Privacy Policy | Bigham Wealth Advisory
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Privacy Policy

Bigham Wealth Advisory, LLC
Effective Date: April 30, 2026  ·  Last Updated: April 30, 2026

Our Commitment to Your Privacy

Bigham Wealth Advisory, LLC ("BWA," "we," "us," or "our") is a state-registered investment adviser (CRD# 310958) headquartered in Chattanooga, Tennessee. Protecting your personal and financial information is central to how we operate.

This Privacy Policy explains what information we collect, why we collect it, how we use and share it, and how we protect it. It applies to all current, former, and prospective clients who provide personal information to us, as well as visitors to our website at bighamwealthadvisory.com.

We are required to provide you with this notice under the Gramm-Leach-Bliley Act ("GLBA") and the Securities and Exchange Commission's Regulation S-P. We will provide you with a revised notice if our privacy practices change in a material way.

Information We Collect

We collect personal information that is necessary to provide our advisory, planning, and coordination services. The categories of information we collect include:

Information you provide directly.
Name, mailing address, email address, phone number, date of birth, Social Security number, driver's license number, marital and family status, employment and income information, tax identification numbers, and any other information you share through our intake process, advisory agreements, or ongoing correspondence.
Financial information.
Investment account details, bank and brokerage account numbers, insurance policy information, tax returns and related documents, estate planning documents, net worth and asset information, liabilities, income sources, and retirement account details.
Information from third parties.
We may receive information about you from your CPA, estate attorney, insurance carriers, custodians, broker-dealers, or other professionals you have authorized us to coordinate with. We also receive account and transaction data from custodians and clearing firms that hold your assets.
Website and technical information.
When you visit bighamwealthadvisory.com, we may collect your IP address, browser type, operating system, referring URLs, pages viewed, time spent on pages, and other standard server log data. We use this information to maintain and improve the website. See the Website Privacy section below for details.

How We Use Your Information

We use your personal and financial information for the following purposes:

To provide advisory services.
This includes developing your coordinated wealth plan, conducting coordination audits, preparing income diagnoses, delivering recommendations, implementing investment and insurance strategies, and conducting quarterly coordination reviews.
To coordinate with your other professionals.
With your authorization, we share relevant information with your CPA, estate attorney, and insurance carriers so they can verify our work and maintain alignment across your financial plan.
To communicate with you.
We use your contact information to send account-related communications, planning updates, coordination memos, and responses to your inquiries.
To comply with legal and regulatory obligations.
We are required to collect and retain certain information under federal and state securities laws, anti-money laundering regulations, tax reporting requirements, and other applicable rules.
To evaluate prospective client relationships.
If you submit an intake request, we use the information you provide to assess whether our services are a good fit for your situation.
To maintain and improve our website.
We use technical data to monitor website performance, identify issues, and improve the user experience.

How We Share Your Information

We do not sell your personal information. We do not share your personal information with third parties for their marketing purposes.

We may share your information in the following limited circumstances:

Service providers.
We work with custodians, broker-dealers, technology vendors, and other service providers who need access to certain information to support our advisory operations. Each service provider is required to protect your information and use it only for the purposes we specify. We maintain written agreements with our service providers that require them to safeguard your data and to notify us within 72 hours if a security incident occurs involving your information.
Your authorized professionals.
When you direct us to coordinate with your CPA, estate attorney, insurance agent, or other professionals, we share the information necessary for that coordination.
Legal and regulatory requirements.
We may disclose information when required by law, regulation, court order, subpoena, or regulatory examination. This includes disclosures to the SEC, state securities regulators, FINRA, and other authorities with jurisdiction over our business.
Business transfers.
If BWA is acquired, merges with another firm, or transfers client accounts to a successor adviser, your information would transfer as part of that transition. We would notify you in advance of any such change.
With your consent.
We may share information in other circumstances with your explicit written consent.

How We Protect Your Information

We maintain administrative, technical, and physical safeguards designed to protect your personal and financial information from unauthorized access, use, alteration, or destruction.

Administrative safeguards.
Written information security policies and procedures, employee training on data handling and privacy obligations, and access controls that limit information access to personnel who need it to perform their duties.
Technical safeguards.
Encryption of sensitive data in transit and at rest, secure authentication protocols, firewalls, intrusion detection systems, and regular security assessments.
Physical safeguards.
Secured office facilities, locked storage for physical records containing personal information, and controlled access to areas where sensitive information is stored.
Incident response program.
We maintain a written incident response program designed to detect, respond to, and recover from any unauthorized access to or use of your information. In the event that a security incident involving your sensitive personal information occurs, we will notify you as required by law.

No system is completely secure. While we take reasonable measures to protect your information, we cannot guarantee absolute security.

Breach Notification

In compliance with SEC Regulation S-P, if we become aware that your sensitive personal information has been accessed or used without authorization, and we determine that this unauthorized access or use is reasonably likely to result in substantial harm or inconvenience to you, we will notify you no later than 30 days after we become aware of the incident.

Our notification will include a description of the incident, the types of information involved, the date of the incident (if known), steps you can take to protect yourself, information from the Federal Trade Commission on protecting against identity theft, and contact information so you can reach us with questions.

We also comply with the Tennessee breach notification statute and any other applicable state notification laws.

Data Retention and Disposal

We retain your personal and financial information for as long as your advisory relationship is active, and for the period required by applicable law after the relationship ends. Under federal securities regulations, we are required to retain certain records for a minimum of five years, with the first two years in an easily accessible format.

When your information is no longer needed for business or regulatory purposes, we dispose of it using methods reasonably designed to prevent unauthorized access. This includes secure destruction of physical records and secure deletion of electronic records.

Your Rights and Choices

Opt-out of information sharing.
Under the GLBA, you have the right to limit certain types of information sharing. Because we do not share your nonpublic personal information with nonaffiliated third parties except as described in this policy (for service providers, legal compliance, and at your direction), there are currently no categories of sharing that require you to opt out. If our practices change, we will provide you with notice and the opportunity to opt out before any new sharing occurs.
Access and correction.
You may request access to the personal information we hold about you and ask us to correct any inaccuracies. Contact us using the information at the bottom of this policy.
Communication preferences.
You may choose how you receive communications from us by contacting our office. If you subscribe to our Insights email, you may unsubscribe at any time using the link in any email.
Do Not Track.
Our website does not currently respond to "Do Not Track" browser signals. We do not track your activity across third-party websites.

Website Privacy

Cookies.
Our website may use cookies and similar technologies to facilitate site functionality and understand how visitors use the site. Cookies are small text files stored on your device. You can control cookie settings through your browser. Disabling cookies may affect certain features of the website.
Analytics.
We may use third-party analytics services (such as Google Analytics) to collect and analyze website usage data. These services use cookies and similar technologies to gather information such as pages visited, time on site, and referring sources. This data is aggregated and does not identify you personally. If we use Google Analytics, Google's privacy policy governs their handling of data collected through their service.
Third-party links.
Our website may contain links to third-party websites, including regulatory bodies such as the SEC (IAPD), FINRA (BrokerCheck), and state securities regulators. We are not responsible for the privacy practices of those websites. We encourage you to review the privacy policies of any external site you visit.
Email communications.
If you subscribe to receive our writing, we collect your name and email address. We use a third-party email service provider to deliver these communications. You may unsubscribe at any time. We do not sell or share your email address.
Intake forms.
Information submitted through our Private Client Intake form is transmitted securely and stored in accordance with this policy. We treat all intake submissions as confidential.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have collected personal information from a child under 18, we will take steps to delete that information promptly.

Former Clients

If your advisory relationship with us ends, we will continue to treat your information in accordance with this policy and applicable law. We do not share former clients' information except as permitted or required by law.

State Registrations

Bigham Wealth Advisory, LLC is registered or notice-filed as an investment adviser in the states of Tennessee and Ohio. Registration does not imply a certain level of skill or training. Additional registration information is available through the SEC's Investment Adviser Public Disclosure (IAPD) database at adviserinfo.sec.gov.

Changes to This Policy

We reserve the right to update this Privacy Policy at any time. If we make material changes, we will provide you with a revised notice. The "Last Updated" date at the top of this page reflects the most recent revision.

Under the GLBA, if we have not changed our information-sharing practices and we share information only under the exceptions described in this policy, we are not required to deliver an annual privacy notice.

How to Contact Us

If you have questions about this Privacy Policy, wish to exercise any of your rights, or want to report a concern about the handling of your information, contact us:

Bigham Wealth Advisory, LLC
651 E 4th St #200
Chattanooga, TN 37403
Phone: (423) 541-3587
Email: [email protected]
Regulatory Verification
SEC IAPD Disclosure FINRA BrokerCheck

Bigham Wealth Advisory, LLC is a state-registered investment adviser. This Privacy Policy is provided in accordance with the Gramm-Leach-Bliley Act and SEC Regulation S-P. Registration as an investment adviser does not imply a certain level of skill or training. Additional information about Bigham Wealth Advisory, including our Form ADV Part 2A, is available upon request or through the SEC's IAPD database.