Unpublished Opinions

Larry Elford

Lethbridge, Alberta

About the author

His 2018 Book "About Your Financial Murder..." is found on Lulu.com http://www.lulu.com/shop/http://www.lulu.com/shop/larry-elford/about-you...

Investment Misconduct and Malpractice Analyst

Larry Elford is acclaimed as a qualified expert on the subject of White Collar Crime as it relates to the investment selling industry. He is a retired CFP, (Chartered Financial Planner), a CIM, (Certified Investment Manager) by the Canadian Securities Institute, a FCSI, (Fellow of the Canadian Securities Institute), the highest designation awarded by the Canadian Securities Institute to those for top achievements in educational and industry accomplishments. He is also an Associate Portfolio Manager and Director of the Canadian Justice Review Board of Canada.

Larry worked inside the largest financial institutions in Canada for twenty years until his retirement in 2004. He works today writing, speaking and coaching Canadians on how to create safe and honest treatment for investors.

Larry Elford is also an author. He was included in John Lawrence Reynolds’ second edition bestselling book, The Naked Investor, Why Almost Everybody But You Gets Rich On Your RRSP and Bruce Livesey's 2012 book, Thieves of Bay Street, How Banks, Brokerages and the Wealthy Steal Billions from Canadians. He self-produced a documentary film, Breach of Trust, The Unique Violence of White Collar Crime, to benefit investors, legislators and those who investigate financial crime. It can be viewed on Youtube. https://youtu.be/k2K6pzFtyTU

Twitter: @RecoveredBroker

lelford@shaw.ca

Facebook group for Fraud victims

https://www.facebook.com/groups/albertafraud/

Facebook group for Fraud victims across Canada (Small Investors Protection Association of Canada, 1998)

https://www.facebook.com/groups/240100382792373/

Video site for victims of investment malpractice

http://www.youtube.com/user/investoradvocate?feature=mhe

www.investoradvocates.ca research site

His first book is Titled "ABOUT YOUR FINANCIAL MURDER..." detailing the extent of financial abuse of the public attributable to a "self" regulated investment industry.

His second book, published in April of 2020, is "Farming Humans" and is about "How to quietly strip America bare of the truth "all men are created equal”, found in the U.S. Declaration of Independence, in less than 250 years….http://www.lulu.com/shop/larry-elford/farming-humans/paperback/product-2...

Have your say!

Bank and Investment Ombudsman Quid Pro Quo's

January 25, 2020

OBSI job applicants submit resumes to the CANADIAN BANKERS ASSOCAITION? It is no longer a stretch for now say that OBSI is yet another Canadian financial fraud perpetrated upon Canadians. I was sent this information from someone who has dealt unsuccessfully with OBSI, Canada's official Ombudsman for Banking Services and Investments.

They claim a manadate to protect consumers and to inspire confidence in Canada's Financial Services Sector.

They fail to point out that their one of their inner secrets is that OBSI selects its workers from a process of vetting them through the Canadian Bankers Association. Now it all makes more sense why the results of OBSI appear to be the exact opposite of the stated intent of OBSI.

They are yet another industry "insulator", a tainted regulator dressed in the disguise of public protection. The list is now too long to include here. Investors Beware!

Email sent to me today from someone who has received no help from OBSI for years and years of trying:

Can you believe this OBSI directive ?

Please see the bottom of the linked OBSI announcement of how to apply for an Investigator position with the OBSI.

You might want to make some enquiries of the OBSI Chairman for clarification as to why the Canadian Bankers Association (CBA) were used as the recruiting agent for the "independent" and "impartial" OBSI !

This could explain why, in the past, there have been so many financial services (née banking) ex-employees who have chartered their career paths through the "Revolving Door Syndrome" to and from the OBSI.

This is not idle speculation. The indisputable facts that questions the OBSI past attraction for the said employees and those employees using their past-employment leverage for their own self-enrichment is clearly spelled out in the attached "The Revolving Door Syndrome" presentation.

How are the Regulators going to neutralize this situation that improves the basic principles of balance to be more in favour of Complainants ?

Your comments would be welcomed.

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Here is the compiled OBSI linked announcement -

https://www.obsi.ca/en/about-us/resources/Documents/Senior-Investigator2_2018.pdf

https://www.unpublishedottawa.com/33af6e21-9ae5-4e19-b1f0-2f3e212e3ebb">