EFA Is a Fee-Only Registered Investment Advisory Firm in accordance with the Investment Advisers Act of 1940. As registered investment advisors we are held to a fiduciary standard of care. By law, we must ensure that each investment recommendation is based on your best interest. In the event that a conflict of interest should arise, we are required to let you know. Additionally, we are required to have a written code of ethics that governs our actions and fully discloses how we are compensated.
A person legally appointed and authorized to hold assets in trust for another person. The fiduciary manages the assets for the benefit of the other person, rather than for his or her own profit.*
A registered investment advisor, who is held to a “fiduciary standard,” looks after the assets of another person on that person’s behalf, is fully transparent, and required to disclose any potential conflicts of interest.*
We specialize in the implementation of a complete fiduciary management process. Unlike other service providers we actually step up to the plate and accept Fiduciary Liability.
Under ERISA’s general fiduciary requirements plan fiduciaries must engage in a prudent process for the selection & monitoring of investment alternatives.
We recognize the worthy endeavor of assisting participants’ reach their retirement goals. We accept fiduciary liability as a Qualified Fiduciary Advisor (QFA) and provide investment advice in a way a participant can use it.
An effective retirement plan begins with sound plan design and grows with attentive execution. Design elements impact every aspect of your plan—from investments and recordkeeping to compliance and communication.
A nonqualified plan can be used to provide additional long-term savings or retirement benefits to key employees, to provide incentives to achieve business objectives, or both.
As an independent firm, we represent our clients rather than any particular company. Our independence is vital to delivering objective, unbiased recommendations. While some companies recommend investment products that are manufactured by parent or subsidiary business entities, we have no such ties. As an independent financial planning firm, we represent our clients and their interests rather than any specific company.
We can provide advise on a wide array of products and services that help reduce risk and related losses. We customize our service to address specific customer needs, and work closely with customers to identify risks having greatest impact.