Investment Suitability / Client Consent Statements

Purpose

Goldman Whites is committed to ensuring that all investment recommendations and transactions are suitable for each client based on their financial situation, objectives, risk tolerance, and investment experience. This document outlines our policies on investment suitability and obtaining client consent prior to executing investment decisions.

Scope

This policy applies to:

• All Goldman Whites employees, advisors, and representatives providing investment advice or services

• Any individual or entity acting on behalf of Goldman Whites in investment management or client interactions

Investment Suitability Policy

Client Profiling

Before providing investment recommendations, Goldman Whites will:

• Collect and document relevant client information, including financial status, investment objectives, risk tolerance, liquidity needs, and investment experience.

• Maintain accurate, up-to-date client records.

Suitability Assessment

All investment products, strategies, or recommendations must:

• Align with the client’s stated objectives and risk profile.

• Consider the client’s ability to bear potential losses.

• Reflect the client’s investment knowledge and experience.

 Documentation

All suitability assessments, recommendations, and rationale must be documented and stored in accordance with internal policies and regulatory requirements.

Client Consent Statements

Before executing any investment or financial strategy, Goldman Whites will obtain explicit client consent:

1. Disclosure of Risks and Benefits

   • Clients will be provided with clear, comprehensive information on the potential risks, benefits, fees, and alternatives associated with any investment.

2. Consent to Investment Transactions

   • Written or electronic consent is required from the client before any transaction, except in situations covered under pre-approved discretionary mandates.

3. Ongoing Consent and Review

   • Clients will be notified of material changes in investment strategy, risks, or circumstances that may impact their portfolio.

   • Consent will be reconfirmed when adjustments or reallocation of assets are proposed.

Responsibilities

• Advisors/Employees: Ensure all recommendations meet suitability standards and secure proper client consent.

• Compliance Officer: Monitor adherence to suitability and consent policies, and audit client files regularly.

• Clients: Provide accurate and complete information to allow Goldman Whites to deliver suitable investment advice.

Confidentiality

All client information and consent records are strictly confidential. Unauthorized disclosure is prohibited.

Compliance and Enforcement

Failure to comply with this policy may result in disciplinary action, regulatory sanctions, or legal liability. Goldman Whites is committed to enforcing these standards consistently across all operations.

Review and Updates

This policy will be reviewed periodically and updated to reflect regulatory changes, market developments, and best practices in investment advisory services.

Acknowledgment

Clients are required to acknowledge that they have received, understood, and agreed to the suitability assessments and consent procedures provided by Goldman Whites.