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We believe it is important that our clients fully understand our business relationships and how they may affect the way our products and services are provided; therefore, the following documents are provided for review:

• Product Charges and Expenses

> Mutual Fund Sales Charges

> Understanding Mutual Fund Fees

> Variable Insurance and Variable Annuity Charges

> Tax Free “1035” Exchanges of Variable Products

> Other Products

> Marketing Support and Similar Payments

• Client Fees

• Margin Accounts

• Business Continuity

• Investment Advisory Program Disclosures

Anchor Links in the sublist

Before investing in any financial product, it is important that you understand the sales charges, expenses, and fees that you will be charged, as well as applicable discounts to which you may be entitled. Understanding these charges and discounts will assist you in identifying the best investment for your particular needs and may help you reduce the cost of your investment. This disclosure document will give you general background information about these charges and discounts. However, sales charges, expenses, fees, and discounts vary from product to product, and even within product categories.  You should also understand that a portion of any sales charges that you pay, as well as certain internal product expenses, is allocated to compensate your financial advisor.  You should discuss these issues with your financial advisor and review each product’s prospectus or other disclosure documents which are available from your financial advisor, to get the specific information regarding the charges and discounts.

Mutual Fund Sales Charges

Investors that purchase mutual funds must make certain choices, including which funds to purchase and which class share is most advantageous. Each mutual fund has a specified investment strategy. You need to consider whether the mutual fund’s investment strategy is compatible with your investment objectives. Additionally, most mutual funds offer different share classes. Although each share class represents a similar interest in the mutual fund’s portfolio, the mutual fund will charge you different fees and expenses depending upon your choice of share class. As a general rule, Class A shares carry a “front-end” sales charge or “load” that is deducted from your investment at the time you buy fund shares. This sales charge is a percentage of your total purchase. As explained below, many mutual funds offer volume discounts to the front-end sales charge assessed on Class A shares at certain pre-determined levels of investment, which are called “breakpoint discounts.” In contrast, Class B and virtually all C shares do not carry any front-end sales charges. Instead, investors that purchase Class B or C shares pay asset-based sales charges, which may be higher than the charges associated with Class A shares. Investors that purchase Class B and C shares may also be required to pay a sales charge known as a contingent deferred sales charge when they sell their shares, depending upon the rules of the particular mutual fund. Liquidations of Class B or C shares immediately prior to the anniversary date of your purchase will result in a higher contingent deferred sales charge than liquidations made after the anniversary date.

Understanding Mutual Fund Fees

Fees are charged by all mutual funds. Over time, even a small difference in percentages can have a significant effect on the overall return. That’s why you should be aware of all the fees associated with any investment. Some fees are transaction based, while others are charged on an ongoing basis.  The details of the types of fees you will be charged are described in detail in each fund’s prospectus. It is important to read the prospectus before you invest.  Following are some of the types of fees, including internal product expenses, which are charged on an ongoing basis:

  • 12b-1 fees. These fees are taken out of the fund’s assets to pay for the cost of marketing and selling the fund, for some shareholder services, and sometimes to pay employee bonuses. These fees are capped at 1% annually.
  • Management fees. These fees pay the fund’s portfolio manager and vary from fund to fund.
  • Other expenses. This miscellaneous category includes the costs of providing services to shareholders outside of the expenses which are covered by 12b-1 fees or portfolio management fees. You also pay transaction fees for the trades the fund makes, though this amount is not reported separately as the other fees are.

Other fees may be charged depending on the type or terms of a particular mutual fund, or characteristics unique to particular investors’ activity:

  • Redemption fees. Mutual funds are long term products and investors are discouraged from making very short term trades.  Funds often charge a redemption fee to investors who sell shares shortly after buying them. The redemption fee period can vary from just a few days to over a year depending on the fund.  If you think you might need to sell your shares shortly after purchasing them it is important to thoroughly understand the fund’s redemption policy.
  • Exchange fees. Some funds also charge exchange fees for moving your money to another fund offered by the same fund company. So, you may incur an exchange fee if you move your money from one fund to another within the same fund company.
  • Account fees. Funds may charge you a fee for account maintenance. Particularly, if your account drops below an established dollar amount.
  • Purchase Fee. A purchase fee is another type of fee that some funds charge their shareholders when the shareholders purchase their shares. A purchase fee differs from, and is not considered to be, a front-end sales load because a purchase fee is paid to the fund (not to a broker) and is typically imposed to defray some of the fund’s costs associated with the purchase.

You can compare mutual fund fees by looking at the expense ratio, sometimes called the Total Annual Fund Operating Expenses. This represents the percentage of the fund’s total assets that goes toward paying its recurring fees every year. You can find this percentage in the prospectus, on the fund’s Web site, or in financial publications that evaluate mutual fund products.  As mentioned earlier, with higher fees, it is more difficult for the fund to do better than the overall market as measured by the appropriate benchmark.

The Financial Industry Regulatory Authority (FINRA) provides an easy-to-use, online Fund Analyzer that allows you to compare expenses among funds-or among different share classes of the same fund. FINRA uses live data and captures expense information for thousands of funds.  The analyzer can help you understand the impact fees have on your investment over time. Once you select up to three funds, type in the amount you plan to invest and how long you plan to keep the fund.

You should also be aware of transaction fees, which the mutual fund pays to a brokerage firm to execute its buy and sell orders. Those fees are not included in the expense ratio, but are subtracted before the fund’s return is calculated. The more the fund buys and sells in its portfolio, which is reported as its turnover rate, the higher its transaction costs may be.

Variable Insurance and Variable Annuity Charges

You will pay several charges when you invest in variable insurance contracts, including variable annuities. Be sure you understand all the charges before you invest. These charges will reduce the value of your account and the return on your investment. The following discussion will focus on charges and expenses associated with variable annuities; however, many of the same expenses that apply to variable annuities are also applicable to variable life insurance contracts.  Typically, the costs associated with the insurance component of the contracts will be more significant with respect to variable life insurance because of the more substantial tax-free death benefits.  As with all products, refer to the prospectus or other offering documents for specific details.

Typical charges and expenses for variable annuities will include the following:

  • Surrender charges – If you withdraw money from a variable product within a certain period after a purchase payment (typically within six to eight years, but sometimes as long as ten years), the insurance company usually will assess a “surrender” charge, which is a type of sales charge. This charge is used to pay your financial professional a commission for selling the variable annuity to you. Generally, the surrender charge is a percentage of the amount withdrawn, and declines gradually over a period of several years, known as the “surrender period.” For example, a 7% charge might apply in the first year after a purchase payment, 6% in the second year, 5% in the third year, and so on until the eighth year, when the surrender charge no longer applies. Often, contracts will allow you to withdraw part of your account value each year – 10% or 15% of your account value, for example – without paying a surrender charge. Example: You purchase a variable annuity contract with a $10,000 purchase payment. The contract has a schedule of surrender charges, beginning with a 7% charge in the first year, and declining by 1% each year. In addition, you are allowed to withdraw 10% of your contract value each year free of surrender charges. In the first year, you decide to withdraw $5,000, or one-half of your contract value of $10,000 (assuming that your contract value has not increased or decreased because of investment performance). In this case, you could withdraw $1,000 (10% of contract value) free of surrender charges, but you would pay a surrender charge of 7%, or $280, on the other $4,000 withdrawn.
  • Mortality and expense risk charge – This charge is equal to a certain percentage of your account value, typically in the range of 1.25% per year. This charge compensates the insurance company for insurance risks it assumes under the annuity contract. Profit from the mortality and expense risk charge is sometimes used to pay the insurer’s costs of selling the variable annuity, such as a commission paid to your financial professional for selling the variable annuity to you. Example: Your variable annuity has a mortality and expense risk charge at an annual rate of 1.25% of account value. Your average account value during the year is $20,000, so you will pay $250 in mortality and expense risk charges that year.
  • Administrative fees – The insurer may deduct charges to cover record-keeping and other administrative expenses. This may be charged as a flat account maintenance fee (perhaps $25 or $30 per year) or as a percentage of your account value (typically in the range of 0.15% per year). Example: Your variable annuity charges administrative fees at an annual rate of 0.15% of account value. Your average account value during the year is $50,000. You will pay $75 in administrative fees.
  • Underlying Fund Expenses – You will also indirectly pay the fees and expenses imposed by the mutual funds that are the underlying investment options for your variable annuity.  Such fees include, for example, 12b-1 fees (see discussion in mutual fund section), certain tax charges levied against insurance companies, and similar expenses.
  • Fees and Charges for Other Features – Special features offered by some variable annuities, such as a stepped-up death benefit, a guaranteed minimum income benefit, or long-term care insurance, often carry additional fees and charges.

Other charges, such as initial sales loads, or fees for transferring part of your account from one investment option to another, may also apply. You should ask your financial professional to explain to you all charges that may apply. You can also find a description of the charges in the prospectus for any variable annuity that you are considering.

Tax-Free “1035” Exchanges of Variable Products

Section 1035 of the U.S. Tax Code allows you to exchange certain insurance products for others, such as an existing variable annuity contract for another variable annuity contract, or a variable life insurance contract to another variable life or variable annuity contract, without paying any tax on the income and investment gains in your current variable annuity account. These tax-free exchanges, known as 1035 exchanges, can be useful if another variable product has features that you prefer, such as a larger death benefit, different annuity payout options, or a wider selection of investment choices.

You may, however, be required to pay surrender charges on the old contract if you are still in the surrender charge period. In addition, a new surrender charge period generally begins when you exchange into the new contract. This means that, for a significant number of years (as many as 10 years), you typically will have to pay a surrender charge (which can be substantial) if you withdraw funds from the new contract. Further, the new contract may have higher annual fees and charges than the old contract, which will reduce your returns.  You should take all these factors into consideration in determining whether an exchange makes sense for you.

Other Products

The discussion above provides significant detail concerning mutual funds as well as variable insurance and annuities; however investors should understand that the fees, expenses and charges described above are typical of many financial products, including managed futures, hedge funds and funds of funds, 529 college savings plans, and other pre-packaged, professionally-managed products.  These costs are typically described in detail in prospectuses or similar offering documents and should be a factor in your decision whether to invest in a particular product.

Marketing Support and Similar Payments

Some fees, expenses or charges, such as investment management fees, are retained by product issuers or their affiliates. Some of these fees, such as fees related to marketing and distribution of the products (such as “Rule 12b-1 fees” discussed above), service fees related to personal services for investors and/or the maintenance of shareholder accounts, and other shareholder servicing fees, are shared with our clearing firm and/or Benjamin F. Edwards & Co. (BFEC). Such fees are typically charged as a percentage of the asset value under management.

BFEC receives payments related to the shared fees described above either directly from mutual fund companies, product vendors or related parties, or indirectly from multi-product platforms that receive payments directly from fund companies, product vendors or related parties. Currently, BFEC receives this type of indirect payment through participation in the FundVest® platform of our clearing firm.  BFEC uses the FundVest® platform for the significant operational efficiencies the platform provides to BFEC’s investment advisory programs. 1

It is important to note, however, that BFEC does not treat the universe of funds on the FundVest® platform as constituting a “preferred list” or “recommended list” in the sense that products carried on that platform are necessarily “better” than other products that might be available off-platform. Exceptions for use of non-FundVest® investments in BFEC investment advisory accounts may be made on a case-by-case basis.

BFEC seeks to receive marketing support payments (sometimes referred to as revenue sharing or by similar terms) from a fund’s investment adviser or other fund affiliate, as well as from insurance company product vendors, third party money managers, and other product-, platform- or service-providers.  Such payments are made for the purpose of compensating BFEC for its marketing and educational efforts associated with sales of the funds. Such payments are typically paid as a percentage of the fund’s assets under management with BFEC or may be paid in lump sum amounts as reimbursement for expenses associated with particular events such as motivational, training or educational events for financial advisors or clients, as well as other events presented by BFEC.  BFEC does not receive such payments in connection with all funds, products, or providers.  There is no payout or other financial incentive to financial advisors to sell products offered by parties from whom BFEC receives such payments.

It should also be noted that some product vendors, money managers, or service providers may make nominal gifts or provide business entertainment, such as meals or tickets to theatrical, sporting or other events, to BFEC or its employees.

To the extent BFEC receives any of the payments described above, it may have an incentive to recommend or sell those products over products that do not make such payments, or which pay less than other products, rather than based on clients’ needs. BFEC financial advisors do not receive compensation in connection with such payments for advisory wrap accounts.

If you have any questions regarding any of the above, please don’t hesitate to contact your financial advisor.

