EFFICIENT PORTFOLIO CONSULTANTS, LLC IS A REGISTERED INVESTMENT ADVISORY FIRM, REGISTERED WITH THE S.E.C.

REGISTERED INVESTMENT ADVISORS OFFER THE HIGHEST LEVEL OF INVESTOR PROTECTION

• RIAs are legally required to act in the investor’s best interest in all aspects of the financial relationship.
• RIAs must disclose all conflicts of interest prior to providing financial advice.
• Identify and monitor illiquid securities
• Employ fair market valuation procedures where appropriate
• Observe procedures regarding the allocation of investment opportunities, including new issues and the aggregation of orders

FOR BROKER – DEALER AFFILIATED RIAs:

• Have policies regarding affiliated broker-dealers and maintenance of brokerage accounts
• Have policies on use of brokerage commissions for research
• Have policies regarding directed brokerage, including step-out trades and payment for order flow

STOCKBROKERS ARE HELD TO SUITABILITY OBLIGATIONS ON THE PART OF THEIR BROKER-DEALER WHEN MAKING RECOMMENDATIONS:

• Reasonable Basis Suitability — the broker-dealer must believe that the recommended security is suitable for any investor
• Customer-Specific Suitability — the broker-dealer must believe that its recommendation is suitable for that particular investor

Some RIAs contrary to their claims are not fully independent, in that they have Broker-Dealer affiliations.  Efficient Portfolio Consultants, LLC has no Broker-Dealer affiliations and we receive no 12b(1) promotion fees from mutual fund companies or “free” research from any broker-dealer.  Although our founder is a practicing attorney, there is no conflict because his legal insights and experience are purely incidental and offered solely in support of his investment advisory practice of developing prudent, proven, efficient and ethical investment management practices, featuring independent and specifically tailored investment advice, and featuring wealth management estate planning for affluent individuals.

We are however thrilled to be soon affiliated with TD Ameritrade Institutional.  Our relationship with Ameritrade is strictly on a fee for service basis.  Since we are totally independent, there is no hidden compensation or kick-backs.

Although our financial relationship with our clients is also on a fee for service basis, we seek to treat our clients as long terms friends.  When we first meet with you we seek discuss how we can help you plan and manage your retirement dreams.  Many investors believe they don't get the attention they require.

As a result, we seek and prefer to set up our initial meeting in a private one-on-one informal, no pressure, non threatening setting expressly designed for the opportunity for us to get to know each other, personally. In this pleasant setting, you can ask us questions that will allow you to judge our ability to help you identify and realize your retirement and wealth management dreams.

At the same time, we can ask you about your life goals, your current financial situation, and your dreams for the future. By learning about you in such an informal setting, we can begin to better understand you as individuals and how to better formulate a personal, long term, investment strategy that will best fit your lifestyle and your future life management desires.