Commitment to Your Private Information: The Garbacz Group has a long standing policy of protecting the confidentiality and security information we collect about our clients. We do not, and will not, share nonpublic personal information about you (“Information”) with outside third parties without your consent, except for the specific purposes described below. This notice has been provided to you to describe the Information we may gather and the situations under which we may need to share it.

Why We Collect and How We Use Information. We limit the collection and use of Information within our firm to only those individuals associated or employed with us that must have Information to provide financial services to you. Such services include maintaining your accounts, processing transaction requests, providing financial planning, financial consultation, and other services described in our Form ADV.

How We Gather Information. We get most Information directly from you when you provide us with information from any of the following sources:

  • Applications or forms (for example: name, address, social security number, birth date, assets, income, financial history)
  • Transactional activity in your account (for example: trading history and account balances)
  • Information services and consumer reporting sources (for example: to verify your identity or to assess your credit history)
  • Other sources with your consent (for example: your insurance professional, attorney, or accountant)

How We Protect Information. Our employees and affiliated persons are required to protect the confidentiality of Information and to comply with out stated policies. They may access Information only when there is an acceptable reason to do so, such as to service your account or provide you with financial services. Employees who violate our Privacy Policy are subject to disciplinary action, up to and including termination from employment with us. We also maintain physical, electronic, and procedural safeguards to protect information, which comply with applicable SEC, state, and federal laws.

Sharing Information with Other Companies Permitted Under Law. We do not disclose Information obtained in the course of our practice except as required or permitted under law. Permitted disclosures include, for instance, providing information to unrelated third parties who need to know such Information in order to assist use with the providing services to you. Unrelated third parties may include broker/dealers, mutual fund companies, insurance companies, and the custodian with which your assets are held. In such situations, we stress the confidential nature of information being shared.

Former Customers. Even if we cease to provide you with financial products or services, our Privacy Policy will continue to apply to you and we will continue to treat your nonpublic information with strict confidentiality.

The following notifications are required annually by Financial Industry Regulatory Authority (FINRA) and the Securities Exchange Commission (SEC):

The Garbacz Group, Inc. is required each year to send you an updated copy of our Privacy Policy and offer you a copy of form ADV-II, the latter of which describes our Registered Investment Advisory business. Please see the reverse side of this notice. If you would like to receive a copy of form ADV-II, please contact this office at 314.991.1303.


FINRA offers BrokerCheck services to Investors. FINRA’s BrokerCheck is available for investor’s to check the status of any broker.

• FINRA’s BrokerCheck Hotline Number: (800) 289-9999;

• FINRA’s BrokerCheck web site address:

A brochure that includes information describing FINRA Broker Check is available by calling (800) 298-9999.


Paragraph (ii) of Rule 17a-3(a)(18) requires firms to make a record indicating that each customer has been provided with a notice of the address and telephone number of the department of the firm to which any complaints may be directed. Customer complaints may be mailed to:
The Garbacz Group, Inc.
Attn: Daniel Garbacz
655 Craig Road, Suite 104
St. Louis, Mo. 63141

Or, you may call (314) 991-1303 and speak with Daniel Garbacz.

The Garbacz Group, Inc.
May 2017