Legal

REGULATORY NOTICE

Physician Family Financial Advisors Inc. ("Physician Family") is a SEC registered investment adviser. Physician Family may only transact business in those jurisdictions in which it is registered or qualifies for an exemption or exclusion from registration requirements. Physician Family’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Physician Family’s web site on the Internet should not be construed by any consumer and/or prospective client as Physician Family’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Physician Family with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Physician Family a copy of the Firm’s current written disclosure statement discussing Physician Family’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or found on this website under “CRS and Disclosures.” This Firm Brochure can also be requested directly from Physician Family at no additional cost using the contact information contained in the footer of this page.
This website and information are provided for guidance and information purposes only. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This website and information are not intended to provide investment, tax, or legal advice. The information provided on the website may be time and date sensitive.
The number of physician clients served by Physician Family was calculated at 198 as of December 31, 2021 and may change from time to time. Physician Family is required to provide the SEC with the number of clients annually within the ADV Part 1A, this can be found on the SEC website, www.adviserinfo.sec.gov.
Information about the CFP® professional designation referenced here can be found at the CFP Board of Standards website. This professional designation does not guarantee that the investment adviser will provide a higher standard of care or more accurate advice to clients, all advisers are required to act as fiduciaries and be trained accordingly by the regulator and their respective firms.

Physician Family may provide links to articles, or other websites, while Physician Family has reason to believe the information linked to be reliable, current and valuable to its client, Physician Family provides these links on a strictly informational basis only and cannot be held liable for the accuracy, time sensitive nature or viability of any information shown on these sites.
The opinions expressed by Physician Family herein are those of the firm and are subject to change without notice. The opinions referenced are as of the date of publication and are subject to change due to changes in the market or economic conditions and may not necessarily come to pass. Any opinions, projections, or forward-looking statements expressed herein are solely those of author, may differ from the views or opinions expressed by other areas of the firm, and are only for general informational purposes as of the date indicated.
Third party ratings regarding W. Ben Utley were received in 2002, based upon criteria used to determine the rating, Mr. Utley has reason to believe that the process was true and accurate and provided the third party rater an opportunity to request both favorable and unfavorable responses from Physician Family when designing the award basis, there was no indication that the rater produced predetermined results. Physician Family was not compensated nor did Physician Family compensate the rater. The rater was the Medical Economics Magazine, based upon reader recommendations that found the chosen financial advisors for doctors to be knowledgeable. Advisors were evaluated based upon their credentials, education, experience, percentage of doctor clients and size of the investment firm. In addition, the rater reviewed public documents from the advisor, including financial plans, regulatory filings and compensation models.

PRIVACY POLICY

Physician Family Financial Advisors, Inc.   |   Effective Date: April 7, 2026   |   physicianfamily.com

1. Who this policy applies to

This policy applies to anyone who visits physicianfamily.com or any related landing pages operated by Physician Family Financial Advisors, Inc. It covers information collected through our website, not information you provide to us as part of an ongoing client relationship. If you're already a client, your financial information is handled under our separate client privacy practices.

2. Information we collect

We collect two types of information: information you choose to give us, and information that's automatically collected when you visit the site.

Information you give us

When you fill out a form, schedule a call, or sign up for our emails, you may provide us with:

• First name and last name
• Email address
• Phone number

We collect this through our scheduling forms (powered by Calendly), our email list signup forms (powered by ActiveCampaign), and our contact forms. If you pay for a financial planning service, Stripe processes your payment. We don't store your credit card details directly. Stripe handles all payment data and is responsible for its security.

Information collected automatically

When you visit our site, some information is collected automatically. This includes:

• Your IP address
• The type of browser and device you're using
• Which pages you visit and how long you spend on them
• The website that referred you to ours

This is standard information that any website collects when someone loads a page. We use it to understand how our site is performing and how visitors are finding us.

How our tracking works (the plain-language version)

We want to be upfront about something most websites don't explain: how our tracking infrastructure works, and why we think it's worth mentioning.

All data collection on our site runs through a first-party server-side setup. That's a technical way of saying that instead of your browser sending data directly to companies like Google or Meta, it goes through our own server first. Our server then decides what gets passed along and in what form.

What this means practically:

• No third-party cookies are being set in your browser. Your browser isn't being tracked across the web by advertising companies.
• Any personally identifiable information is hashed (encrypted into an unreadable format) before it ever leaves our server.
• We control what gets shared, not the platforms.

We think this is a meaningfully better approach than what most websites do, and we want you to know about it.

