Compensation... 6 Item 6 Performance-Based Fees and Side-By-Side Management... 7 Item 7 Types of Clients... 8 Item 8 Methods of Analysis, Investment Strategies and Risk of Loss... 8 Item 9 Disciplinary Information... 9 Item 10 Other Financial Industry Activities and Affiliations... 9 Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading... 9 Item 12 Brokerage Practices Item 13 - Review of Accounts Item 14 - Client Referrals and Other Compensation Item 15 Custody Item 16 - Investment Discretion Item 17 Voting Client Securities Item 18 Financial Information Item 19 Requirements for State-Registered Advisors Supplemental Brochure - ADV Part 2B 3

4 Item 4 Advisory Business A PF Cordero Financial Planning ( THE ADVISOR ) is a Fee-Only holistic financial planning firm that specializes in providing holistic financial planning and investment advisory services to individuals and families. THE ADVISOR is owned and operated by Paul Cordero who established PF Cordero Financial Planning in October 1, THE ADVISOR offers a wide range of financial services. Specifically, PF Cordero Financial Planning distinguishes itself from traditional investment advisory firms by providing services to meet your investment needs, as well as tax, estate planning, risk management, and retirement planning, life event planning and other special needs. All services are tailored to the particular objectives of the client. PF Cordero Financial Planning is a fee-only firm. THE ADVISOR is compensated solely by professional fees received directly from clients. Neither THE ADVISOR nor any related person receives compensation that is contingent on the purchase or sale of a financial product. Neither THE ADVISOR nor any related person accepts any sales commissions, referral fees, service fees or other form of compensation from any third party, nor does THE ADVISOR or any related person compensate anyone else directly or indirectly for client referrals. Neither THE ADVISOR nor any related persons have any other conflicts of interests. THE ADVISOR does not accept discretionary investment authority from any client. THE ADVISOR obtains a client s prior approval of each specific transaction prior to executing investment recommendations, as well as for the selection and retention of sub-advisors to the account. THE ADVISOR will ensure that before recommending other advisers that the other advisers are properly licensed or registered as an investment adviser. THE ADVISOR will only execute transactions for clients when specifically requested and authorized to do so by Client in writing. Clients are under no obligation to follow the advice and recommendations of THE ADVISOR, and the decision whether to invest in any particular security or type of security is made by each client. Clients are not required to hold assets with a particular custodian or to give THE ADVISOR limited power of attorney for trading, though clients may choose to do so at their own discretion. If the client elects to act on any of the recommendations, the client is under no obligation to effect the transaction through THE ADVISOR. Non-discretionary authority requires THE ADVISOR to obtain Client s prior approval of each specific transaction prior to executing investment recommendations, as well as for the selection and retention of subadvisors to the account. THE ADVISOR will act in accordance with a Statement of Investment Policy (or similar document used to establish Client s objectives and suitability), regardless of whether authority is discretionary or non-discretionary. THE ADVISOR will only execute transactions for Clients when specifically requested and authorized by the Client in writing (via a fully executed limited power of attorney LPOA ). B, C THE ADVISOR and Client will enter into an agreement which details the scope of the relationship and responsibilities of both THE ADVISOR and Client. Advice and services provided under the agreement are tailored to the particular objectives of the Client(s). These services include the following: 1. Portfolio Analysis: Determining if present investments are appropriate for risk tolerance, tax bracket, longer term goals and investment time horizon. 2. Asset Allocation: A personalized asset allocation will be developed based on the client s needs and objectives. Clients will be taught how to balance investments to hedge against inflation and unpredictable economic cycles. Diversification will be stressed to enable the client to reduce portfolio risk while enhancing returns. Clients will be discouraged from restricting investments to particular assets or asset classes given THE ADVISOR s belief that doing so minimizes diversification and adds unnecessary volatility. 3. Commission-Free Investing: No-load, low expense mutual funds will be analyzed and specific recommendations made. The client will have the option of self-directing the purchase of these funds or investing through THE ADVISOR s third party custodian, Scottrade. Clients may impose restrictions in 4

5 investing in certain securities or types of securities in accordance with their values or beliefs. Examples of client restrictions include the use of socially responsible investments, avoiding investments in specific companies and avoiding investments in specific geographical areas. However, if the restrictions prevent THE ADVISOR from properly servicing the client account, THE ADVISOR reserves the right to end the relationship. 4. Tax Planning and Preparation: Personal Income tax returns will be prepared and the client will be provided with year round professional advice on minimizing taxes. The client will also be provided with record keeping systems to assist in maximizing tax savings. 5. Financial Planning: The client will be guided in setting attainable goals for the near term and for the future. 6. Retirement Planning: The client will be assisted in determining when he/she wishes to retire and how much money is needed to meet his/her goals. The client will also learn how to adjust savings and spending to reach goals. 7. Risk Review: Working as a team with licensed insurance professionals, a client s insurance needs will be reviewed and the client will be advised regarding his/her risk management needs. Any unnecessary coverage(s) will be identified and recommended for cancellation. 8. Estate Planning: While THE ADVISOR is not an attorney, and does not provide legal counsel or prepare legal documents, THE ADVISOR will assist client in understanding the estate planning documents needed or already own. Emphasis is placed on ensuring estate plan is consistent with client s planning goals, avoiding probate, and minimizing estate taxes. 9. Special Needs: Other areas such as education planning, budgeting, debt reduction, home purchase analysis, charitable giving, and qualified plan/ira roll-overs will be addressed as appropriate. D E No Participation in Wrap Fee Programs. THE ADVISOR does not participate in any wrap fee programs. No Management of Client Assets. THE ADVISOR does not manage client assets. THE ADVISOR s role is to make investment and planning recommendations. THE ADVISOR does not have authority over client funds and does not execute trades in Client accounts without their approval. THE ADVISOR provides the following four types of services: 1. Financial Review A Financial Review consists of a two hour review of up to three financial planning topics selected in advance by the client. No follow-up services are provided with the Financial Review. Implementation of the Financial Review recommendations is entirely at the client's discretion. However, if the client wishes to have THE ADVISOR assist in the implementation of the Financial Review, THE ADVISOR and the client will discuss various retainer options. 2. Open Retainer An Open Retainer provides holistic/comprehensive financial planning for a fixed fee over the course of one year. Clients will have six to eleven scheduled meetings during the Initial Year, depending on their individual situation, and generally three or four scheduled meetings during Renewal Years. In addition to scheduled meetings, additional face-toface, and/or phone consultations are included at no additional charge. 5

6 Services provided may include, but are not limited to: Tax preparation, tax planning, insurance review, inventory of assets, analysis of financial goals, portfolio analysis, development of an asset allocation strategy, no-load mutual fund recommendations, retirement planning and estate plan reviews. Should an Open Retainer client wish to take advantage of investing in institutional-level mutual funds offered through Dimensional Fund Advisors, such investments are only available via THE ADVISOR S qualified custodial relationship with Scottrade. Initial Year of Open Retainer - Scheduled meeting topics are listed below. THE ADVISOR will schedule meetings to cover those topics relevant to you, such as: - Asset allocation strategies - Budgeting and cash flow - Education planning - Employee benefit analysis - Estate planning - Goal setting - Insurance analysis - Inventory of assets - Investment strategy & selection - Portfolio/net worth analysis - Real estate (primary or investment) - Record-keeping - Retirement planning - Small business planning - Tax planning - Tax preparation - Other financial planning or financial services as requested by the client Renewal Years of Open Retainer - Typical scheduled meetings: - Investment strategy review & update - Portfolio rebalancing - Portfolio/net worth update - Retirement projection - Tax planning - Tax preparation - Other financial planning or financial services as requested by the client 3. Project Retainer If an Open Retainer relationship is not desired or practical, Project Retainer services are also offered. Project Retainer services are narrower in scope and usually focus on one or more of the following areas: goal setting, asset/liability analysis, tax planning, cash flow management, investment review, retirement planning, risk management, estate planning and record keeping. The service includes various client consultations as well as written and/or oral recommendations resulting from such consultations. The Project Retainer does not constitute a comprehensive financial planning engagement and follow-up advice and/or implementation assistance is not provided following the completion of the project. Additionally, tax return preparation is not automatically included with the Project Retainer, but may be purchased as a separate service, at the client s request, for an additional fee. If a client wishes to upgrade to the Open Retainer option, they may receive credit toward Open Retainer fees for all amounts paid under Project Retainer agreements for the past six months. Item 5 Fees and Compensation A Compensation THE ADVISOR is a Fee-Only firm. THE ADVISOR is compensated solely by professional fees received directly from clients. Neither THE ADVISOR nor any related person receives compensation that is contingent on the purchase or sale of a financial product. Neither THE ADVISOR nor any related person accepts any sales commissions, referral fees, service fees or other form of compensation from any third party, nor does THE ADVISOR or any related person compensate anyone else directly or indirectly for client referrals. All fees are generally non-negotiable and are paid as described below, directly by the client. Lower fees for comparable services may be available from other sources. 6

7 B Fee Billing The specific manner in which fees are charged by THE ADVISOR is established in a client s written agreement with THE ADVISOR. Fees are calculated on a number of factors, primarily income, net worth and the complexity of the client s situation. Fees are paid quarterly. Depending on the clients preference and financial situation, THE ADVISOR can directly debit fees directly from client investment accounts or the client can pay THE ADVISOR directly from their personal accounts. C D E F Other fees In addition to THE ADVISOR s fee, clients may incur certain other fees and charges to implement THE ADVISOR s recommendations. Additional charges and fees will be imposed by custodians, brokers, third party investment and other third parties, such as fees charged by managers, custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes. Mutual funds and exchange traded funds also charge internal management fees, which are disclosed in a fund s prospectus. Such charges, fees and commissions are exclusive of and in addition to THE ADVISOR s fee. Past Due Accounts and Termination of Agreement THE ADVISOR reserves the right to stop work on any account that is more than 30 days overdue. In addition, THE ADVISOR reserves the right to terminate any financial planning engagement where a client has willfully concealed or has refused to provide pertinent information about financial situations when necessary and appropriate, in THE ADVISOR s judgment, to providing proper financial and tax advice. Either the client or THE ADVISOR may terminate an engagement at any time, without penalty, upon written notice. Upon termination of any agreement, any prepaid, unearned fees will be promptly refunded, and any earned, unpaid fees will be due and payable. Prepaid but unearned client fees will be promptly refunded on a pro-rata basis based on the number of days remaining in the monthly billing period. No Commissions THE ADVISOR does not sell insurance or investment products, and does not accept commissions as a result of any product recommendations. THE ADVISOR does not pay referral or finder's fees, nor does it accept such fees from other firms. Fee Structure Financial Review The cost for a Financial Review is a flat fee of $ One-half of the fee is due when the Agreement is signed. The other half is due at the beginning of the Financial Review appointment. Fee paid for the Financial Review can be applied to the Open Retainer Fee if the Client signs within 30 business days after the Financial Review presentation. Open Retainer Initial Year of Open Retainer: $3,000 - $20,000 Renewal Years of Open Retainer: $2,000 - $16,000 Fees are calculated annually and payable monthly or quarterly, in advance. Fees are calculated based on the client(s) total income, assets, and overall complexity of their financial situation. Project Retainer Services under the Project Retainer are typically provided on a flat-fee basis. THE ADVISOR may negotiate an hourly fee of up to $250 per hour for specific project requests. Flat fee Project Retainers are due in full at the beginning of the engagement. In THE ADVISOR s sole discretion, fees may be paid with one-half due at the beginning of the engagement and the remainder upon completion. In no event will THE ADVISOR collect more than $ more than six months in advance from any client. Item 6 Performance-Based Fees and Side-By-Side Management 7

8 THE ADVISOR does not charge any performance-based fees (fees based on a share of capital gains on or capital appreciation of the assets of a client). Item 7 Types of Clients THE ADVISOR provides holistic financial planning and investment advisory services primarily to individuals, families, business owners, and not-for-profit organizations. We strive to work with people from all different walks of life. As such, we maintain no minimum net-worth or asset requirements. As discussed above, your chosen relationship agreement and fee will be based upon your individual circumstances. Item 8 Methods of Analysis, Investment Strategies and Risk of Loss Academic research suggests that asset class selection is the prime determinant of overall investment performance. THE ADVISOR therefore pursues an asset class-based investment strategy with exposure to high quality US and foreign bonds and domestic and international companies of various sizes. Performance is maximized by owning the market via no-load funds and pursue a passive investment strategy that avoids making any market timing or individual stock bets. Owning no-load passive mutual funds also minimizes costs and maximizes tax efficiency given their low turnover. In order to further increase tax efficiency, THE ADVISOR holds taxable bonds whenever possible in tax deferred accounts. THE ADVISOR strongly believes in the efficiency of the market and that it is not possible to consistently outperform over time by trying to time the market or attempting to pick individual winning securities, an approach known as active management. While it may be true that pricing inefficiencies exist at any given moment, these are best fleeting and quickly corrected. THE ADVISOR therefore believes that, in spite of these momentary inefficiencies, stock prices are always fairly set given that all available information is quickly reflected in the given stock s market value. The fact that this price may fluctuate as new information is processed by market participants has no bearing on whether one can accurately predict a stock s future performance. Moreover, THE ADVISOR approaches investment portfolio analysis and implementation based on internal factors such as your tax situation, overall risk tolerance, current financial situation, and your personal goals and aspirations. After identifying these items, client portfolio will be structured around individual needs, while minimizing negative effects of external factors, such as interest rates, market performance, and the economy as a whole. In general, THE ADVISOR recommends no-load mutual funds (i.e., mutual funds that have no sales fees), exchange traded funds, U.S. government securities, money market accounts, certificates of deposit, and individual bonds (corporate, agency and municipal). Client portfolios will typically be constructed of institutional class; no-load, passively invested mutual funds from Dimensional fund Advisors (DFA). THE ADVISOR is a DFA approved Advisor. THE ADVISOR may also utilize no-load index mutual funds and Exchange Traded Funds (ETFs) from the Vanguard Group. However, in the course of providing investment advice, THE ADVISOR may address issues related to other types of assets that the client may already own. Any other products that may be deemed appropriate will be discussed, based upon the client s goals, needs and objectives. Risk of Loss Any investing in securities involves risk of loss that clients should be prepared to bear. While THE ADVISOR will use its best judgment and good faith efforts in rendering services to client, not every investment decision or recommendation made by THE ADVISOR will be profitable. THE ADVISOR cannot warrant or guarantee any particular level of account performance, or that an Account will be profitable over time. Client assumes all market risk involved and understands that investment decisions are subject to various market, currency, economic, political and business risks. 8

9 Item 9 Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of THE ADVISOR or the integrity of THE ADVISOR s management. THE ADVISOR has no information to disclose applicable to this Item. Item 10 Other Financial Industry Activities and Affiliations THE ADVISOR is not owned or affiliated with any other financial services company, broker-dealer, banking or thrift institution, account or law firm, or insurance agency. THE ADVISOR has no arrangements that are material to its advisory services or its clients with a related person who is a broker-dealer, investment company, other investment advisor, financial planning firm, commodity pool operator, commodity trading advisor or futures commission merchant, banking or thrift institution, accounting firm, law firm, insurance company or agency, pension consultant, real estate broker or dealer, or an entity that creates or packages limited partnerships. THE ADVISOR is a member of the Alliance of Comprehensive Planners (ACP). This non-profit organization provides training and support through an alliance of fee-only comprehensive advisors working with a broad range of clients. As a member of ACP, THE ADVISOR has the right to use proprietary products and systems designed by ACP. ACP also provides ongoing training in the form of periodic seminars and annual conferences. The particular expertise of individual ACP members in areas applicable to financial planning is also readily shared among members. THE ADVISOR is a National Association of Personal Financial Advisors (NAPFA) registered Financial Advisor. NAPFA is the nation s leading organization of Fee-Only comprehensive financial planning professionals. A NAPFA registered Financial Advisor is the top level membership category in NAPFA and requires a broad-based advanced education in financial planning and three years of comprehensive planning experience. NAPFA Registered Financial Advisors must offer comprehensive planning services and submit a sample comprehensive financial plan to a peer review. THE ADVISOR is a DFA Approved Investment Advisor enabling it to offer DFA institutional class, open-ended, noload mutual funds to clients. THE ADVISOR receives no financial compensation from DFA for offering DFA Funds. THE ADVISOR receives on-going training and practice management support from DFA. THE ADVISOR believes that this support does not materially affect the objectivity of its investment recommendations and remain free to offer non-dfa investments to clients where appropriate. THE ADVISOR is a member of the Financial Planning Association (FPA) and the National Association of Tax Preparers (NATP). THE ADVISOR has and will continue to develop professional relationships with professionals who provide services it does not provide, including: legal, accounting, mortgage brokerage, banking, insurance brokerage, investment management services and other personal services. To reduce any potential conflicts, we typically offer clients multiple referrals and encourage clients to also consider other sources for referrals. We do not pay or receive referral fees. Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A Code of Ethics THE ADVISOR seeks to avoid material conflicts of interest. Accordingly, neither THE ADVISOR nor its investment adviser representatives nor its team members receive any third party direct monetary compensation (i.e., commissions, 12b-1 fees, or other fees) from brokerage firms (custodians) or mutual fund companies. However, some additional services and non-direct monetary or other forms of compensation may be offered and provided to THE ADVISOR as a result of its relationships with custodian(s) and/or providers of mutual 9

10 fund products. For example, THE ADVISOR s representatives and employees may be invited to attend educational conferences and/or entertainment events sponsored by such brokerage firms or custodians or mutual fund companies. THE ADVISOR believes that the services and benefits provided to it by brokerage firms (custodians) and mutual fund providers do not materially affect the investment management recommendations made to clients. However, in the interest of full disclosure of any potential conflicts of interest, we discuss the possible conflicts herein. Although THE ADVISOR believes that its business methodologies, ethics rules, and adopted policies are appropriate to eliminate, or at least minimize, potential material conflicts of interest, and to appropriately manage any material conflicts of interest that may remain, clients should be aware that no set of rules can possibly anticipate or relieve all potential material conflicts of interest. In any event, THE ADVISOR will disclose to advisory Clients any material conflict of interest relating to THE ADVISOR, its representatives, or any of its employees which could reasonably be expected to impair the rendering of unbiased and objective advice. THE ADVISOR shall provide a copy of its Code of Ethics to any client or prospective client upon request. B Participation or Interest in Client Transactions and Personal Trading THE ADVISOR does not currently participate in securities in which it has a material financial interest. THE ADVISOR and its related persons, as a matter of policy, do not recommend to clients, or buy or sell for client accounts, securities in which the firm or its related persons has a material financial interest. THE ADVISOR or individuals associated with THE ADVISOR may buy and sell some of the same securities for its own account that THE ADVISOR buys and sells for its Clients. When appropriate THE ADVISOR will purchase or sell securities for Clients before purchasing or selling the same securities for THE ADVISOR s own account. In some cases THE ADVISOR may buy or sell securities for its own account for reasons not related to the strategies adopted by THE ADVISOR s Clients. The Code of Ethics is designed to assure that the personal securities transactions will not interfere with making decisions in the best interest of advisory clients while at the same time, allowing employees to invest for their own accounts. Certain classes of securities, such as open ended mutual funds, are designated as exempt transactions, meaning employees may trade these without prior permission because such trades would not materially interfere with the best interest of THE ADVISOR s clients. Nonetheless, because the Code of Ethics permits employees to invest in the same securities as clients, there is a possibility that employees might somehow benefit from the market activity of a client. Accordingly, when applicable, employee trading is monitored under the Code of Ethics, and to reasonably prevent conflicts of interest between THE ADVISOR and its clients. THE ADVISOR will disclose to advisory Clients any material conflict of interest relating to THE ADVISOR, its representatives, or any of its employees which could reasonably be expected to impair the rendering of unbiased and objective advice. THE ADVISOR will notify Clients in advance of its policies in respect to officers trading for their own account including the potential conflict of interest that arises when recommending securities to Clients in which THE ADVISOR or its principal holds a position. Item 12 Brokerage Practices THE ADVISOR receives no research or other soft dollar benefits. THE ADVISOR does not receive research or other products and services in connection with client securities transactions. Any research or product information received is publicly available or received though participation in professional organizations as outlined in Item 10. Clients may choose the brokerage firm to implement the investment recommendations. In recommending a brokerage firm, we consider: Financial integrity and strength of the firm Availability of no-load mutual funds we regularly recommend Reasonable transaction costs and account fees 10

