©2012 Avalon Financial Advisors, Andrew P. McVay, Principal.  All Rights Reserved.

Additional information regarding Avalon Financial Advisors is contained in our Form ADV
and may be accessed by entering our firm's IARD/CRD number of
147097 on the SEC's
Investment Adviser Search web page:

                                       PRIVACY POLICY

Our Commitment to Your Privacy:
Protecting our clients’ privacy is of paramount importance to Avalon Financial Advisors.
(“Avalon Financial Advisors” or “Advisor”). It is Avalon Financial Advisors’ policy that no
private client financial information obtained by us is sold or made available to third parties
except that:

  • Third parties may be used by Advisor to assist in the management or maintenance of
    client accounts (such as a client’s custodian);
  • Client information may be released in accordance with applicable laws and

We will not share nonpublic personal information about our clients with non-affiliated
third parties without prior client consent, except for specific purposes described below.
This notice explains our collection, use and safeguarding of client information.

How Avalon Financial Advisors Gathers Information:
In connection with providing clients with financial planning, advisory, and investment
management services, we may obtain information about them from the following sources:

  • Client agreements and other information that clients provide to us, whether in
    writing, in person, by telephone, electronically or by any other means. This
    information may include a client’s name, address, phone number, e-mail address,
    social security number, employment information, income, investment experience, and
    credit references;
  • Personal tax returns provided by the client;
  • Transactions on a client’s behalf. This information may include the client’s account
    balances, positions, investment interests and history; and
  • Public sources.

Sharing Information with Non-affiliated Third Parties:
We only disclose non-public client information to non-affiliated third parties without prior
client consent when we believe it necessary for the conduct of our business or as required
or permitted by law, such as:

  • If you request or authorize the disclosure of the information;
  • To provide client account services or account maintenance;
  • To respond to a subpoena or court order, judicial process, law enforcement or
    regulatory authorities, and;
  • To help us prevent fraud.

We do not make any disclosure of nonpublic personal client information to other
companies who may want to sell their products or services to you. For example, we do
not sell client lists and we will not sell client names to catalogue companies.

Opt Out Provision:
If, at any time in the future, it is necessary to disclose any of client personal information
in a way that is inconsistent with this policy, we will give our clients advance notice of the
proposed disclosure so that they will have the opportunity to opt out of such disclosure.

Former Clients:
Our Privacy Policy continues to apply to all former clients.

To Whom This Policy Applies:
This Privacy Policy applies to individuals who obtain or have obtained services from
Avalon Financial Advisors used primarily for personal, family or household purposes.

Our Security Practices and Information Accuracy:
We take steps to safeguard client information. We restrict access to the personal and
account information of our clients to our employees and agents for business purposes
only. We maintain physical, electronic and procedural safeguards to guard your personal

Additionally, we have internal controls to keep client information as accurate and
complete as we can. If you believe that any information about you is not accurate, please
let us know.

Other Information:
We reserve the right to change this Statement of Privacy Policy. The examples contained
within this Privacy Policy are illustrations and they are not intended to be exclusive. If you
have any questions about our Privacy Policy, please contact Andrew McVay, Principal and
Chief Compliance Officer at 714.912.4272

                                            WEBSITE DISCLOSURE

All written content on this site is for information purposes only.  Opinions expressed
herein are solely those of Andrew McVay, Principal of Avalon Financial Advisors.  All
material presented on this site is believed to be from reliable sources, however, Avalon
Financial Advisors and its principal make no representations as to its accuracy or
completeness.  All information, concepts and ideas should be discussed with your
individual advisor prior to implementation.  Links to other sites which may endorse a
stock, an investment or and investment approach should not be construed as a
recommendation of that stock, investment or investment approach by Avalon Financial
Advisors or Andrew McVay.  Fee-Only financial planning and investment advisory services
are offered through Avalon Financial Advisors, a registered investment advisory firm in the
state of California.

The presence of this web site on the Internet is not and shall not be construed either
directly or indirectly nor interpreted as a solicitation to sell or offer to sell investment
advisory services to any residents of any state other than the state of California or where
otherwise legally permitted.  As a registered investment advisory firm, Avalon Financial
Advisors is permitted by law to provide investment advisory services to residents of the
state of California.

                                              COPYRIGHT NOTICE
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.