Quasar: investment adviser

Types of Advisory Services Quasar is focused on redefining the concept of wealth by emphasizing the purpose, stewardship, and impact of financial resources rather than solely their monetary value. The firm promotes a holistic approach to wealth management that considers a client’s financial well-being, long-term goals, personal values, and broader social impact. Through diversified investment strategies and a commitment to responsible financial planning, Quasar seeks to help clients align their wealth with both their financial objectives and their desired legacy. Wealth Management Service Quasar provides customized wealth management services to clients. We maintain ongoing personal contact with clients while providing investment management and related financial planning services. Quasar and each client will work together to identify a client’s goals, objectives, risk tolerance and financial situation to craft a tailored portfolio strategy. We employ unaffiliated sub-advisers to provide investment management services to our clients. Account supervision is guided by the stated objectives of the client (e.g., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Fees pertaining to this service are outlined in Item 5 of this brochure. Financial Planning Consulting Quasar’s offers financial planning consulting services to clients. Ongoing financial planning services are typically included in an overall wealth management engagement. Financial planning consulting consists of a comprehensive evaluation of a client’s current and future financial situation by using currently known variables to project future cash flows, asset values, and withdrawal strategies. A key aspect of the financial planning process is that all questions, information, and analyses are considered in the context of the client’s overall financial and personal circumstances. Clients who engage Quasar for these services will receive a written or electronic report containing a detailed financial plan designed to help achieve their stated financial goals and objectives. The financial plan developed for a client will generally include recommendations for a course of action or specific steps to be taken by the client. For example, recommendations may include establishing or revising investment

programs, modifying retirement savings strategies, creating education savings plans, and/or implementing charitable giving programs. The client always retains the right to decide whether to implement any recommendation. If the client chooses to act on any recommendation, the client also retains the right to execute transactions through any professional or service provider of their choosing. In general, the financial plan may address any or all of the following areas of concern. The client and advisor will work together to determine the specific areas to be covered. These areas may include, but are not limited to, the following: • Business Planning: We provide consulting services for clients who currently operate their own business, are considering starting a business, or are planning for an exit from their current business. Under this type of engagement, we work with you to assess your current situation, identify your objectives, and develop a plan aimed at achieving your goals.

Cash Flow and Debt Management: We will conduct a review of your income and expenses to determine your current surplus or deficit along with advice on prioritizing how any surplus should be used or how to reduce expenses if they exceed your income. Advice may also be provided on which debts to pay off first based on factors such as the interest rate of the debt and any income tax ramifications. We may also recommend what we believe to be an appropriate cash reserve that should be considered for emergencies and other financial goals, along with a review of accounts (such as money market funds) for such reserves, plus strategies to save desired amounts.

College Savings: Includes projecting the amount that will be needed to achieve college or other postsecondary education funding goals, along with advice on ways for you to save the desired amount. Recommendations as to savings strategies are included, and, if needed, we will review your financial picture as it relates to eligibility for financial aid or the best way to contribute to grandchildren (if appropriate).

Estate Planning: This usually includes an analysis of your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts and other related documents. Our advice also typically includes ways for you to minimize or avoid future estate taxes by implementing appropriate estate planning strategies such as the use of applicable trusts. We always recommend that you consult with a qualified attorney when you initiate, update, or complete estate planning activities. We may provide you with contact information for attorneys who specialize in estate planning when you wish to hire an attorney for such purposes. From time-to-time, we will participate in meetings or phone calls between you and your attorney with your approval or request.

Financial Goals: We will help clients identify financial goals and develop a plan to reach them. We will identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for your goal.

Investment Analysis: This may involve developing an asset allocation strategy to meet clients’ financial goals and risk tolerance, providing information on investment vehicles and strategies, reviewing employee stock options, as well as assisting you in establishing your own investment account at a selected broker-dealer or custodian. The strategies and types of investments we may recommend are further discussed in Item 8 of this brochure.

