DESCRIPTION OF FIRM & SERVICES
Safeguard Investment Advisory Group, LLC, is a registered investment adviser headquartered
in Corona, California. We are organized as a limited liability company in California. In this Brochure, we
refer to our firm as "SIAG," "we," "our," and "us." We refer to our clients and prospective clients as
"you," "your," and "Client."
We have been providing investment advisory services since February 20, 2008. We are owned equally
by Reid Abedeen, Edward A. Sota, and Ricky Rivera.
OVERVIEW OF SERVICES
We offer a wide range of investment advisory services to meet the needs of our Clients, including
investment management services on a discretionary basis and non-discretionary basis, access to third-
party investment management services, and fee-based financial planning services and consulting
services.
Portfolio Management Services
We typically manage client accounts on a discretionary basis. We offer non-discretionary portfolio
management services on a limited basis. Our investment advice is tailored to meet our clients' needs
and investment objectives.
If you participate in our discretionary portfolio management services, we require you to grant our firm
discretionary authority to manage your account. Discretionary authorization will allow us to determine
the specific securities, and the amount of securities, to be purchased or sold for your account without
your approval prior to each transaction. Discretionary authority is granted by the investment advisory
agreement you sign with our firm as well as the appropriate trading authorization forms required of the
custodian.
You may limit our discretionary authority (for example, limiting the types of securities that can be
purchased or sold for your account) by providing our firm with your restrictions and guidelines in
writing.
We may also offer non-discretionary portfolio management services. If you enter into non-discretionary
arrangements with our firm, we must obtain your approval prior to executing any transactions on behalf
of your account. You have an unrestricted right to decline to implement any advice provided by our firm
on a non-discretionary basis.
Sub Advisers
As part of our portfolio management services, we may use one or more sub-advisers to manage a
portion of your account on a discretionary basis. The sub-adviser(s) may use one or more of their
model portfolios to manage your account. We will regularly monitor the performance of your accounts
managed by sub-adviser(s), and may hire and fire any sub-adviser without your prior approval. You or
SIAG will pay the advisory fee to the sub-adviser(s) we use; however, you will not pay our firm a higher
advisory fee as a result of any sub-advisory relationships. Any additional fees that are paid by you to a
sub-adviser(s) will be disclosed and consented to by you in a separate agreement with our firm and/or
the sub-adviser(s). Clients will not have any direct agreement with any sub adviser. The Advisory Fees
charged by each sub-adviser are included in the Advisory Fees shown on the Fee Disclosure Form, or
will be shown in a subsequent written notice we provide you at least 30 days' in advance of assessing
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any additional Advisory Fees for the cost of fees for sub- advisers that are not reflected in the amount
of Advisory Fees shown on the Fee Disclosure Form.
Account Profile
Client shall provide SIAG information necessary to complete SIAG's account profile, including without
limitation, Client's personal and financial situation, investment objectives, and risk tolerance (all the
"Suitability Information"), and any reasonable investment restrictions Client wishes to impose with
respect to each Managed Account.
Financial Planning Services & Consulting Services
All Clients may request, for a separate fee, financial planning services or limited scope consulting
services (the "Financial Planning Services" and "Consulting Services"), a general description of which
is provided in the Advisory Agreement, or as SIAG and the Client may otherwise mutually agree in
writing. Portfolio management services are separate and not required to receive Financial Planning
Services or Consulting Services.
Financial Planning Services typically involve advising Clients regarding the management of their
financial resources based upon an analysis of their individual needs. These services can range from
broad-based Financial Planning Services to consultative or single subject planning.
When the Client engages us for a written financial plan, we will meet with Client to gather information
about Client's financial circumstances and objectives. We may also use financial planning software to
determine Client's current financial position and to define and quantify Client's long-term goals and
objectives, and to develop shorter-term, targeted objectives. After reviewing and analyzing the
information Client provides and the data derived from our financial planning software, we will typically
prepare and deliver the written plan to Client, designed to help Client in tracking progress towards
achieving Client's stated financial goals and objectives.
Financial plans are based on Client's financial situation at
the time we present the plan to Client, and
on the personal, financial, and other information Client provides to us. If prior to our delivery of the
completed plan, any of the information Client provided changes, Client must notify us promptly, so that
we can discuss the impact of such changes on the plan and recommendations. After delivery of the
completed plan, we will not make further changes, except with a new engagement.
We offer Consulting Services that involve advising Clients on specific limited-scope financial topics.
The topics we address may include, but are not limited to, risk management, investment planning,
financial organization, or financial decision-making and negotiation, as well as budgeting, debt
management, and financial goal setting. Prior to beginning any engagement, the Client and
Representative will agree on the specific scope of the services to be provided, the nature of the
deliverable Representative will be expected to deliver at the conclusion of the engagement, the fees
(or estimate of the fees), and time frame for completion of part or all of the services and delivery of the
final results requested by Client. A written report will not be provided unless specifically agreed in the
written description of Consulting Services that is part of the Advisory Agreement (or as otherwise
agreed by SIAG (or Representative, on its behalf) and Client in writing.
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Disclosure of Conflicts of Interest
Clients should be aware that a conflict exists as a result of the compensation SIAG advisors may earn
from recommendations of insurance products to Clients. The recommendations for the sale of such
products and services that, if accepted by the Client, will create additional compensation that is
separate and apart from the advisory fees that Safeguard Advisors earns from the advisory services
provided to its Clients. Advisory fees are not reduced or offset by any additional compensation earned
from the sale of any insurance products to Client.
Client is under no obligation to act upon any recommendations with respect to the purchase of
any insurance products, and if the Client elects to act on any of the recommendations, such
recommendations may be implemented through an insurance agent or other financial intermediary of
the Client's own choosing who may provide products or services at lower cost.
TYPES OF INVESTMENTS
We offer Clients advice on a wide range of securities, including equity securities, fixed income
securities, mutual fund shares and other investment company securities, United States government
securities, options contracts on securities, money market funds, REITs and ETFs, variable annuities
and other securities. However, in many instances our advice is directed to Clients who seek
information about positions they acquired before they became a Client of SIAG. The types of securities
about which we provide advice is much broader than the types of securities we typically recommend
for our Client portfolios. In general, we recommend portfolios that emphasize, but are not limited to,
mutual funds and ETFs, as well as individual securities, particularly listed equity securities.
IRA ROLLOVER RECOMMENDATIONS
Effective December 20, 2021 (or such later date as the US Department of Labor ("DOL") Field
Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL's
Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") where applicable, we are providing the
following acknowledgment to you.
When we provide investment advice to you regarding your retirement plan account or individual
retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income
Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement
accounts. The way we make money creates some conflicts with your interests, so we operate under a
special rule that requires us to act in your best interest and not put our interest ahead of yours. Under
this special rule's provisions, we must:
•Meet a professional standard of care when making investment recommendations (give prudent
advice);
•Never put our financial interests ahead of yours when making recommendations (give loyal
advice);
•Avoid misleading statements about conflicts of interest, fees, and investments;
•Follow policies and procedures designed to ensure that we give advice that is in your best
interest;
•Charge no more than is reasonable for our services; and
•Give you basic information about conflicts of interest.
We benefit financially from the rollover of your assets from a retirement account to an account that we
manage or provide investment advice, because the assets increase our assets under management
and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in
your best interest.
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ASSETS UNDER MANAGEMENT
As of January 31, 2024, we provide continuous management services for $386,134,121 in client assets
on a discretionary basis, and $68,423,291 in client assets on a non-discretionary basis, for a total of
$454,557,412.