When Truth Matters | Unpublished

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Unpublished Opinions

elford's picture
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


Facebook group for Fraud victims 


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


Video site for victims of investment malpractice    


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...


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When Truth Matters

September 5, 2019

What if the true practices which care for your life savings and investments are not as promised by your financial firm?  What if...?


A secure retirement may depend upon investors knowing which type of investment agent must work FOR the investor, and which is allowed to work COUNTER-TO the interests of investors. (fiduciary standard vs suitability standard)

What if investments in some of the most trusted financial institutions were in a "confidence game", and you were the only person who was NOT aware of the game? This is about 21st Century financial literacy.


Like a shell game on the the streets of New York, where the locals had a team of con- artists, working in a team to “work” the tourists...


1. What if a sophisticated confidence game could be played upon small investors by banks, investment dealers, life insurance and mutual fund sellers?


2. What if people who said they were licensed professional advisors where nothing more than salespeople, paid to "gather assets” and/or "sell products" on commission?


3. What if the real duty of care to the investor, were carefully hidden from each investor, in the manner similar to how the license and registration of the financial expert is often hidden? What if that allowed them to pretend to sell you the best investments in the world, while actually selling you "investment products” in their better interests?


4. What if a person can be licensed to sell investment products offered by a dealer in 90 days, and claiming to be a financial professional?


5. What if the difference between a high quality investment, and a packaged and puffed investment “product” was large enough to cut your future retirement savings capital by more than half?


6. Now imagine that those who “police" or “regulate" the financial services industry were hand-picked and paid only by the financial services industry? What if one could earn $700,000 or more by pretending to be one of those government regulators? Top jobs in this area typically go to the most proven “team players”.


7. What if there are thousands of regulatory employees, cloaked as policing agencies claiming to protect the public from the financial industry, while behind the curtains they were funded by the industry that they were pretending to police?


8. What if they routinely ignore public protective laws of the Securities Act in your jurisdiction, and regularly go as far as to sell “exemptions” to our laws, to financial firms, without even giving a warning to the investors in these offerings.


9. Now imagine that this industry had thousands of corporate lawyers at hand, and another league or two of politicians and/or political influencers at their disposal.


What an amazing thing to discover that kind of game. A highly sophisticated network of “confidence work” beyond the public eye. It is a truly amazing show to watch, or as my father used to say, that would be "a fine how do you do”. Let me share it with you!