Retirement Planning: Our retirement planning services typically include projections of your likelihood of achieving your financial goals, typically focusing on financial independence as the primary objective. For situations where projections show less than the desired results, we may make recommendations, including those that may impact the original projections by adjusting certain variables (e.g., working longer, saving more, spending less, taking more risk with investments). If you are near retirement or already retired, advice may be given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years.

Tax Planning Strategies: Advice may include ways to minimize current and future income taxes as a part of your overall financial planning picture. For example, we may make recommendations on which type of account(s) or specific investments should be owned based in part on their “tax efficiency,” with consideration that there is always a possibility of future changes to federal, state or local tax laws and rates that may affect your situation. We recommend that you consult with a qualified tax professional before initiating any tax planning strategy, and we may provide you with contact information for accountants or attorneys who specialize in this area if you wish to hire someone for such purposes. We will participate in meetings or phone calls between you and your tax professional with your approval.

Family CFO Services Quasar offers family office services designed to support clients’ broader financial and personal needs. In addition to strategic financial planning, they involve ongoing coordination, oversight, and management of a client’s financial life, similar to the role of a Chief Financial Officer for a business. Family CFO services may include: • Paying and organizing bills, through third party software • Managing financial records and documents • Coordinating with attorneys, accountants, and other advisors • Tracking spending and household cash flow • Preparing consolidated net worth and financial reports • Overseeing budgeting for large projects or purchases • Supporting lifestyle and philanthropic initiatives • Providing ongoing administrative and financial coordination

Estate/Legacy Planning Estate and legacy planning are intended to help clients preserve wealth, simplify transitions, minimize potential conflicts, and create a lasting impact for future generations. Quasar works collaboratively with clients and their professional advisors to help develop and coordinate thoughtful estate and legacy planning strategies aligned with their long-term goals and family values. These services may include: • Coordination with estate planning attorneys and tax professionals • Review of estate planning documents, including wills, trusts, powers of attorney, and healthcare directives • Beneficiary designation reviews to help ensure alignment across accounts and estate documents • Wealth transfer planning strategies designed to support multi-generational goals • Trust and asset titling coordination • Charitable giving and philanthropic planning • Family legacy and succession planning discussions • Estate liquidity and cash flow considerations • Ongoing review and coordination as laws, assets, and family circumstances evolve Tax Strategy and Planning Quasar works with clients and their tax professionals to help develop tax-aware financial strategies designed to support long-term wealth preservation and financial efficiency. These services may include: • Coordination with CPAs and tax advisors • Tax-efficient investment and withdrawal strategies • Income tax planning and projection analysis • Capital gains and loss planning • Retirement distribution and Roth conversion analysis • Charitable giving and gifting strategies • Business owner and executive compensation planning • Estimated tax payment coordination and cash flow planning • Multi-year tax planning considerations • Review of tax implications related to major financial decisions, liquidity events, and legacy planning Our approach is designed to help clients proactively evaluate opportunities, improve coordination among advisors, and integrate tax considerations into broader financial planning decisions. Quasar does not provide legal or tax advice. Clients should consult with their qualified tax and legal professionals regarding their specific circumstances.

Educational Seminars We may provide educational seminars on an “as announced” basis for groups seeking general advice on investments and other areas of personal finance. The content of these seminars will vary depending upon the needs of the attendees. These seminars are purely educational in nature and do not involve the sale of any investment products. Information presented will not be based on any one individual person’s needs, nor does Quasar provide individualized investment advice to attendees during these seminars.

Client Tailored Services and Client Imposed Restrictions We offer the same suite of services to all of our clients. However, specific client financial plans and their implementation are dependent upon a client’s Investment Policy Statement, which outlines each client’s current situation (income, tax levels, and risk tolerance levels) and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets.

Wrap Fee Programs We do not participate in wrap fee programs.

Wealth Management Service The annual flat fee for this service is negotiable and will be agreed upon prior to the commencement of any work. The annual flat fee generally ranges from $10,000.00 to $30,000.00. Clients will pay a deposit, due upon engagement, with the remainder billed in arrears on a quarterly basis. Please note that the annual fee does not include any fees charged by an outside manager or third-party investment manager. This service may be terminated by either party upon 60 days’ written notice. Upon termination of the engagement, fees will be prorated through the effective date of termination, and any unearned fees will be refunded to the client.

