Vic Gonsalves is the ERISA Attorney/RIA Chief Executive Officer and Founder of Efficient Portfolio Consultants, LLC.   For many years Vic's practice has provided asset advisory and estate planning services for individuals.     LICENSES Practice of Law in the State of California   INACTIVE REGISTRATIONS NASD Series 6, 7, 24, 63 and 65.   ACTIVE REGISTRATIONS Registered Investment Advisor with the SEC   EDUCATION Juris Doctor- University of California Hastings College of the Law at San Francisco   Masters in Public Administration - California State University at Hayward (Need to complete thesis)   Bachelor of Science - Business Administration & Economics - University of California at Berkeley   PROFESSIONAL AFFILIATIONS Member of the California State Bar Association   Former Member NASD   Former Member Profit Sharing/401k Council of America     PUBLISHED AUTHOR: ERISA and Modern Portfolio Theory    PSCA, Profit Sharing Magazine, January/February 2004   LECTURER Continuing Legal Education of the State Bar of California Continuing Education for PHR and SPHR designations Continuing Education for California Certified Public Accountants Various workshops