11 Willingness and ability of broker to work effectively with the client Usefulness of reporting services Publicly-available research and other services THE ADVISOR does not receive any compensation or services in connection to its recommendation of a particular brokerage firm. THE ADVISOR does not execute transactions for clients, therefore directed brokerage and aggregation of sales or purchases is not applicable. Item 13 - Review of Accounts Paul Cordero, founder and principal of the firm, is responsible for reviewing and assessing financial recommendations made to you. All accounts are reviewed at least annually. Clients may request more frequent reviews of their accounts at any time. Factors triggering review may include significant changes in your financial condition, changes in the fundamentals of the companies or entities issuing securities, price fluctuations and significant economic or industry developments. Clients will be provided the Supplemental Brochure (Form ADV Part 2B) for THE ADVISOR. Financial planning clients receive financial plan recommendations periodically during the term of their engagement of THE ADVISOR. Clients that maintain a brokerage account will be provided a statement by the custodian holding the account at least quarterly which includes a list of all assets held in the account, asset values, and all transactions affecting the account assets, including any additions or withdrawals. A net worth statement, including a summary of assets, is generally reviewed with the client at least annually. Item 14 - Client Referrals and Other Compensation THE ADVISOR is a Fee-Only financial planning firm and does not sell insurance or investment products, nor does it accept commissions as a result of any product recommendations. THE ADVISOR does not pay referral or finder's fees, nor does it accept such fees from other firms. Item 15 Custody THE ADVISOR does not have custody over Client funds and securities. Accordingly, THE ADVISOR shall have no liability to the Client for any loss or other harm to any property in the account. Clients will receive at least quarterly statements from the broker-dealer, bank or other qualified custodian that holds and maintains client s investment assets. THE ADVISOR urges all clients to carefully review such statements and compare such official custodial records to any statements that we may provide to you. THE ADVISOR may also provide clients with periodic reports on client s account. These reports may vary from custodial statements based on accounting procedures, reporting dates, or valuation methodologies of certain securities. Item 16 - Investment Discretion Non-discretionary authority requires THE ADVISOR to obtain Client s prior approval of each specific transaction prior to executing investment recommendations, as well as for the selection and retention of sub-advisors to the account. THE ADVISOR will ensure that before recommending other advisers that the other advisers are properly licensed or registered as an investment adviser. THE ADVISOR will act in accordance with a Statement of Investment Policy (or similar document used to establish Client s objectives and suitability), regardless of whether authority is discretionary or 11

