REGULATORY INFO

Forms ADV 2A and ADV 2B (Last Updated: 8/8/24)  

PRIVACY POLICY FOR WEBSITE VISITORS

WorthyNest® LLC is a virtual fee-only, fiduciary wealth management firm based in Saint Charles, MO that serves clients nationally. We collect personal information from website visitors, including device data, location information, cookies, demographics, interests, and user interactions. We do not share your personally identifiable information with third parties and employ SSL certificates on each page of our website to ensure privacy. Google Analytics retains this data for 26 months. If you subscribe to our email list, we collect your name and email address; this data is deleted when a user unsubscribes. Get in touch with us via email at info@worthynest.com or phone at (636) 344-9369 if you have further questions about our privacy policy and the type of data we collect.

DISCLAIMER

The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, WorthyNest® LLC (referred to as "WN") disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement and suitability for a particular purpose. WN does not warrant that the information will be free from error. None of the information provided on this website is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information is at your sole risk. Under no circumstances shall WN be liable for any direct, indirect, special, or consequential damages that result from the use of, or the inability to use, the materials on this site, even if WN or an authorized representative of WN has been advised of the possibility of such damages. In no event shall WorthyNest® LLC have any liability to you for damages, losses, and causes of action for accessing this site.

Information on this website should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.

WorthyNest® LLC is a registered investment adviser offering advisory services in the states of Missouri, Florida, and Texas and in other jurisdictions where exempted.  Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by WorthyNest® LLC in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant to an applicable state exemption. 

All written content on this site is for information purposes only. Opinions expressed herein are solely those of WorthyNest® LLC, unless otherwise specifically cited.  Material presented is believed to be from reliable sources, and no representations are made by our firm as to other parties’ informational accuracy or completeness.  All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel before implementation. 

PRIVACY POLICY FOR CLIENTS

WorthyNest® recognizes the importance of protecting our clients’ privacy. We have policies to maintain the confidentiality and security of your nonpublic personal information.  The following is designed to help you understand what information we collect from you and how we use that information to serve your account.

CATEGORIES OF INFORMATION WE MAY COLLECT

In the normal course of business, we may collect the following types of information:

  • Information you provide in the subscription documents and other forms (including name, address, social security number, date of birth, income, and other financial-related information); and

  • Data about your transactions with us (i.e. investments made and account status).

HOW WE USE THE INFORMATION THAT WE COLLECT

All nonpublic personal information that we receive concerning our clients who are natural persons is not shared with nonaffiliated third parties without prior notice to, and consent of, such clients, unless otherwise required by law.  In the normal course of business, we may disclose the kinds of nonpublic personal information listed above to nonaffiliated third-party service providers involved in servicing and administering products and services on our behalf.  Our service providers include, but are not limited to, our administrator, auditors, and legal advisor.  Additionally, we may disclose such nonpublic personal information as required by law (such as to respond to a subpoena, to satisfy a request from a regulator, or to prevent fraud).  We may disclose nonpublic personal information about you to governmental entities and others in connection with meeting our obligations to prevent money laundering including, without limitation, the disclosure that may be required by the Uniting and Strengthening America Act by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA PATRIOT) Act of 2001 and the regulations promulgated thereunder.  In addition, if we choose to dispose of our client’s nonpublic personal information that we are not legally bound to maintain, then we will do so in a manner that reasonably protects such information from unauthorized access.  The same privacy policy also applies to former clients who are natural persons.

CONFIDENTIALITY AND SECURITY

We restrict access to nonpublic personal information about our clients to those employees and agents who need to know that information to provide products and services to our clients.  We maintain physical, electronic, and procedural safeguards to protect our clients’ nonpublic personal information.  We respect and value that you have entrusted us with your private financial information, and we will work diligently to maintain that trust.  We are committed to preserving that trust by respecting your privacy as provided herein. 

If you have any questions regarding this privacy notice, contact us by emailing info@worthynest.com or calling (636) 344-9369.

DISCLOSURE OF THE BUSINESS CONTINUITY PLAN

WorthyNest® LLC (“WN”) has developed a Business Continuity Plan to respond to events that significantly disrupt business. Since the timing and impact of disasters and disruptions are unpredictable, the company will be flexible in responding to actual events as they occur. With that in mind, the following constitutes the company's business continuity plan.

CONTACTING US

If after a significant business disruption, you cannot contact the company as you usually do at (636) 344-9369 or info@worthynest.com, please go to the WN website or Facebook page for updates.

OUR BUSINESS CONTINUITY PLAN

WN plans to quickly recover and resume business operations after a significant business disruption and respond by safeguarding employees and property, making a financial and operational assessment, protecting the firm’s books and records, and allowing customers to transact business. In short, the business continuity plan is designed to permit the firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption. 

The business continuity plan addresses: data backup and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank, and counter-party impact; and regulatory reporting.

In the event of a significant business disruption, clients should contact their broker/dealer/custodian regarding the execution, comparison, allocation, clearance, and settlement of securities transactions, maintenance of customer accounts, access to customer accounts, and the delivery of funds and securities. 

WN maintains backup records locally and externally to the main office. While every emergency poses unique problems based on external factors, such as time of day and the severity of the disruption, the objective is to restore operations and be able to complete existing and accept new engagements within one to two business days.   

VARYING DISRUPTIONS

Significant business disruptions can vary in their scope.  Examples include disruptions to only the company, a single office, the local business district, the county, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption to only the company or a single office, the company will transfer operations to a local site as needed and expect to recover and resume business within one business day. In a disruption affecting our business district, county, or region, the company will transfer operations to a site outside of the affected area, and recover and resume business within two business days. In either situation, the company plans to continue business and notify you through the WN Facebook page or the website’s “Contact Us” page. If the significant business disruption is so severe that it prevents the company from remaining in business, provisions have been made to assure a refund of funds paid for services not yet rendered.

FOR MORE INFORMATION

If you have questions about our business continuity planning, please call (636) 344-9369 or email info@worthynest.com.