Family CFO Services The annual flat fee for this service will be agreed upon prior to the commencement of any work. The annual flat fee generally ranges from $10,000.00 to $30,000.00. Clients will pay a deposit, due upon engagement, with the remainder billed in arrears on a quarterly basis. This service may be terminated by either party upon 60 days’ written notice. Upon termination of the engagement, fees will be prorated through the effective date of termination, and any unearned fees will be refunded to the client.

Financial Planning Consulting Financial Planning Consulting fee is an hourly rate between $400.00 and $500.00 per hour, depending on complexity. The fee may be negotiable in certain cases. The clients’ estimated fee will be calculated before the start of any work begins. Clients will pay an deposit, due upon engagement, with the balance due upon the completion of the engagement. In the event of early termination, the client will be billed for the hours worked at a rate of $500.00 per hour. If the initial deposit is greater than the amount billed, then the client will be refunded the difference. If the initial deposit is less, then the client will be billed the difference.

Estate Planning The annual flat fee for this service will be agreed upon prior to the commencement of any work. The annual flat fee generally ranges from $10,000.00 to $30,000.00. Clients will pay an deposit, due upon engagement, with the remainder billed in arrears on a quarterly basis. This service may be terminated by either party upon 60 days’ written notice. Upon termination of the engagement, fees will be prorated through the effective date of termination, and any unearned fees will be refunded to the client.

Tax Planning The annual flat fee for this service will be agreed upon prior to the commencement of any work. The annual flat fee generally ranges from $10,000.00 to $30,000.00. Clients will pay a deposit, due upon engagement, with the remainder billed in arrears on a quarterly basis. This service may be terminated by either party upon 60 days’ written notice. Upon termination of the engagement, fees will be prorated through the effective date of termination, and any unearned fees will be refunded to the client.

Educational Seminars Fees for Educational Seminars will vary due to varying scope, length, and complexity of seminars. Fees may be negotiated with and paid for by employers. In the event that seminar attendees will be responsible for payment, the fee will be published on the seminar announcement or invitation. Quasar may also provide pro-bono seminars at its own discretion.

Other Types of Fees and Expenses Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses that may be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, and other third parties such as custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual funds and exchange traded funds also charge internal management fees, which are disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of and in addition to our fee, and we shall not receive any portion of these commissions, fees, and costs.

Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for client’s transactions and determining the reasonableness of their compensation (e.g., commissions). We do not accept compensation for the sale of securities or other investment products including asset-based sales charges or service fees from the sale of mutual funds.

If securities prices adjust rapidly to new information, utilizing fundamental analysis may not result in favorable performance. Cyclical analysis is a type of technical analysis that involves evaluating recurring price patterns and trends based upon business cycles. Economic/business cycles may not be predictable and may have many fluctuations between long term expansions and contractions. The lengths of economic cycles may be difficult to predict with accuracy and therefore the risk of cyclical analysis is the difficulty in predicting economic trends and consequently the changing value of securities that would be affected by these changing trends. Charting analysis involves the gathering and processing of price and volume information for a particular security. This price and volume information is analyzed using mathematical equations. The resulting data is then applied to graphing charts, which is used to predict future price movements based on price patterns and trends. Charts may not accurately predict future price movements. Current prices of securities may not reflect all

