CUSTOMER RELATIONSHIP SUMMARY

 

 

This important information about Euro-American is provided to comply with federal securities laws.
Effective as of June 30, 2020, Euro-American Equities, Inc. is a registered broker-dealer with the U.S. Securities and Exchange Commission.
At Euro-American, there is no "one size fits all" approach to your investment journey. Brokerage (BD) and investment advisory (IA) services and fees differ, and it is important for you to understand the differences.
Free and simple tools are available to research firms and financial professionals on the SEC’s investment education website (https://www.investor.gov/crs), which provides educational materials about BD’s, IA’s and investing.

 

What investment services and advice can you provide me?
Euro-American offers for personal or workplace investing, including retail and retirement (including Individual Retirement Accounts (IRAs)). These accounts generally allow you to invest in mutual funds, college savings plans and insurance products, among others. We do not limit our offerings to the American Funds Group, but have found their offerings to suit most investors. The minimum investment to open an account is $250, as outlined in most mutual funds company prospecti.
With Euro-American, you are solely responsible for deciding how you want to invest, monitoring your account and determining the amounts you wish to invest per month and year. These are flexible, so you can start, stop and restart as life changes.
Our accounts are non-discretionary, i.e. we may offer education, advice and recommendations, and you make the yes/no decision on which investments to buy/sell.

 

What fees will I pay?
What you pay will vary depending on the services and investments you choose.
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. As we do not carry accounts, we do not charge you a brokerage account fee and all correspondence/statements come directly from the mutual fund or insurance company. For the purchase of investments such as mutual funds and variable insurance products, you will pay sales charges or commissions.

Ongoing fees and costs depending on the investments you own.
Mutual funds carry built-in operating expenses and ongoing fees, such as management fees, generally known as 12B-1 fees, and account maintenance fees (usually a basic amount for a tax account, e.g. IRA, that are in addition to any initial commissions or sales charges you pay). We can help you evaluate internal costs and fees and their impact on what you earn from your investments. You will typically pay more in upfront fees and commissions through brokerage services and more over time through investment advisory services.

 

How might your conflicts of interest affect me, and how will you address them?
Our representatives have an incentive to recommend that you select a program or product that pays them more compensation than those that pay less. However, at this stage in our business, we prefer to do what is best for you and generate more business through referrals from satisfied customers.


As a financial professional, do you have any disciplinary history? For what type of conduct?
None at time of publication. Additional Information: to obtain a copy of this Form CRS, go to https://brokercheck.finra.org/firm/summary/25936 under disclosures.

 

 

Euro-American Equities, Inc.Broker/DealerMember FINRA