WFG Investments, Inc. Business Continuity Planning

Customer Disclosure Statement

WFG Investments, Inc. has developed a Business Continuity Plan on how we will

respond to events that significantly disrupt our business. Since the timing and impact of

disasters and disruptions is unpredictable, we will have to be flexible in responding to

actual events as they occur. With that in mind, we are providing you with this

information on our business continuity plan.

Contacting Us –After a significant business disruption you should be able to

our website at http://www.williams-financial.com. If necessary our offices will be relocated

to three different residential locations in the DFW area, which are designated in our formal

Business Continuity Plan and our phone numbers will be transferred to one of these

locations. If theseother locations in Dallas are not accessible then communication

systems will be put into place utilizing VOIP’s (voice over internet protocol) phones with

key personnel from the main office. If you cannot access us, please contact the

appropriate clearing firm, National Financial Services or Pershing at the posted phone

numbers that will be listed on our web site, http://www.williams-financial.com, should

such business disruption occur. They will be able to handle the services of accessing your

funds and securities, enter orders and process other trade related, cash, and

security transfer transactions for you. If you should have accounts that are not held by

either of these clearing firms, then contact the investment provider directly by calling the

phone number that is listed on your account statements, which you periodically

receive from the investment company.

Our Business Continuity Plan – We plan to quickly recover and resume business operations

after a significant business disruption 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 business continuity plan is

designed to permit our firm to resume operations as quickly as possible, given the scope

and severity of the significant business disruption.

Our business continuity plan 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 clearing firms, National Financial Services and Pershing back 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, our

clearing firms have advised us that its objectives are to restore their own operations and

be able to complete existing transactions and accept new transactions and payments within one

to four hours. Your orders and requests for funds and securities could be delayed during this period.

Varying Disruptions – Significant business disruptions can vary in their scope, such as only

our firm, a single building housing our firm, the business district where our firm is located, the city

where we are located, or the whole region. Within each of these areas, the severity of the disruption

can also vary from minimal to severe. In a disruption to only our firm or a building housing our firm,

we will transfer our operations to local sites when needed and expect to recover and resume business within approximately four hours. In a disruption affecting our business district, city, or region, we will attempt to transfer our operations to a site outside of the affected area, and recover and resume business within the same time period. In either situation, we plan to continue in business and notify you through our web site http://www.williams-financial.com. on how to contact us or another entity that will be able to service your financial needs. If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customer’s prompt access to their funds and securities through the notification process on our website.

Potential of Flu Pandemic such as Influenza A (H1N1), Swine Flu, etc. - Recognizing

that a flu pandemic is not a "normal" business risk, our planning has focused on

augmenting our existing plans and practices to take into account the following aspects:

• Global impact with no differentiation by culture, industry, geography.

• Potential to escalate quickly and continue for several months in more than one wave.

• A high projected rate of infection potentially causing heavy absenteeism.

• Overtaxed health care facilities, public health agencies, and personnel.

This Firm is continually reviewing many strategic options as part of our business

continuity planning, such as: assigning associates and management staff and other personnel

responsible for critical processes to multiple geographically dispersed locations, providing

personnel with electronic access to work from home where appropriate, and assessing

ways to make our facilities more biohazard resistant.

For more information – If you have questions about our business continuity planning,

you can contact WFG Investments, Inc., member FINRA & SIPC at (972) 661-8700,

(800) 225-3650 or website http://williams-financial.com

12/31/11