information about the security and day-to-day changes in market prices of securities may follow random patterns and may not be predictable with any reliable degree of accuracy. Asset allocation is a key component of investment portfolio design. We believe that the appropriate allocation of assets across diverse investment categories is critical to the long-term success of one’s financial objectives. We recommend that the portfolio be maintained by rebalancing at least annually, or as other circumstances dictate. Rebalancing analysis and assistance are offered but is solely client initiated. Modern Portfolio Theory (“MPT”) We primarily use MPT which uses a mathematical framework for assembling a portfolio of assets such that the expected return is potentially maximized for a given level of risk. We review Mutual Fund and ETF quantitative and qualitative metrics including, but not limited to, peer rankings, comparative risk measurements, manager tenure, parent company profile, investment process, consistency of returns, and any other information deemed pertinent in the selection of a representative fund(s) for a specific area of the market. In this evaluation we include both active and passive fund investment options. Passive investment management is characterized by low portfolio expenses (i.e. the funds inside the portfolio have low internal costs), minimal trading costs (due to infrequent trading activity), and relative tax efficiency (because the funds inside the portfolio are tax efficient and turnover inside the portfolio is minimal). In contrast, active management involves a single manager or managers who employ some method, strategy or technique to construct a portfolio that is intended to generate returns that are greater than the broader market or a designated benchmark. In addition to traditional MPT, buffered ETF strategies, which provide upside participation in an index for a specified term, up to a cap, while also providing a defined level of downside protection, may also be used. Outside Managers We refer clients to third-party investment advisers (“outside managers”). Our analysis of outside managers involves the examination of the experience, expertise, investment philosophies, and past performance of the outside managers to determine if that manager has demonstrated an ability to invest over a period of time and in different economic conditions. We monitor the manager’s underlying holdings, strategies, concentrations, and leverage as part of our overall periodic risk assessment. Additionally, as part of our due-diligence process, we survey the manager’s compliance and business enterprise risks. A risk of investing with an outside manager who has been successful in the past is that he/she may not be able to replicate that success in the future. In addition, as we do not control the underlying investments in an outside manager’s portfolio, there is also a risk that a manager may deviate from the stated investment mandate or strategy of the portfolio, making it a less suitable investment for our clients. Moreover, as we do not control the manager’s daily business and compliance operations, we may be unaware of the lack of internal controls necessary to prevent business, regulatory, or reputational deficiencies. Passive Investment Management

We primarily practice passive investment management. Passive investing involves building portfolios that are comprised of various distinct asset classes. The asset classes are weighted in a manner to achieve a desired relationship between correlation, risk, and return. Funds that passively capture the returns of the desired asset classes are placed in the portfolio. The funds that are used to build passive portfolios are typically index mutual funds or exchange traded funds. Passive investment management is characterized by low portfolio expenses (i.e. the funds inside the portfolio have low internal costs), minimal trading costs (due to infrequent trading activity), and relative tax efficiency (because the funds inside the portfolio are tax efficient and turnover inside the portfolio is minimal). In contrast, active management involves a single manager or managers who employ some method, strategy or technique to construct a portfolio that is intended to generate returns that are greater than the broader market or a designated benchmark.

Material Risks Involved All investing strategies we offer involve risk and may result in a loss of your original investment which you should be prepared to bear. Many of these risks apply equally to stocks, bonds, commodities and any other investment or security. Material risks associated with our investment strategies are listed below. Market Risk: Market risk involves the possibility that an investment’s current market value will fall because of a general market decline, reducing the value of the investment regardless of the success of the issuer’s operations or its financial condition. Strategy Risk: The adviser’s investment strategies and/or investment techniques may not work as intended. Small and Medium Cap Company Risk: Securities of companies with small and micro market capitalizations are often more volatile and less liquid than investments in larger companies. Small and medium cap companies may face a greater risk of business failure, which could increase the volatility of the client’s portfolio. Turnover Risk: At times, the strategy may have a portfolio turnover rate that is higher than other strategies. A high portfolio turnover would result in correspondingly greater brokerage commission expenses and may result in the distribution of additional capital gains for tax purposes. These factors may negatively affect the account’s performance. Limited markets: Certain securities may be less liquid (harder to sell or buy) and their prices may at times be more volatile than at other times. Under certain market conditions we may be unable to sell or liquidate investments at prices we consider reasonable or favorable or find buyers at any price. Concentration Risk: Certain investment strategies focus on particular asset-classes, industries, sectors or types of investment. From time to time these strategies may be subject to greater risks of adverse developments in such areas of focus than a strategy that is more broadly diversified across a wider variety of investments. Interest Rate Risk: Bond (fixed income) prices generally fall when interest rates rise, and the value may fall below par value or the principal investment. The opposite is also generally true: bond prices generally rise when interest rates fall. In general, fixed income securities with longer maturities are more sensitive to these price changes. Most other investments are also sensitive to the level and direction of interest rates.

Legal or Legislative Risk: Legislative changes or Court rulings may impact the value of investments, or the securities’ claim on the issuer’s assets and finances. Inflation: Inflation may erode the buying-power of your investment portfolio, even if the dollar value of your investments remains the same. IRA Rollover Considerations: We may recommend that you withdraw the assets from your employer's retirement plan and roll the assets over to an individual retirement account ("IRA") that we will manage on your behalf. If you elect to roll the assets to an IRA that is subject to our management, we will charge you an assetbased fee as set forth in the agreement you executed with our firm. This practice presents a conflict of interest because persons providing investment advice on our behalf have an incentive to recommend a rollover to you for the purpose of generating fee-based compensation rather than solely based on your needs. Additionally, the investment options available to you in your employer’s retirement plan may be lower cost than our services. You are under no obligation, contractually or otherwise, to complete the rollover. Moreover, if you do complete the rollover, you are under no obligation to have the assets in an IRA managed by our firm.

Risks Associated with Securities Apart from the general risks outlined above which apply to all types of investments, specific securities may have other risks. Commercial Paper is, in most cases, an unsecured promissory note that is issued with a maturity of 270 days or less. Being unsecured the risk to the investor is that the issuer may default. Common stocks may go up and down in price quite dramatically, and in the event of an issuer’s bankruptcy or restructuring could lose all value. A slower-growth or recessionary economic environment could have an adverse effect on the price of all stocks. Bank Obligations including bonds and certificates of deposit may be vulnerable to setbacks or panics in the banking industry. Banks and other financial institutions are greatly affected by interest rates and may be adversely affected by downturns in the U.S. and foreign economies or changes in banking regulations. Municipal Bonds are debt obligations generally issued to obtain funds for various public purposes, including the construction of public facilities. Municipal bonds pay a lower rate of return than most other types of bonds. However, because of a municipal bond’s tax-favored status, investors should compare the relative after-tax return to the after-tax return of other bonds, depending on the investor’s tax bracket. Investing in municipal bonds carries the same general risks as investing in bonds in general. Those risks include interest rate risk, reinvestment risk, inflation risk, market risk, call or redemption risk, credit risk and liquidity and valuation risk.

Recommendations or Selections of Other Investment Advisers Quasar employs other investment advisers to provide investment management services for its clients’ accounts. This situation creates a conflict of interest. However, when employing another investment adviser, the client’s best interest and suitability of the other investment advisers will be the main determining factors of Quasar. This relationship is disclosed to the client at the commencement of the advisory relationship. Additionally, Quasar will only recommend another investment adviser who is properly licensed or registered as an investment adviser.

Objectivity - Associated persons shall be objective in providing professional services to clients.

Competence - Associated persons shall provide services to clients competently and maintain the necessary knowledge and skill to continue to do so in those areas in which they are engaged.

Fairness - Associated persons shall perform professional services in a manner that is fair and reasonable to clients, principals, partners, and employers, and shall disclose conflict(s) of interest in providing such services.

Confidentiality - Associated persons shall not disclose confidential client information without the specific consent of the client unless in response to proper legal process, or as required by law.

Professionalism - Associated persons’ conduct in all matter shall reflect credit of the profession.

Diligence - Associated persons shall act diligently in providing professional services.

We periodically review and amend our Code of Ethics to ensure that it remains current, and we require all firm access persons to attest to their understanding of and adherence to the Code of Ethics at least annually. Our firm will provide of copy of its Code of Ethics to any client or prospective client upon request.

Investment Recommendations Involving a Material Financial Interest and Conflicts of Interest Neither our firm, its associates or any related person is authorized to recommend to a client, or effect a transaction for a client, involving any security in which our firm or a related person has a material financial interest, such as in the capacity as an underwriter, adviser to the issuer, etc.

Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest Our firm and its “related persons” do not invest in the same securities, or related securities, e.g., warrants, options or futures, which we recommend to clients.

