HOW SAFE IS MY MONEY?

Your accounts are insured against lost or stolen cash or securities at Pershing LLC or Osaic Wealth, Inc. by the Securities Investor Protection Corporation (SIPC), a U.S. government-chartered corporation. As a member of SIPC, securities in your account are protected up to $500,000 for lost or stolen securities. For details, please see www.sipc.com.

In addition to SIPC protection, Pershing provides additional coverage for client assets:

1. An aggregate loss limit of $1 billion for eligible securities-over all client accounts.
2. A per-client loss limit of $1.9 million for cash awaiting reinvestment-within the aggregate loss limit of $1 billion.

Note: This does not protect your account from market loss.

WHO IS OSAIC WEALTH, INC.?

Osaic Wealth is an independent broker-dealer and an unaffiliated third party. While giving us access to the securities markets, Osaic Wealth provides compliance and supervisory oversight of  Efficient Frontier Group for our clients.

Are you employed by osaic?

No. We are employees of Efficient Frontier Group. Osaic Wealth is an independent third party that provide services to us.

What licenses and Designations do you have?

Carlos holds various professional designations including:

• CERTIFIED FINANCIAL PLANNER™ (CFP®)
• Series 24 Securities Principal
• Series 7 Registered Representative 
• Series 63 Investment Advisor 
• Health and Life Insurance 

What is a fidcuiary and why is having a financial advisor that acts as your fiduciary important? 

A fiduciary is an individual in whom another has placed the utmost trust and confidence to manage and protect property or money. It describes the relationship wherein one person has an obligation to act for another person’s best interests. Efficient Frontier Group acts in a fiduciary capacity for its investment advisory clients.

When advisors recommend investments that pay commissions, a fiduciary relationship does not exist. Clients of Efficient Frontier Group in fee-based accounts do not pay commissions, hence a fiduciary relationship exists.

We do have the ability to earn commissions on certain transactions, but these cannot be executed in fee-based accounts. If a client wants to purchase an investment that carries a commission, we can facilitate in a separate, non-fee based account.

What are your investment advisory fees?

• 1.00% on the first $5,000,000
• 0.50% on the next $20,000,000
• 0.40% on $25,000,000 and above 
  

For Example: 

If you have a $1.0 million dollar account, the fee would be calculated as follows: 1.0% on $1,000,000, or $10,000.

In the event of a natural disaster or other major regional emergency, will i still be able to contact efficient frontier group to conduct business?

If operations are disrupted at our office, we are able to work with full capabilities at any location with Internet access (this includes mobile devices). Our cloud-based systems ensure nearly 100% uptime if there is a regional emergency.