business practices

The Way We Do Business

Our Commitment To Our Clients
Koehler Financial Services, Inc. operates with the highest ethical standards.  We have a number of practices in place that are designed to safeguard our clients and our business.  To learn more about some of these practices, click the links below:

Business Continuity Plan

Summary Disclosure Statement Of

Koehler Financial Services, Inc.'s Business Continuity Plan

Koehler Financial Services, Inc. plans to quickly recover and resume business operations after a significant business disruption (SBD) and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm's books and records, and allowing our customers to transact business.  In short, our company's Business Continuity Plan (BCP) is designed to permit us to resume operations as quickly as possible, given the scope and severity of the SBD.
The BCP addresses data back up and recovery; all mission-critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their funds and securities if we are unable to continue our business.
Our Fund Administrator and Custodian Bank backs up our important records in a geographically separate area.  While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, we have been advised by our Fund Administrator and Custodian Bank that its objective is to restore its own operations and be able to complete existing transactions and accept new transactions and payments within a resumption time period.  Your orders and requests for funds and securities could be delayed during this period.
In addition, the product sponsor maintains all records related to your investments and account holdings and backs up important records in accordance with its business continuity plan.  For more information on its contingency plan, please contact the sponsor directly at the telephone number provided on your statements.
Significant Business Disruptions:  Koehler Financial Services, Inc.'s plan takes into account two kinds of significant business disruptions, internal and external.  Internal SBDs affect only the firm's ability to communicate and do business, such as a fire or loss electrical power in the office or building.   External SBDs, such as a terrorist attack, a natural disaster, or another event that causes a wide-scale, regional disruption in essential services, prevent the operation of the securities markets or a number of firms.
Internal SBDs:  In the event of a disruption in Koehler Financial Services, Inc.'s business operations due to an internal SBD, the firm will attempt to continue to conduct business as usual by utilizing alternative communication methods (if available), such as the Internet, cell phones, etc., or by moving its operations to an alternative location.   If personnel or operations must be moved to an alternate location, the firm anticipates that it will resume regular operations as soon as personnel can access the alternate site.
External SBDs:  In the event of a disruption in the Koehler Financial Services, Inc.'s business operations due to an external SBD, the firm will attempt to continue to conduct business as usual by moving its operations to an alternative location outside the effected area, if possible, or by providing customers with alternative communication arrangements, as indicated below, to conduct business or to access their funds and securities.
Koehler Financial Services, Inc. will attempt to resume business and keep its customers informed regarding relevant events to the best of its ability based on the circumstances.
In all cases, Koehler Financial Services, Inc. will resume normal business operations as soon as it is able to do so, based on the type and the extent of the disrupting event.   If the significant business disruption is so sever that it prevents us from remaining in business, we will ensure our customers' prompt access to their funds and securities.
Communications:  In the event that you are unable to reach Koehler Financial Services, Inc. at our main number, please proceed as follows:
  • Contact the firm at the following alternate telephone number: 269-449-4290
  • Access the firm's website at
  • Contact the product sponsor directly at the number listed on your most recent statement

Contact information:  Any questions regarding Koehler Financial Services, Inc.'s Interruption Plans should be addressed to: Erica L. Momany 5764 James Drive, Stevensville, MI  49127  269-429-0650.

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