Trading Securities at/Around the Same Time as Client’s Securities Because our firm and its “related persons” do not invest in the same securities, or related securities, e.g., warrants, options or futures, which we recommend to clients, we do not trade in securities at or around the same time as clients.

Investment Advice Relating to Retirement Accounts When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make

money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:

Meet a professional standard of care when making investment recommendations (give prudent advice). Never put our financial interests ahead of yours when making recommendations (give loyal advice). Avoid misleading statements about conflicts of interest, fees, and investments. Follow policies and procedures designed to ensure that we give advice that is in your best interest. Charge no more than is reasonable for our services. Give you basic information about conflicts of interest.

In addition, and as required by this rule, we provide information regarding the services that we provide to you, and any material conflicts of interest, in this brochure and in your client agreement.

Clients may also direct us to use a specific broker-dealer to execute transactions. By allowing clients to choose a specific custodian, we may be unable to achieve most favorable execution of client transaction and this may cost clients’ money over using a lower-cost custodian.

Aggregating (Block) Trading for Multiple Client Accounts Investment advisers may elect to purchase or sell the same securities for several clients at approximately the same time when they believe such action may prove advantageous to clients. This process is referred to as aggregating orders, batch trading or block trading. We do not engage in block trading. It should be noted that implementing trades on a block or aggregate basis may be less expensive for client accounts; however, it is our trading policy is to implement all client orders on an individual basis. Therefore, we do not aggregate or “block” client transactions. Considering the types of investments, we hold in advisory client accounts, we do not believe clients are hindered in any way because we trade accounts individually. This is because we develop

individualized investment strategies for clients and holdings will vary. Our strategies are primarily developed for the long-term and minor differences in price execution are not material to our overall investment strategy.

Quasar will provide written reports to investment management clients on a quarterly basis. We urge clients to compare these reports against the account statements they receive from their custodian.

Disasters The Business Continuity Plan covers natural disasters such as snowstorms, hurricanes, tornados, and flooding. The Plan covers man-made disasters such as loss of electrical power, loss of water pressure, fire, bomb threat, nuclear emergency, chemical event, biological event, communications line outage, Internet outage, railway accident and aircraft accident. Electronic files are backed up daily and archived offsite.

Alternate Offices Alternate offices are identified to support ongoing operations in the event the main office is unavailable. It is our intention to contact all clients within five days of a disaster that dictates moving our office to an alternate location.

Loss of Key Personnel Quasar operates as an LLC with Jacques Corre as the Partner and CCO. As the sole employee, the business depends fully on his capabilities. In the case of his disability, steps will be taken to determine if the business will continue and at what capacity. In the case of his death, there is no plan for continuation of the business, and the business must be dissolved. At that time, clients will be notified.

Privacy Notice FACTS

WHAT DOES QUASAR DO WITH YOUR PERSONAL INFORMATION?

Why?

Registered investment advisers choose how they share your personal information. Federal law gives clients the right to limit some but not all sharing. Federal law also requires us to tell you h o w we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect, and share depend on the product or service you have with us. This information can include:

How?

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Information you provide in the subscription documents and other forms (including name, address, social security number, date of birth, income and other financialrelated information); and

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Data about your transactions with us (such as the types of investments you have made and your account status).

All financial companies need to share clients’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their clients’ personal information; the reasons Quasar chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information For our everyday business purposes— to process your transactions, maintain your accounts (for example we may share with our third-party service providers that perform services on our behalf or on your behalf, such as accountants, attorneys, consultants, clearing and custodial firms, and technology companies, respond to court orders and legal investigations, or report to credit bureaus. For Marketing purposes— to offer our products and services to you

How do we protect your information? To safeguard your personal information from unauthorized access and use, we maintain physical, procedural and electronic safeguards. These include computer safeguards such as passwords, secured files and buildings. Our employees are advised about Quasar's need to respect the confidentiality of each client’s non-public personal information. We train our employees on their responsibilities. We require third parties that assist in providing our services to you to protect the personal information they receive. This includes contractual language in our third-party agreements.

Other important information We will send you notice of our Privacy Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise our Privacy Policy and will provide you with a revised policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing.