Item 1: Introduction
Equity Armor Investments, LLC (“our firm”; “we”; “us”), is registered with the Securities and Exchange Commission as an Investment Advisor.
Brokerage and investment advisory services and fees differ, and it is important for the retail investor to understand the differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.
Item 2: Relationships and Services
What investment services and advice can you provide me?
Our firm offers investment advisory services to retail investors. We offer our services on both a discretionary basis, meaning we can decide what to buy and sell for your account without your prior approval, and non-discretionary, where we will need your approval to buy or sell securities for your account. We offer advice on stocks, futures contracts, warrants, corporate debt, commercial paper, certificates of deposit, municipal securities, U.S. Government Securities, option contracts on equities and futures, and partnerships investing in real estate and oil and gas interests. You are permitted to impose restrictions on your account to us in writing. We require a minimum of $250,000 to open an account, but we may waive that at our discretion. We will review your account monthly.
For additional information regarding our services, please see items 4, 7, and 13 of our Form ADV Part 2A.
Ask us the following questions:
Given my financial situation, should I choose an investment advisory service? Why or why not?
How will you choose investments to recommend to me?
What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?
Item 3: Fees, Costs, Conflicts and Standard of Conduct
What fees will I pay?
You will pay an annual management fee based upon a percentage of the assets you have with us. If you invest in one of our futures programs, you will pay an incentive fee, which based upon the performance of your investments. The more assets you have with us, the higher fee you will pay, thus creating a conflict as we are incentivized to encourage you to increase the amount of assets you have with us. While we do not charge the following, you may also pay fees like custodial fees, commissions, transactions fees, mutual fund and ETF fees, and account maintenance fees.
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 regarding our fees, please see item 5 of our Form ADV Part 2A.
Ask us the following question:
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?
What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have?
WHEN WE ACT AS YOUR INVESTMENT ADVISER, 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 CAN AFFECT THE INVESTMENT ADVICE, WE PROVIDE YOU. HERE ARE SOME EXAMPLES TO HELP YOU UNDERSTAND WHAT THIS MEANS.
We may invest your assets in one or more pooled investment vehicles (including an affiliated mutual fund that we manage) if such investments are consistent with your investment objectives. Investors in the mutual fund are indirectly responsible for a portion of the operating expenses of the fund. Thus, if such investment in the affiliated mutual fund is made, you would in effect be paying multiple advisory fees that inure directly to our benefit. However, if we are advising your assets directly and a portion of your assets are invested in our mutual funds, we will not charge you for the portion managed in the mutual fund to avoid duplication of management fees.
For additional information regarding our conflicts, please see item 10 of our Form ADV Part 2A.
Ask us the following question:
How might your conflicts of interest affect me, and how will you address them?
How do your financial professionals make money?
All of our financial professionals are owners of the firm and receive either a guaranteed payment and/or profits of the firm. Like all businesses, we have an incentive to drive revenue and profits.
Item 4: Disciplinary History
Do you or your financial professionals have legal or disciplinary history?
No. Please visit Investor.gov/CRS, for a free and simple tool to research our firm and financial professionals.
Ask us the following question:
As a financial professional, do you have any disciplinary history? For what type of conduct?
Item 5: Additional Information
For additional information regarding our fees, services, and conflicts, please see our Form ADV Part 2A, or visit our websites at www.equityarmorinvestments.com. Please contact us at 312-253-0423 for more up-to-date information or request a copy of this client relationship summary.
Ask us the following questions: