Open Heart Financial, LLC

Specializing in Financial Guidance for Middle-Income America.

ABOUT OPEN HEART FINANCIAL, LLC.

Open Heart Financial, LLC provides professional financial advice on an as-needed and fee-only ® basis to individuals and their families, as well as to businesses interested in offering financial advice to their employees as a company-sponsored benefit. Regardless of one's income or wealth, we offer all who seek our advice the highest level of professionalism and dedication. We advise our clients in all areas regarding money and can help resolve issues and meet financial goals. We will assist in the development and implementation of strategic decisions and in conducting periodic reviews of financial status. Our efforts on behalf of our clients are always with their interests set above our own. We adhere to ten core values:

1.	INTEGRITY: Integrity demands honesty, principles, and candor which cannot be subordinated to personal gain or advantage. Integrity cannot co-exist with deceit, and integrity is doing what one says one is going to do. It is our pledge to be advisors with integrity and to strive to have connection between our words and deeds, and to deliver genuine value to those whom we serve.
2.	COMPETENCE: Our dedication to competence requires not only lifelong learning, but also that we continually assess our ability to appropriately and effectively address the needs of those whom we serve. We shall not hesitate to give client referrals when appropriate, to ensure the best outcome for our clients.
3.	OBJECTIVITY: Objectivity requires intellectual honesty and impartiality. We shall be objective in providing professional service to clients, giving no allegiance to any company or agency whose products we recommend. We reinforced this commitment by our decision to have a "fee-only" business model.
4.	RELATIONSHIPS: We are committed to open, honest and respectful relationships.
5.	CONFIDENTIALITY: We shall not disclose any confidential client information without the specific consent of the client, unless in response to a proper legal process.
6.	FAIRNESS: We shall perform professional services in a manner that is fair and reasonable to our clients. 'Fairness' is treating others in the same way that you would want to be treated. It requires impartiality, intellectual honesty, and disclosure of conflict(s) of interest(s).
7.	PROFESSIONALISM: As CERTIFIED FINANCIAL PLANNER tm practitioners, we shall conduct all matters in a way that reflects credit upon the profession.
8.	DILIGENCE: We shall act diligently in providing professional services. Diligence is the provision of services in a reasonably prompt and thorough manner. Diligence also includes proper planning for and supervision of the rendering of professional services.
9.	STEWARDSHIP: We recognize our responsibility to act with vision, ever mindful of the effects of today's decisions and actions on the clients' future.
10.	BIBLICAL INFLUENCE: A great deal of our life revolves around money. The fact that so much of the Bible deals with financial issues shows that God's desire for us is to handle money issues properly so it is used to bless Him and our own lives rather than be a curse. How we manage our money physically and how we manage it in our hearts are keys to our success and our joy. If you believe this information would be helpful to you in your financial decision-making, we invite you to let us know and we will be happy to help; otherwise, we will respect your right to privacy in this area.

Regulatory and disclosure information: We do not render or offer to render personalized investment advice or financial planning advice through this medium. This medium is limited to providing you with general information on our services and provides a way for you to contact us. Opinions expressed herein are solely those of Stuart McHenry, President, Open Heart Financial, LLC. The information in this web-site is based on data gathered from what Mr. McHenry believe are reliable sources. It is not guaranteed as to accuracy, does not purport to be complete and is not intended as the primary basis for investment or planning decisions. Fee-only financial planning and advisory services are offered through Open Heart Financial, LLC, a Registered Investment Advisor in the State of Maryland. Services may be provided to residents of other states with some limitations. Please contact us for details.

At certain places on this Internet site, live 'links' to other Internet addresses can be accessed. Such external Internet addresses contain information created, published, maintained, or otherwise posted by institutions or organizations independent of Open Heart Financial, LLC. Open Heart Financial does not endorse, approve, certify, or control these external Internet addresses and does not guarantee or assume responsibility for the accuracy completeness, efficacy, timeliness, or correct sequencing of information located at such addresses. Use of any information obtained from such addresses is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness.