In Perspectives

As the Thanksgiving holiday passes and we enter the Christmas season, I typically like to take time to reflect.  I, for one, feel like I have much to be thankful for.

This year brought a number of changes for me personally, professionally and for my family.  We successfully moved from out of state.  My wife and I each found new jobs, and we have been welcomed graciously into this wonderful new community.  Living closer to family already in Michigan or nearby has made for some very happy grandparents!  Grand Rapids has yet to see significant snow and we have had a very mild Fall.  I could go on and on about the great things I have experienced in 2015.

As I was reviewing my 2015 business plan, I stumbled upon a goal of mine that was to adopt an Attitude of Gratitude.  Although not a numbers-based goal, it is a personal aspiration that can pay many dividends.  My mind became flooded with all of the things I am grateful for.  It also reminded me of some of the tougher times I experienced this year and I immediately saw them from a different perspective. A much better perspective!

Sometimes, it is the tough times that allow us to appreciate the good times in our lives.  Why wait for the hard times to express what we are grateful for?  Why not remind ourselves daily of what and who we are and should be thankful for?

And while good things are happening, it is important to recognize and to embrace those moments.  I will admit, this has been difficult for me at times.  Experiencing the joy of a precious moment can be a frightening, vulnerable event.

When I intentionally practice an Attitude of Gratitude, it is truly amazing how much easier my life becomes.  Problems seem to be much easier to solve.  I am more positive, productive and proactive.  A subtle shift in mindset can be particularly transformative.  Each of us can easily come up with things to complain about; knowing full well it is not an exercise in productivity.  Seeing the good and being thankful is empowering and progress becomes much more achievable.  Not to mention, gratitude is contagious and something that can catch on quickly.

I will look back on the year of 2015 with a smile.  And, hopefully that thought will also cause me to pause and to remember to keep my Attitude of Gratitude alive and top of mind.  For 2016, one of my goals will be to practice gratitude at least once each day.

While I have the opportunity, let me kick off the gratitude season.  I am thankful for the clients of Legacy Trust, because without whom, this wonderful place called Legacy Trust would not exist.

The very best to each of you and your family in the upcoming year of 2016.

Legacy Trust and Your Right to Financial Privacy

At Legacy Trust we have established policies and practices that respect the financial privacy of all individuals who use our trust company. We believe it is critical to comply with the laws and regulations designed to secure your financial privacy. Your relationship with us as our client is very important to us, and we want you to understand our policies and practices about handling your information.

This Policy applies to you – This Policy applies to our relationships with individual clients who inquire about or obtain products or services from us for personal, family and household purposes.

Strict security measures – We take the security of information very seriously. We have established security standards and procedures to prevent access to client information. We maintain physical, electronic and procedural safeguards to guard client information.

Limited employee access – We have established procedures to limit employee access to information to only those employees with a business reason for accessing such information. We educate our employees about the importance of confidentiality and client privacy. We take appropriate disciplinary measures to enforce employee responsibilities regarding client information.

Why we collect information – We collect information about you to:

  • accurately identify you;
  • protect and administer your records, accounts and funds;
  • help us design or improve our products and services;
  • understand your financial needs;
  • save you time when you apply for new products and services; offer you quality products and services; and comply with certain laws and regulations;

We collect information – We collect and maintain your personal information so that we can provide investment management and other services to you. The types and categories of information that we collect and maintain about you include:

  • Information we receive from you to open an account or provide investment advice or other services to you (such as your home address, social security number, telephone, financial information and investment objectives).
  • Information that we generate to service your account or from our transactions with you (such as account statements and other financial information).
  • Information on your transactions with nonaffiliated third parties.

We have established procedures so that the financial information we collect is accurate, current and complete. We are committed to work with you to promptly correct any inaccurate information.

Our selective sharing of information – In order for us to provide investment management and other services to you, we do disclose your personal information in very limited instances, which include:

  • Disclosures to nonaffiliated companies as permitted by law, including those who help us service your account (such as providing account information to brokers and custodians).
  • Other limited disclosures as permitted by law, for example, required reports to government entities.

We do not share your information with third parties for marketing purposes. We do not sell your information.

Former clients – If you end your relationship with us, we will continue to adhere to the privacy policies and practices described in this notice.


Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

We apologize for any inconvenience this may cause; however, federal law prohibits us from waiving these requirements.

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