1.  Funds carried on the FundVest® platform constitute the primary (though not exclusive) universe of mutual funds used in BFEC’s Mutual Fund Portfolios, Custom Mutual Fund Portfolios, Client Portfolios and Private Portfolios investment advisory programs. Additionally, BFEC’s investment advisory program includes model mutual fund portfolios developed by Russell Funds, which also participates in the FundVest® platform.

Your brokerage firm is furnishing this document to you to provide some basic facts about purchasing securities on margin, and to alert you to the risks involved with trading securities in a margin account. Before trading stocks in a margin account, you should carefully review the margin agreement provided by your firm. Consult your firm regarding any questions or concerns you may have with your margin accounts.

When you purchase securities, you may pay for the securities in full or you may borrow part of the purchase price from your brokerage firm. If you choose to borrow funds from your firm, you will open a margin account with the Firm. The securities purchased are the Firm’s collateral for the loan to you. If the securities in your account decline in value, so does the value of the collateral supporting your loan, and, as a result, the Firm can take action, such as issue a margin call and/or sell securities or other assets in any of your accounts held with the member, in order to maintain the required equity in the account.

It is important that you fully understand the risks involved in trading securities on margin. These risks include the following:

  • You can lose more funds that you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to the Firm that has made the loan to avoid the forced sale of those securities or other securities or assets in your account(s).
  • The Firm can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirement or the Firm’s higher “house” requirements, the Firm can sell the securities or other assets in any of your accounts held at the Firm to cover the margin deficiency. You also will be responsible for any short fall in the account after such a sale.
  • The Firm can sell your securities or other assets without contacting you. Some investors mistakenly believe that a firm must contact them for a margin call to be valid, and that the Firm cannot liquidate securities or other assets in their accounts to meet the call unless the Firm has contacted them first. This is not the case. Most firms will attempt to notify their customers of margin calls, but they are not required to do so. However, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the Firm can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to the customer.
  • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, the Firm has the right to decide which security to sell in order to protect its interests.
  • The Firm can increase its “house” maintenance margin requirements at any time and is not required to provide you advance written notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause the member to liquidate or sell securities in your account(s).
  • You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to customers under certain conditions, a customer does not have a right to the extension.

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Benjamin F. Edwards & Company has developed a Business Continuity Plan on how we will respond to events that significantly disrupt our business. Since the timing and impact of disasters and disruptions are unpredictable, we will have to be flexible in responding to actual events as they occur. With that in mind, we are providing you with this information on our business continuity plan.

Contacting Us – If after a significant business disruption you cannot contact your local branch office, you may contact the home office at (314)726-1600 or (855) 382-1600, or Al.Tylka@nullBenjaminFEdwards.com. If the business disruption prohibits you from contacting the home office, you may contact Pershing LLC directly to process limited trade-related transactions, cash disbursements, and securities transfers. Instructions to Pershing must be in writing and transmitted via facsimile to (201) 413-5368 or by postal service as follows:

Pershing LLC

P.O. Box 2065

Jersey City, New Jersey 07303-2065

For additional information about how to request funds and securities when Pershing cannot be contacted due to significant business interruption please select the Business Continuity and Other Disclosures link at the bottom of the home page on the Pershing web site at www.pershing.com. You may also call (201) 413-3635 for recorded instructions.

Our Business Continuity Plan – We plan to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm’s books and records, and allowing our customers to transact business. In short, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption. Our business continuity plan addresses: data backup and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their funds and securities if we are unable to continue our business.

Our clearing firm, Pershing LLC, backs up our important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, we have been advised by our clearing firm that its objective is to restore its own operations and be able to complete existing transactions and accept new transactions and payments within 4 hours. Your orders and requests for funds and securities could be delayed during this period.

Varying Disruptions – Significant business disruptions can vary in their scope, such as only our firm, a single building housing our firm, the business district where our firm is located, the city where we are located, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption to only our firm or a building housing our firm, we will transfer our operations to a local site when needed and expect to recover and resume business within four hours. In a disruption affecting our business district, city, or region, we will transfer our operations to a site outside of the affected area, and recover and resume business within the same business day. Should any of these situations occur, we plan to continue business and provide recorded information on the current state of our recovery efforts. To access these recorded updates, clients may call our Home Office number, (314) 726-1600 or (855) 382-1600.

For more information – If you have questions about our business continuity planning, you can contact us at 314-726-1600.

This plan is subject to modification, an updated summary will be promptly posted on our Web site and customers may alternatively obtain updated summaries by requesting a written copy by mail.

