Disclosure Information

Legal Disclaimer

Signature Estate & Investment Advisors, LLC (“SEIA”) is an SEC registered investment adviser; however, such registration does not imply a certain level of skill or training and no inference to the contrary should be made. The information contained within this website is for informational purposes only and should not be considered investment advice or a recommendation to buy or sell any types of securities. The information contained within this website was carefully compiled from sources SEIA believes to be reliable, but we cannot guarantee accuracy. We provide this information with the understanding that we are not engaged in rendering legal, accounting, or tax services. In particular, none of the examples should be considered advice tailored to the needs of any specific investor. We recommend that all investors seek out the services of competent professionals in any of the aforementioned areas. With respect to the description of any investment strategies, simulations, or investment recommendations, we cannot provide any assurances that they will perform as expected and as described in our materials. Past performance is not indicative of future results. Every investment program has the potential for loss as well as gain. There is a risk of loss from an investment in securities, including the risk of loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular investor’s financial situation or risk tolerance. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses.

There are different costs associated with different types of securities and investors may be responsible for paying fees separate and distinct from those paid to SEIA to invest in such securities. Importantly, the fees specific to what SEIA charges do not include certain fees and charges imposed by third parties such as custodial fees, mutual fund fees and expenses, and additional fees charged by wrap sponsors. SEIA’s clients’ assets can also be subject to asset-based transaction fees, brokerage fees and commissions, retirement plan administration fees (if applicable), deferred sales charges on mutual funds, 12b-1 fees, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on custodial accounts and securities transactions. For mutual fund and exchange traded fund (“ETFs”) investments, investors are charged internal management fees, distribution fees and other expenses, which are described in each fund’s prospectus.

This website has been independently produced by SEIA. SEIA is independent of, and has no affiliation with Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”) or Fidelity Brokerage Services, LLC (“Fidelity”), members FINRA/SIPC. Neither Schwab, nor Fidelity, has created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor have they independently verified any of the information in them. SEIA provides the client with investment advice, while Schwab and Fidelity maintain custody of your assets in a brokerage account and will affect transactions in your account upon our instruction. All custodial fees and any other charges, fees and commissions incurred in connection with transactions for a SEIA client’s account are generally paid out of the assets in their managed account and are in addition to the investment management fees charged by SEIA. Notably, neither SEIA nor any of its associated persons receive any portion of the third-party fees. Investors should consider all fees that may be charged to their account and also understand that lower fees for comparable services may be available from other investment advisory firms.

Securities offered through Royal Alliance Associates, Inc. member FINRA/SIPC. Investment advisory services offered through SEIA, LLC. Royal Alliance Associates, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Royal Alliance Associates, Inc.

ADV Forms

Social Media Disclaimer

Investments in securities involve risk, including the potential loss of principal. Past performance is not a guarantee of future results.

Neither the information nor any opinion expressed herein constitutes a solicitation for the purchase or sale of any securities and should not be relied on as financial advice. Securities related services may not be available in all states. Please visit our website or contact our offices for details.

We do not provide customer service, handle any specific customer account inquiries, or enable financial transactions through any social media site. Should any client have questions or concerns that are specific to their account(s), please contact our office directly.

The site may contain links to information contained on a third-party website. We do not endorse or accept responsibility for the content of any third-party web site, and are not affiliated with any social media website. We do not expressly or implicitly adopt or endorse any of the expressions, opinions or content posted by third parties on social media sites. “Likes”, “Favorites” and comments should not be considered a reflection of client experiences or future performance. “Likes” and “Retweets” should not be considered an endorsement or recommendation of any security, company or individual.

For a list of the criteria used for the third-party rankings, awards, and accolades please see below:

It is up to you to read and understand the privacy policies for each social media site. We have no control over how social media sites or other third parties will use the information you share.

Third-party Rankings, Awards and Accolades Disclaimer

Important information regarding Third-party Rankings, Awards, and Accolades
Third-party rankings and recognition from rating services or publications are no guarantee of future investment success. Working with a rated adviser does not ensure that a client or prospective client will experience a higher level of service, performance or results. These ratings should not be construed as an endorsement of the adviser by any client nor are they representative of any one client’s evaluation or experience. Generally, ratings, rankings, and recognition are based on information prepared and submitted by the adviser. Third-party Rankings, Awards, and Accolades may:

  1. Represent a Third-party Rankings, Awards, and Accolades received by Signature Estate & Investment Advisors, LLC or its affiliates for a specific time period and may no longer be held in the current period;
  2. May have been obtained by paying a fee;
  3. May be based on data that was self-reported by the firm and not subject to independent verification;
  4. Not representative of any one client’s experience;
  5. May represent a small sample of candidates and may not be representative of the entire population of potential candidates;
  6. May not be indicative of future performance.
  7. Any third-party rankings, awards, or accolades should not be construed as an endorsement.

 

For a list of the criteria used for the third-party rankings, awards, and accolades please see below:

Barron’s Top 100 Independent Financial Advisors

• Was not obtained by paying a fee
• Was based on data that was self-reported
• Not representative of any one client’s experience
• May represent a small sample of candidates and may not be representative of the entire population of potential candidates

FT Top 300 RIA List

• Was not obtained by paying a fee
• Was based on data that was self-reported
• Not representative of any one client’s experience
• May represent a small sample of candidates and may not be representative of the entire population of potential candidates

Forbes Top 100 RIA Firms by 10-year growth

• Was not obtained by paying a fee
• Was based on data that was self-reported
• Not representative of any one client’s experience
• May represent a small sample of candidates and may not be representative of the entire population of potential candidates

Los Angeles Business Journal: 100 Best Places to Work in LA

• Was not obtained by paying a fee
• Was based on data that was self-reported
• Not representative of any one client’s experience
• May represent a small sample of candidates and may not be representative of the entire population of potential candidates

Worth Leading Wealth and Legal Advisors

• Was not obtained by paying a fee
• Was based on data that was self-reported
• Not representative of any one client’s experience
• May represent a small sample of candidates and may not be representative of the entire population of potential candidates

REP Top 100 RIA List

• Was not obtained by paying a fee
• Was based on data that was self-reported
• Not representative of any one client’s experience
• May represent a small sample of candidates and may not be representative of the entire population of potential candidates

California Consumer Privacy Act Disclosure

Last updated January 1, 2020

Applicability
This California Consumer Privacy Act Disclosure explains how Signature Estate & Investment Advisors, LLC will collect, use, and disclose personal information relating to California residents covered by the California Consumer Privacy Act (“CCPA”). This notice is provided pursuant to the CCPA.

Introduction
Under the CCPA, ‘Personal Information’ is information that identifies, relates to, or could reasonably be linked directly or indirectly with a specific California resident. The CCPA, however, does not apply to certain information, such as information subject to the Gramm-Leach-Bliley Act (“GLBA”).

The specific Personal Information that we collect, use, and disclose relating to a California resident covered by the CCPA will vary based on our relationship or interaction with that individual. This Disclosure does not apply with respect to information that we collect about California residents as part of an application for financial services or when obtaining our financial services for personal, family, or household purposes. For more information about how we collect, disclose, and secure information relating to these customers, please refer to our Privacy Notice.

Keeping Personal Information secure is one of our most important priorities. Consistent with our obligations under applicable laws and regulations, we maintain physical, technical, electronic, procedural and organizational safeguards and security measures that are designed to protect personal data against accidental, unlawful, or unauthorized destruction, loss, alteration, disclosure, or access, whether it is processed by us or elsewhere.

Collection and Disclosure of Personal Information
In the past 12 months, we have collected, and disclosed to third parties for our business purposes, the following categories of Personal Information relating to California residents covered by this disclosure:

  • Information we receive from you on account applications, which include identifiers, such as name, address, date of birth, occupation, financial goals, and government-issued identifier (e.g., Social Security number);
  • Information about your transactions with us, our affiliates, or others;
  • Personal information, as defined in the California safeguards law, such as contact information and financial information;
  • Characteristics of protected classifications under California or federal law, such as sex and marital status;
  • Commercial information, such as transaction information and purchase history;
  • Professional or employment-related information, such as work history and prior employer;
  • Inferences drawn from any of the Personal Information listed above to create a profile about, for example, an individual’s preferences and characteristics.

The categories of sources from whom we collected this Personal Information are:

  • Directly from a California resident or the individual’s representatives
  • Service Providers, information from our affiliates and other third parties
  • Public Record Sources (Federal, State or Local Government Sources)
  • Website and Social Media
  • Information from Client Directed Third Parties or Institutions representing a Client/Prospect
  • Information from Corporate Clients about individuals associated with the Clients (e.g., an employee or board member)

The categories of third parties to whom we disclosed Personal Information for our business purposes described in this privacy disclosure are:

  • Affiliates and Subsidiaries of Signature Estate & Investment Advisors, LLC.
  • To entities that perform services for us or function on our behalf, including financial service providers, custodians, broker dealers, investment companies, or insurance companies.
  • To your attorney, trustee or anyone else where you have given written permission to share information.
  • To our attorneys or auditors.
  • To government entities or other third parties in response to subpoenas or other legal process as required by law or to comply with regulatory inquiries. Signature Estate & Investment Advisors, LLC does not sell customer lists or customer information to third parties.
  • Vendors and Service Providers who provide services such as website hosting, data analysis, payment processing, order fulfillment, information technology, supervisory analysis, customer service, email delivery, auditing, marketing and marketing research activities.
  • Partners and Third Parties who provide services such as payment, communication infrastructure, storage, legal expertise, tax expertise, notaries and auditors, who analyze the financial services and products to customers and other prospective buyers.

Use of Personal Information

In the past 12 months, we have used Personal Information relating to California residents to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business purposes and objectives, including the following:

  • Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services.
  • To protect your accounts from unauthorized access or identity theft. For example, detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity.
  • Undertaking activities to verify or maintain the quality or safety of a service controlled by us, and to improve, upgrade, or enhance the service controlled by the business.
  • To establish or maintain an account with an unaffiliated third party, such as a clearing broker-dealer.
  • Complying with laws and regulations and to comply with other legal process and law enforcement requirements which includes any internal policy based on or reflecting legal or regulatory guidance, codes or opinions.

Sale of Personal Information
In the past 12 months, we have not “sold” Personal Information, including Personal Information of minors under the age of 16. For purposes of this Disclosure, “sold” means the disclosure of Personal Information to a third-party for monetary or other valuable consideration.

Rights under the CCPA
If you are a California resident, you have the right to:

  1. Request we disclose to you free of charge the following information covering the 12 months preceding your request:
    1. the categories of Personal Information about you that we collected;
    2. the categories of sources from which the Personal Information was collected;
    3. the purpose for collecting Personal Information about you;
    4. the categories of third parties to whom we disclosed Personal Information about you and the categories of Personal Information that was disclosed (if applicable) and the purpose for disclosing the Personal Information about you; and
    5. the specific pieces of Personal Information we collected about you;
  2. Request we delete Personal Information we collected from you, unless the CCPA recognizes an exception; and
  3. Be free from unlawful discrimination for exercising your rights under the CCPA.

We will acknowledge receipt of your request. We will then seek to verify your identity. Requests for specific pieces of Personal Information will require additional information to verify your identity.

If you submit a request on behalf of another person, we may require proof of authorization and verification of identity directly from the person for whom you are submitting a request.

In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another individual. Additionally, we will not honor your request where an exception applies, such as information covered by GLBA or where the disclosure of Personal Information would adversely affect the rights and freedoms of another consumer or where the Personal Information that we maintain about you is not subject to the CCPA’s access or deletion rights.

We will advise you if we are not able to honor your request. We will not provide social security numbers, driver’s license numbers or government issued identification numbers, financial account numbers, health care or medical identification numbers, account passwords or security questions and answers, or any specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft or fraud or unreasonable risk to data or systems and network security.

We will work to process all verified requests within 45 days pursuant to the CCPA. If we need an extension for up to an additional 45 days in order to process your request, we will provide you with an explanation for the delay.

How to Exercise Your Rights
If you are a California resident, you may submit a request by:

  1. Completing the Personal Information Request Form and emailing the completed form to operations@seia.com
  2. Calling (800) 723-5115

Questions or Concerns
You may contact us with questions or concerns about this Disclosure and our practices by:

    1. Writing us at:

Signature Estate & Investment Advisors, LLC
2121 Avenue of the Stars, Suite 1600
Los Angeles, CA 90067

    1. Emailing us at:

operations@seia.com

Changes to this California Consumer Privacy Act Disclosure
We may change or update this Disclosure periodically. Each update will be reflected via the “Last Updated” date.

Professional Designations

Chartered Financial Analyst® (CFA® )

The Chartered Financial Analyst® (CFA® ) charter is a globally respected, graduate-level investment credential established in 1962 and awarded by CFA Institute — the largest global association of investment professionals.

To earn the CFA® charter, candidates must: 1) pass three sequential, six-hour examinations; 2) have at least four years of qualified professional investment experience; 3) join CFA Institute as members; and 4) commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct.

High Ethical Standards
The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced through an active professional conduct program, require CFA® charterholders to:

  • Place their clients’ interests ahead of their own
  • Maintain independence and objectivity
  • Act with integrity
  • Maintain and improve their professional competence
  • Disclose conflicts of interest and legal matters

Global Recognition
Passing the three CFA® exams is a difficult feat that requires extensive study (successful candidates report spending an average of 300 hours of study per level). Earning the CFA® charter demonstrates mastery of many of the advanced skills needed for investment analysis and decision making in today’s quickly evolving global financial industry. As a result, employers and clients are increasingly seeking CFA® charterholders—often making the charter a prerequisite for employment.

Additionally, regulatory bodies in 19 countries recognize the CFA® charter as a proxy for meeting certain licensing requirements, and more than 125 colleges and universities around the world have incorporated a majority of the CFA Program curriculum into their own finance courses.

Comprehensive and Current Knowledge
The CFA® Program curriculum provides a comprehensive framework of knowledge for investment decision making and is firmly grounded in the knowledge and skills used every day in the investment profession. The three levels of the CFA® Program test a proficiency with a wide range of fundamental and advanced investment topics, including ethical and professional standards, fixed-income and equity analysis, alternative and derivative investments, economics, financial reporting standards, portfolio management, and wealth planning.

The CFA® Program curriculum is updated every year by experts from around the world to ensure that candidates learn the most relevant and practical new tools, ideas, and investment and wealth management skills to reflect the dynamic and complex nature of the profession. To learn more about the CFA® charter, visit www.cfainstitute.org.

Certified Financial Planner™ (CFP® )

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

  • Education – Complete an advanced college-level course of study addressing the financial
    planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign
    university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
  • Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
  • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
  • Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals.

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:

  • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.
    CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Certified Private Wealth AdvisorSM (CPWA® )

The CPWA designation signifies that an individual has met initial and on-going experience, ethical, education, and examination requirements for the professional designation, which is centered on management topics and strategies for high-net-worth clients.

Prerequisites/Experience required: Prerequisites for the CPWA designation are: a Bachelor’s degree from an accredited college or university or one of the following designations or licenses: CIMA®, CIMC®, CFA®, CFP®, ChFC® or CPA license; acceptable regulatory history as evidenced by FINRA

Form U-4 or other regulatory requirements; five years of professional client-centered experience in financial services or a related industry; and two letters of reference from an IMCA member, professional supervisor, or currently licensed professional in financial services or a related industry. CPWA designees must complete a six-month pre-class educational component and a five-day classroom education program through The University of Chicago Booth School of Business. CPWA designees are required to adhere to IMCA’s Code of Professional Responsibility and Rules and Guidelines for Use of the Marks.

Continuing Education/Experience Requirements: CPWA designees must report 40 hours of continuing education credits, including two ethics hours, every two years to maintain the certification. The designation is administered through Investment Management Consultants Association (IMCA®).

Website: www.imca.org

Certified Investment Management Analyst (CIMA®)

Certified Investment Management AnalystSM (CIMA®) The CIMA certification signifies that an individual has met initial and on-going experience, ethical, education, and examination requirements for investment management consulting, including advanced investment management theory and application. Prerequisites for the CIMA certification are three years of financial services experience and an acceptable regulatory history. To obtain the CIMA certification, candidates must pass an online Qualification Examination, successfully complete a one-week classroom education program provided by a Registered Education Provider at an AACSB accredited university business school, and pass an online Certification Examination. CIMA designees are required to adhere to IMCA’s Code of Professional Responsibility, Standards of Practice, and Rules and Guidelines for Use of the Marks. CIMA designees must report 40 hours of continuing education credits, including two ethics hours, every two years to maintain the certification. The designation is administered through Investment Management Consultants Association (IMCA®).

Chartered Alternative Investment Analyst (CAIA)

The CAIA designation, recognized globally, is administered by the Chartered Alternative Investment Analyst Association and requires a comprehensive understanding of core and advanced concepts regarding alternative investments, structures, and ethical obligations. To qualify for the CAIA designation, finance professionals must complete a self-directed, comprehensive course of study on risk- return attributes of institutional quality alternative assets; pass both the Level I and Level II CAIA examinations at proctored testing centers; attest annually to the terms of the Member Agreement; and hold a bachelor’s degree (or equivalent) plus have at least one year of professional experience or have four years of professional experience. Professional experience includes full-time employment in a professional capacity within the regulatory, banking, financial, or related fields. Once a qualified candidate completes the CAIA program, he or she may apply for CAIA membership and the right to use the CAIA designation, providing an opportunity to access ongoing educational opportunities.

Accredited Asset Management Specialistsm (AAMS®)

The growing emphasis on building lasting client relationships and gathering assets under management is changing the way the investment community conducts business. Many of the country’s top investment firms were involved in developing the program, making it uniquely suited to the needs of today’s investment professionals. The materials include real-life examples, figures, and tables translating investment concepts into everyday work experience—making what you learn immediately applicable to your business. The College for Financial Planning® awards the Accredited Asset Management Specialistsm and AAMS® designation to students who:

  • Successfully complete the program;
  • Pass the final examination; and
  • Comply with the Code of Ethics, which includes agreeing to abide by the Standards of Professional Conduct and Terms and Conditions.

Applicants must also disclose of any criminal, civil, self-regulatory organization, or governmental agency inquiry, investigation, or proceeding relating to their professional or business conduct. Conferment of the designation is contingent upon the College for Financial Planning’s review of matters either self-disclosed or which are discovered by the College that are required to be disclosed.

Students must sign and return the Code of Ethics forms within six months of passing the final exam. Failure to complete and submit the forms within this time frame may result in termination of the individual’s candidacy. If an individual wishes to apply for authorization to use the Marks in the future, he or she may be required to fulfill the initial designation requirements in place at the time of passing the exam.

Successful students receive a certificate and are granted the right to use the designation on correspondence and business cards for a two-year period.
Continued use of the AAMS® designation is subject to ongoing renewal requirements. Every two years individuals must renew their right to continue using the AAMS® designation by:

  • Completing 16 hours of continuing education;
  • Reaffirming to abide by the Standards of Professional Conduct, Terms and Conditions, and self disclose any criminal, civil, self-regulatory organization, or governmental agency inquiry, investigation, or proceeding relating to their professional or business conduct; and
  • Paying a biennial renewal fee.

Detailed renewal requirements for the College for Financial Planning’s professional designation programs can be found on www.cffpalum.org/renewal.

ChFC® (Chartered Financial Consultant®)

The ChFC® designation has been a mark of excellence for almost thirty years and currently requires nine college-level courses. Average study time to earn the ChFC® exceeds 450 hours. Required courses cover extensive education and application training in financial planning, income taxation, investments, and estate and retirement planning. Additional electives are chosen from such topics as macroeconomics, financial decisions for retirement, and executive compensation. ChFC® designees must meet experience requirements and adhere to continuing education and ethical standards. The credential is awarded by The American College, a non-profit educator with an 84-year heritage and a high level of academic accreditation.


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