12 non-discretionary. THE ADVISOR will only execute transactions for Clients when specifically requested and authorized by Client in writing (via a fully executed limited power of attorney LPOA ). Unless specifically requested and authorized in writing by Client (with such request accepted by THE ADVISOR), THE ADVISOR does not execute recommendations on behalf of clients. Clients are responsible, but under no obligation, to implement any recommendations made by THE ADVISOR. Item 17 Voting Client Securities As a matter of firm policy and practice, THE ADVISOR does not have any authority to and does not vote proxies on behalf of advisory clients. Clients retain the responsibility for receiving and voting proxies for any and all securities maintained in client portfolios. At the request of a client, THE ADVISOR may provide advice to clients regarding the clients voting of proxies. Item 18 Financial Information Registered Investment Advisers are required to provide you with certain financial information or disclosures about their financial condition. THE ADVISOR has no financial commitment that impairs its ability to meet contractual and fiduciary commitments to clients, and has not been the subject of a bankruptcy proceeding. Item 19 Requirements for State-Registered Advisors EDUCATION & BUSINESS BACKGROUND Certifications and Professional Designations CERTIFIED FINANCIAL PLANNER Certificant - July 2014 The Certified Financial Planner, CFP and federally registered CFP (with flame design) marks (collectively, the CFP marks ) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. ( CFP Board ). The CFP certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP certification in the United States. To attain the right to use the CFP marks, an individual must satisfactorily fulfill the following requirements: Education Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; Examination Pass the comprehensive CFP Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one s ability to correctly diagnose financial planning issues and apply one s knowledge of financial planning to real world circumstances; Experience Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and Ethics Agree to be bound by CFP Board s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP professionals. 12

13 Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP marks: Continuing Education Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and Ethics Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP professionals provide financial planning services at a fiduciary standard of care. This means CFP professionals must provide financial planning services in the best interests of their clients. CFP professionals who fail to comply with the above standards and requirements may be subject to CFP Board s enforcement process, which could result in suspension or permanent revocation of their CFP certification. IRS Enrolled Agent (EA) Certification of Enrollment April 2013 An EA is a federally authorized tax practitioner who has technical expertise in the field of taxation and who is empowered by the U.S. Department of the Treasury to represent taxpayers before all administrative levels of the IRS for audits, collections, and appeals. Enrolled means to be licensed to practice by the federal government and Agent means authorized to appear in the place of the taxpayer at the IRS. Only Enrolled Agents, attorneys, and CPAs may represent any taxpayer before the IRS. The license is earned in one of two ways: (1) passing a comprehensive examination which covers all aspects of the tax code, or (2) having worked at the IRS for five years in a position which regularly interpreted and applied the tax code and its regulations. All candidates are subjected to a rigorous background check conducted by the IRS. In addition to the stringent testing and application process, the IRS requires Enrolled Agents to complete 72 hours of continuing professional education, reported every three years, to maintain their Enrolled Agent status. Enrolled Agents are required to abide by the provisions of the Department of Treasury s Circular 230, which provides the regulations governing the practice of Enrolled Agents before the IRS. Education: Golden Gate University - Graduate Certificate in Personal Financial Planning (2007) Series 65: Registered Investment Advisor ( Active) Series 7 & Series 66 Securities License (2008 Inactive) California Life & Health Insurance License (2008 Inactive) San Francisco State University MBA w/ emphasis in Accounting (1996) San Francisco State University BA in Industrial/Organizational Psychology (1990) Business Background for the preceding 10 years: PF Cordero Financial Planning San Rafael, CA, Owner (2011) Roost Sausalito, CA, Senior Accountant ( ) Edward Jones Investments Novato, CA, Investment Advisor Representative (2008) Fireman s Fund Insurance Novato, CA, Senior Auditor ( ) Gymboree Corp. San Francisco, CA Accounting Manager ( ) Williams-Sonoma, Inc. San Francisco, CA Accounting Manager ( ) 13

14 Neither THE ADVISOR nor any management personnel of THE ADVISOR have ever been found liable or required to pay any award for an arbitration claim or other civil proceeding related to an investment related activity. No Performance Based Fees. THE ADVISOR does not use a performance- based fee structure. There is no disciplinary history. 14

15 Supplemental Disclosure Brochure Paul Cordero, CFP, EA 7250 Redwood Blvd. Suite #300 Novato, CA (415) September 9, 2015 This Brochure Supplement provides information about Paul Cordero that supplements the PF Cordero Financial Planning Brochure. You should have received a copy of that Brochure. Please contact Paul Cordero at paul@corderofinancial.com if you did not receive PF Cordero Financial Planning s Brochure or if you have any questions about the contents of this supplement. Additional information about Paul Cordero is available on the SEC s website at 15

