Frequently Asked Questions

Accounts are carried by National Financial Services, LLC Member NYSE/SIPC.

Securities in accounts carried by National Financial Services, LLC (NFS) are protected in accordance with the Securities Investor Protection Corporation (SIPC) up to $500,000. The $500,000 total amount of SIPC protection is inclusive of up to $250,000 protection for claims for cash, subject to periodic adjustments for inflation in accordance with terms of the SIPC statute and approval by SIPC’s Board of Directors.

NFS also has arranged for additional protection for cash and covered securities called “excess of SIPC” coverage, from Lloyd’s of London together with other insurers. This additional protection would only be used when SIPC coverage is exhausted. Total aggregate excess of SIPC coverage available through NFS’s excess of SIPC policy is $1 billion. Within NFS’s excess of SIPC coverage, there is no per account limit on coverage of securities, but there is a per account limit of $1.9 million on coverage of cash awaiting investment. This is the maximum excess of SIPC protection currently available in the brokerage industry. Neither coverage protects against a decline in the market value of securities, nor do they cover other claims for losses incurred while broker-dealers remain in business. Certain securities are not eligible for SIPC or excess of SIPC coverage. For more details on SIPC, or to request a SIPC brochure, visit www.sipc.org or call 1-202-371-8300. For ratings and more information about Lloyd’s please go to https://www.lloyds.com/investor-relations/ratings. Among the assets typically not eligible for SIPC or excess of SIPC protection are commodity futures contracts, currency, and precious metals, as well as investment contracts (such as limited partnerships) and fixed annuity contracts that are not registered with the U.S. Securities and Exchange Commission under the Securities Act of 1933.

Note: This does not protect your account from market loss.

Osaic Wealth, Inc. is an independent broker-dealer. While giving us access to the securities markets, Osaic provides compliance and supervisory oversight of Campos Financial Group for our clients. www.osaic.com

No, Campos Financial Group and Osaic are separate entities. Osaic Wealth provides services to us.

Osaic Wealth, Inc. provides Campos Financial Group with legal, compliance, and supervisory oversight. Campos Financial Group must demonstrate that it follows industry standards in terms of investment recommendations and their suitability for clients. Osaic conducts audits of our books and records to ensure that we are complying with all industry rules and regulations as well as adhering to their strict procedural requirements.

Osaic Wealth, Inc. also surveils our email traffic to make sure there are no misrepresentations or violations of regulations surrounding email communications with clients.

Clients’ assets are held by a third party public custodian. All checks from clients must be made payable directly to the custodian for the benefit of your account (e.g, National Financial Services, SEI, or the direct sponsor mutual fund or annuity company).  Campos Financial Group does not have access to client assets. We can generally only move money from your account in the following fashion:

• A wire transfer to another account at another institution with your written and verbal authorization.
• A check payable to the parties listed on your account registration (e.g. Mr. & Mrs. Smith) and mailed to your address of record.
• Other transfers are possible but only with the client’s express written permission and back-up verification.