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Uniform Application for Investment Advisor Registration (Form ADV) Forms/Brochures:

Form ADV, Part 1

Form ADV, Part 2A Firm Brochure

Form ADV Part 2A Appendix 1 – Wrap Fee Program Brochure

A copy of your financial advisor’s ADV 2B may be obtained from your financial advisor.

Other Important Disclosures

Pdf documents require Adobe Acrobat® Reader, which can be downloaded free of charge from Adobe’s site.

We want to have an open and engaging relationship with our clients. Please feel free to review the following:

  • Safeguarding Your Confidential Client Information
  • Information We Need From You

Your Online Privacy and Safety

To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify and record information that identifies each person who opens an account.

This notice answers some questions about your firm’s Customer Identification Program.

What types of information will I need to provide?

When you open an account, your firm is required to collect the following information:

  • Name
  • Date of birth
  • Address
  • Identification number

U.S. citizen: taxpayer identification number (Social Security number or employer identification number)

Non-U.S. citizen: taxpayer identification number; passport number and country of issuance; alien identification card number; or government-issued identification showing nationality, residence and a photograph of you.

You may also need to show your driver’s license or other identifying documents.

A corporation, partnership, trust or other legal entity may need to provide other information, such as its principal place of business, local office, employer identification number, certified articles of incorporation, government-issued business license, a partnership agreement or a trust agreement.

U.S. Department of the Treasury, Securities and Exchange Commission, NASD and New York Stock Exchange rules already require you to provide most of this information. These rules also may require you to provide additional information, such as your net worth, annual income, occupation, employment information, investment experience and objectives and risk tolerance.

What happens if I don’t provide the information requested or my identity can’t be verified?

Your firm may not be able to open an account or carry out transactions for you. If your firm has already opened an account for you, they may have to close it.

Widespread use of modern technology carries certain risks and dangers. While Benjamin F. Edwards & Co. (“Edwards”) takes special measures to ensure the safety of your personal information, your efforts can help to maintain your financial security.

Phishing is the practice of impersonating a trusted company or person in an attempt to gain sensitive information such as Social Security numbers, as well as account numbers and passwords. It is typically conducted by email, but it can also take place over the phone or by mail. Never provide sensitive information to anyone unless you personally know them and there is a valid reason for conveying the information.

Fraudulent emails often have the appearance of legitimate messages from financial institutions and retailers. Persons sending these messages are able to alter the “from” address, and add links leading to internet sites similar to trusted sites, when in fact they may host potentially dangerous viruses. These sites will commonly invite you to submit account or credit card information in order to gain information or products and services. It is always safest to type a website’s address into your browser rather than to rely on a link contained in an email.

To ensure the safety of your information, follow these guidelines:

  • Never enter a password on the Internet unless you know the site to be authentic. Never give your password to anyone electronically or verbally. Edwards will never ask for your password.
  • Use antivirus and firewall software, and keep them up to date.
  • Do not supply credit card or other sensitive information to persons calling by phone. If you wish to obtain products or services from the caller, ask for the company name and their contact information. Verify the information through the phone directory or Internet before calling back.
  • If an email appears to be from a trusted institution but contains multiple spelling or grammatical errors, it may in fact be fraudulent.
  • If you have reason to suspect that an email message isn’t legitimate, do not respond to it. Instead, contact the company that purportedly sent the message to confirm the message’s legitimacy.
  • Never open unsolicited or unexpected email attachments unless you know the sender, and verify that the sender intended to send them.
  • Do not store personal information on public or shared computers, and always remember to delete your browsing history before logging out of a shared computer.

In addition to immediate financial risk, successful phishing exploits will often expose you to identity theft. Once your sensitive information has been gained by fraudulent individuals, it may be sold to others, used to obtain credit in your name, and may even jeopardize your personal safety.

Your information can also be endangered by burglary, virus intrusions, and “dumpster diving.” It is wise to invest in a cross-cut shredder to destroy personal documents, expired credit cards, and unsolicited credit offers. If you use your computer to store or access sensitive information, or to make purchases online, it is essential that you keep your virus protection software current.

If you believe you may be a victim of identity theft you should contact the following credit bureaus to place an alert in your credit records:

  • Equifax: (800) 525-6285
  • Experian: (888) 397-3742
  • TransUnion: (800) 680-7289

In addition, you should file a police report and contact the Federal Trade Commission (FTC). You should also contact your financial institutions if you believe your account information may have been compromised.

For further information regarding Benjamin F. Edwards & Co.’s information security measures, please visit our Privacy Policy.

Benjamin F. Edwards & Co. introduces transactions on a fully disclosed basis to our clearing firm, Pershing LLC. In November 2000, the U.S. Securities and Exchange Commission adopted rules aimed at improving the quality and availability of disclosure related to order execution and routing practices. These reports provide information on the routing of “non-directed orders,” any order that the customer has not specifically instructed to be routed to a particular venue for execution. For these non-directed orders, our clearing firm has selected the execution venue.

Reports are divided into three sections:

  • Securities listed on the New York Stock Exchange
  • Securities listed on the NASDAQ Stock Market
  • Exchange-traded options

Each section identifies the venues most often selected by the clearing firm, describes the percentage of various types of orders routed to the venues, and discusses the material aspects of the respective clearing firm’s relationship with the venues. Benjamin F. Edwards & Co. directs its equity order flow to its clearing broker, Pershing, for routing and execution. Benjamin F. Edwards & Co. does not receive compensation for directing order flow to Pershing.

To view the most recent quarterly report, please click here. Please enter “Benjamin F Edwards & Company” in the text box.

Further information regarding Pershing LLC’s Quality of Execution may be obtained from Thomson Reuters by clicking on this link. Please select “BKMM–BNY Capital Markets” from the site’s drop-down menu. Please ensure the name is input exactly as shown. It is recommended also that you not cut and paste.

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The content contained in this website, and all links to external content, are for informational purposes only. No content of this website should be construed as a solicitation or recommendation to buy or sell securities, or to take any other action whatsoever.

Investing in securities and other investment products involves risks. Benjamin F. Edwards & Co. (“Edwards”) makes no representation regarding the suitability or risks arising from the products, services, or information discussed on this website, and not all risks are discussed on this website. For specific information regarding suitability and risk, please contact one of our registered financial advisors.

Information on this website is believed to be accurate and current. However, Edwards makes no representation as to its accuracy or timeliness. While Edwards attempts to keep all information timely and accurate, Edwards shall not be liable for any outdated or potentially inaccurate content. Edwards does not represent that the information available on this website is complete and shall not bear any liability regarding the completeness of any content.

Edwards shall not be liable for temporary inaccessibility or degraded performance of this website, any of its functions or content, or any other electronic communications, whether due to the fault of Edwards or of any third parties. No electronic mail communications, whether available through this website or otherwise, can be accepted as instructions regarding your account(s), assets held at Edwards or elsewhere, or as a request to establish an account at Edwards. Please contact a registered financial advisor for these purposes.

All content hosted at this domain is the copyrighted property of Edwards or the respective copyright holder. Any copying or redistribution of this site’s content is prohibited without the authorization of Edwards.

This website may contain links to external sites and it is possible that external sites may link to Edwards. However, Edwards makes no endorsement or representation whatsoever regarding any institutions, organizations, products, services, or content available at or through these external links. Any content accessed through these links remains the copyrighted property of the respective copyright holder.

The information available on this website is intended only for the use of those residents of the United States of America who may establish and maintain an account with Edwards.

Edwards reserves the right to change or remove the content and functions of this website at any time, at its sole discretion.

Benjamin F. Edwards & Co. is a member of the Securities Investor Protection Corporation (SIPC), which protects client securities held by its members up to $500,000 (including $250,000 for claims for cash). An explanatory brochure is available on request or at www.sipc.org. Pershing LLC, our clearing firm, also provides additional coverage in excess of SIPC limits for eligible securities of up to $1 billion aggregate over all client accounts at Pershing LLC and its UK-based affiliate, Pershing Securities Limited, including up to $1.9 million cash (per client).

Uniform Application for Investment Advisor Registration (Form ADV) Forms/Brochures:

Form ADV, Part 1

Form ADV, Part 2A Firm Brochure

Form ADV Part 2A Appendix 1 – Wrap Fee Program Brochure

A copy of your financial advisor’s ADV 2B may be obtained from your financial advisor.

Other Important Disclosures

Pdf documents require Adobe Acrobat® Reader, which can be downloaded free of charge from Adobe’s site.