Client Bill of Rights

At Shine Financial, Inc., We Promise You That . . .

1. Our primary commitment is to place our clients' financial well-being above
all else.

2. We recognize each client as a unique individual with his or her own values,
lifestyles, expectations, and financial history. Recommendations are developed
and services and products are provided with this uniqueness in mind.

3. All recommendations and services are developed in consultation with each
client.

4. For clarity of understanding and monitoring progress, recommendations are
presented in writing.

5. As Certified Financial Planners and Registered Investment Advisors, we are
committed to continuous learning in order to provide our clients with the most
up to date and competent advice.

6. All client relationships are confidential.

7. Thoughtful and courteous service is guaranteed.

8. Quality of products and services is of highest priority.

9. We will be truthful in all we say and do.

10. Above all, we are dedicated to building a long-term relationship with each
client.