3. How we use your information

Here's exactly what we do with the information we collect:

• To schedule and hold financial planning consultations. When you book a call through Calendly, we use your name and email to set up the appointment and send you any follow-up information.
• To send you emails about our services. If you've signed up for our email list, we'll send you content we think is relevant to physician families. You can unsubscribe anytime with the link at the bottom of any email.
• To understand how our site is being used. We use Google Analytics 4 to see which pages are popular, how people find us, and where visitors tend to drop off. This helps us make the site better.
• To show relevant ads to people who've visited our site. If you've visited physicianfamily.com, you may see ads from us on other platforms. This is called remarketing. We use Meta for this. The data used to build these audiences is processed through our first-party server setup using hashed information, not raw personal data.
• To process payments. If you purchase a financial planning service, Stripe processes the payment. We use Stripe's records to manage your account and send receipts.

4. How we protect your information

We take a few specific steps to protect the information that moves through our site:

• All tracking runs through our own server before any data reaches a third-party platform. We own that layer, not the platforms.
• Personally identifiable information is hashed before transmission, meaning your email address or other details are converted into a scrambled code that can't be read by the platform receiving it.
• We don't sell your personal information to anyone. Ever.
• We don't share your personal information with third parties for their own marketing purposes.

We rely on reputable, industry-standard tools for email, scheduling, and payments. Each of those vendors is responsible for the security of data on their end, and we've chosen vendors with strong track records.

5. Third-party services we use

Here are the external tools that play a role in how our site works, what each one does, and links to their own privacy policies so you can read those directly if you'd like.

6. Cookies and tracking technologies

Our site uses first-party cookies, which are small text files stored in your browser that help the site remember you between visits. We don't use third-party cookies (cookies set by external ad networks that track you across different websites you visit).

Here's what our cookies are used for:

• Session management. Keeping track of your visit so the site works properly as you navigate between pages.
• Analytics. Helping us understand how visitors use the site through Google Analytics 4.
• Advertising remarketing. Building audiences of past visitors so we can show relevant ads on platforms like Meta. Because our tracking runs server-side through our own infrastructure, this happens without third-party cookies being set in your browser.

You can block or delete cookies through your browser settings at any time. Doing so may affect how some parts of the site work. You can also use Global Privacy Control (GPC), a browser-level privacy signal that we honor as a best practice. See our Do Not Sell or Share page for more information.

7. Your rights and choices

You have the right to know what we're collecting and to make choices about it. Here's what you can do:

• Request a copy of the information we have about you. Just email us.
• Request that we delete your data. We'll honor this request within 45 days and let you know when it's done.
• Opt out of marketing emails. Every email we send includes an unsubscribe link at the bottom.
• Opt out of remarketing. You can ask us to remove you from our advertising audiences by emailing us, or by visiting our Do Not Sell or Share My Personal Information page.
• Honor your browser's Global Privacy Control (GPC) signal. If your browser is set to send a GPC signal, we'll treat that as a request to opt out of data sharing for advertising purposes.

To exercise any of these rights, email us at contact@physicianfamily.com. We don't require you to create an account or jump through hoops to make a request. Just send us an email and we'll take care of it.

8. Data retention

We don't keep your data forever. Here's how long we hold different types of information:

• Website analytics data is retained for up to 14 months, which is the industry-standard period for meaningful year-over-year comparisons.
• Email subscriber information is kept as long as you remain subscribed. If you unsubscribe, your contact information is removed from active lists within 10 business days.
• Scheduling information from Calendly is retained as long as necessary to manage your appointment and any related follow-up.
• Lead and prospect data (information submitted through contact forms) is retained for up to 3 years from the date of submission, or until you request deletion.
• Payment records processed by Stripe are retained as required for tax, legal, and accounting purposes.

When we no longer need your information, we delete it or anonymize it so it can't be connected back to you.

9. Children's privacy

Our website and services are intended for adults, specifically physician families navigating financial decisions. We don't knowingly collect personal information from anyone under the age of 13. If you believe a child has submitted personal information through our site, please contact us at contact@physicianfamily.com and we'll delete it promptly.

10. Changes to this policy

We'll update this policy when our practices change. When we do, we'll update the effective date at the top of the page. If a change is significant, we may also send an email notice to our subscriber list. We encourage you to review this page periodically.

11. Contact us

If you have any questions about this privacy policy or how we handle your information, please reach out:

We're happy to answer questions and we'll respond to data requests within 45 days.

COPYRIGHT NOTICE

All text content © Physician Family Financial Advisors Inc. All rights reserved. All material contained herein is copyright protected and may not be reproduced in any manner without the express written permission of the copyright owner. All logos and trademarks are the exclusive intellectual property of the owners and are reproduced here by permission.