16 Item 2- Educational Background and Business Experience EDUCATION & BUSINESS BACKGROUND Certifications and Professional Designations CERTIFIED FINANCIAL PLANNER Certificant - July 2014 The Certified Financial Planner, CFP and federally registered CFP (with flame design) marks (collectively, the CFP marks ) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. ( CFP Board ). The CFP certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP certification in the United States. To attain the right to use the CFP marks, an individual must satisfactorily fulfill the following requirements: Education Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; Examination Pass the comprehensive CFP Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one s ability to correctly diagnose financial planning issues and apply one s knowledge of financial planning to real world circumstances; Experience Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and Ethics Agree to be bound by CFP Board s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP marks: Continuing Education Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and Ethics Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP professionals provide financial planning services at a fiduciary standard of care. This means CFP professionals must provide financial planning services in the best interests of their clients. CFP professionals who fail to comply with the above standards and requirements may be subject to CFP Board s enforcement process, which could result in suspension or permanent revocation of their CFP certification. IRS Enrolled Agent (EA) Certification of Enrollment April 2013 An EA is a federally authorized tax practitioner who has technical expertise in the field of taxation and who is empowered by the U.S. Department of the Treasury to represent taxpayers before all administrative levels of the IRS for audits, collections, and appeals. Enrolled means to be licensed to practice by the federal government and Agent means authorized to appear in the place of the taxpayer at the IRS. Only Enrolled Agents, attorneys, and CPAs may represent any taxpayer before the IRS. 16

17 The license is earned in one of two ways: (1) passing a comprehensive examination which covers all aspects of the tax code, or (2) having worked at the IRS for five years in a position which regularly interpreted and applied the tax code and its regulations. All candidates are subjected to a rigorous background check conducted by the IRS. In addition to the stringent testing and application process, the IRS requires Enrolled Agents to complete 72 hours of continuing professional education, reported every three years, to maintain their Enrolled Agent status. Enrolled Agents are required to abide by the provisions of the Department of Treasury s Circular 230, which provides the regulations governing the practice of Enrolled Agents before the IRS. Licenses & Education: Golden Gate University - Graduate Certificate in Personal Financial Planning (2007) Series 65: Registered Investment Advisor ( Active) Series 7 & Series 66 Securities License (2008 Inactive) California Life & Health Insurance License (2008 Inactive) San Francisco State University MBA w/ emphasis in Accounting (1996) San Francisco State University BA in Industrial/Organizational Psychology (1990) Business Background for the preceding 10 years: PF Cordero Financial Planning San Rafael, CA, Owner (2011) Roost Sausalito, CA, Senior Accountant ( ) Edward Jones Investments Novato, CA, Investment Advisor Representative (2008) Fireman s Fund Insurance Novato, CA, Senior Auditor ( ) Gymboree Corp. San Francisco, CA Accounting Manager ( ) Williams-Sonoma, Inc. San Francisco, CA Accounting Manager ( ) Item 3- Disciplinary Information Registered Investment Advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. There is no information to disclose applicable to this Item. Item 4- Other Business Activities Paul Cordero is not actively engaged in any outside investment related business activities and has no relationships which would create a material conflict of interest with clients. Paul Cordero does not receive commissions, bonuses or other compensation based on the sale of securities or other investment products Paul Cordero is not actively engaged in any business or occupation which provides a substantial source of income or involves a substantial amount time. 17

18 Item 5- Additional Compensation Paul Cordero does not receive any additional compensation (or other economic benefit) for providing investment advisory services. Item 6 - Supervision Paul Cordero is PF Cordero Financial Planning s principal, owner and sole investment adviser. Item 7- Requirements for State-Registered Advisors I have never been subject to any arbitration claim or any other proceedings (civil, self-regulatory organization or administrative) related to investments, fraud, theft, bribery or dishonest, unfair or unethical practices. I have never been the subject of any bankruptcy petition. 18

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