Client Vault


Legal Disclaimer
Effective Date: June 20, 2008

Welcome to the Web site for Andrews, Lucia Wealth Management LLC (ALWM) – also referred to hereinafter as the “Site.” This Site provides you with general information about the financial and other products and services of ALWM. PLEASE READ THESE TERMS OF USE CAREFULLY. By accessing and using this Site, you acknowledge that you have read, understand, and agree to be bound by all of the terms and conditions set forth below. We reserve the right to amend these terms of use from time to time by posting the amended terms on this Site.

This Site is made available to all persons aged 18 or older who agree to be bound by the terms and conditions set forth in these terms of use. You agree not to modify, reproduce, distribute, rent, lease, loan, sell, or create derivative works based upon the materials on this Site, or post any content from this Site to newsgroups, mail lists or electronic bulletin boards, without the prior written consent of an authorized representative of ALWM.

By clicking on any of the links, you acknowledge that the link is solely for your convenience and is for informational purposes only, and does not necessarily imply any affiliations, sponsorships, endorsements or representations whatsoever by us regarding third-party Web sites. We are not responsible for the content, accuracy, availability or privacy policies of these sites, and shall not be responsible or liable for any information, opinions, advice, products or services available on or through them. Independent advice should be sought in all cases.

Any personal information submitted by you on this Site is maintained in accordance with our Privacy Policy. Please carefully review our policy below.

Neither the information nor any opinion expressed on this Site constitutes an offer by ALWM to buy or sell any securities or financial instruments, or to provide any investment advice or service. The services, securities and financial instruments described on this Site may not be available to or suitable for you, and not all strategies are appropriate at all times. The value and income of any of the securities or financial instruments mentioned on this Site can fall as well as rise, and an investor may get back less than he or she invested. Foreign-currency denominated securities and financial instruments are subject to fluctuations in exchange rates that could have a positive or adverse affect on the value, price or income of such securities and financial instruments. Past performance is not necessarily a guide to future performance. Independent advice should be sought in all cases.

None of the investment products or services mentioned on this Site are available, and prospectuses in respect of them will not be distributed, to persons resident in any state or territory where such distribution would be contrary to local law or regulation.

ALWM is a Registered Investment Advisor. This web site is not a solicitation or offer to sell investment advisory services. ALWM provides individual client services only in states in which it is filed or where an exemption or exclusion from such filing exists.


The following information is provided, as required by law, to help you understand our privacy policy and how we will handle and maintain confidential personal information as we fulfill our obligations to protect your privacy. “Personal information” refers to the nonpublic financial information obtained by Andrews, Lucia Wealth Management LLC (hereinafter “The Firm”) in connection with carrying out its services.

Information We Collect
The Firm collects personal information as part of our relationship to you, to provide client services and fulfill legal and regulatory requirements. The type of information The Firm collects may include:

  • Information The Firm receives from you on forms (such as name, address, Social Security number, assets and income);
  • Information you provide The Firm directly about your personal finances or personal circumstances or which The Firm may receive from brokerage statements or other information you authorize The Firm to receive.

Information Disclosed In Administering Products and Services
The Firm will not disclose personal information about current or former clients to non-affiliated third parties except as permitted or required by law. The Firm does not sell any personal information about you to any third party. The Firm will not disclose personal information without your authorization, except as required or permitted by law.

Procedures to Protect Confidentiality and Security of Your Personal Information
The Firm has procedures in place that limit access to personal information to those employees who need to know such information in order to perform business services. The Firm educates our employees on the importance of protecting the privacy and security of confidential personal information.

The Firm will update its policy and procedures when necessary to ensure that your privacy is maintained and that The Firm conducts business in a way that fulfills our commitment to you. If The Firm makes any material changes in its privacy policy, we will make that information available to clients through our Web site and/or other communications.

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