Girard Investment Services, LLC
Form CRS: Client Relationship Summary
June 30, 2020
Introduction |
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Girard Investment Services, LLC (“Girard”) is a broker/dealer registered with the Securities and Exchange Commission and is a member of the Financial Industry Regulatory Authority (“FINRA”) and Securities Investor Protection Corporation (“SIPC”). As a broker/dealer, we provide brokerage accounts and services to our clients and not investment advisory accounts and services. These services differ, including the related commissions and fees, and it is important for you to understand the differences. This document will give you a summary of the types of services we provide and how you pay.
Please note that there are free and simple tools available to research firms and financial professionals at Investor.gov/CRS. This site also provides educational materials about broker/dealers, investment advisers and investing.
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Relationships and Services |
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What investment services and advice can we provide you?
For Additional Information: Please refer to our firm’s disclosure agreement. This agreement expands upon our business, services, account minimums and other important information.
Ask your financial professional:
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Fees and Costs |
What fees will you pay?
You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.
For Additional Information: Please refer to our firm’s disclosure agreement, product prospectus (for mutual funds, ETFs, variable annuities) and brokerage account transaction/account fee schedule. These disclosures expand upon the fees and costs you will pay for a specific product or service.
Ask your financial professional: Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?
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Conflicts of InterestWhat are our legal obligations to you when providing recommendations? How else does our firm make money and what conflicts of interest do we have?
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When we provide you with a recommendation, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they affect the recommendations we provide you. Here is an example to help you understand what this means.
Ask your financial professional: How might our conflicts of interest affect you, and how will we address them?
For Additional Information: Please refer to our firm’s disclosure agreement (Fee and Expenses section) which expands upon our conflicts of interest beyond the information provided in this section.
How do our Financial Professionals make money?
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Disciplinary HistoryDoes our firm or our financial professionals have a legal or disciplinary history?
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Yes. Visit Investor.gov/CRS for a free and simple search tool to research our firm and our financial professionals.
Ask your financial professional: As a financial professional, do you have any disciplinary history? If so, for what type of conduct?
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Additional Information |
Ask your financial professional: Who is my primary contact person? Is he or she a representative of an Investment adviser or a broker/dealer? Who can I talk to if I have concerns about how this person is treating me?
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