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El Camino Real Financial Advisors

Helping Investors find their way
Legal Disclosures
Last Revised January 1, 2024

Private Information
El Camino Real Financial Advisors, or ECRFA, is a Registered Investment Advisor based in Santa Teresa, NM providing investment advisory services and account management. It is affiliated with several insurance carriers and provides both life and annuity insurance products.
The formation (whether derived on-line, or by, phone, email, fax, or mail) on this website located at:,,,, or
(collectively known as the website) is provided for informational purposes only and is intended for some, but not all, U.S. residents. Not all products and services are available in every state. All transactions are voidable where prohibited by law.
We provide information on rates, policy features, company information and financial strength which we may not be appointed to sell. The information provided does not constitute a solicitation of an offer to buy, or an offer to sell securities or insurance, in any jurisdiction to any person to whom it is not lawful to make such an offer. If any information is given, inadvertently or by clerical error, to any person or company in a jurisdiction ECRFA is either not licensed or appointed to transacted business, such information should be considered a courtesy and/or discarded.
We believe the information on the website to be accurate, but we don not guarantee the accuracy of information provided. The information may contain inaccuracies, errors, typos and may be changed or updated without notice. The information provided on this website is "AS IS" without any warranty, expressed or implied. It is your responsibility to evaluate the accuracy, competitiveness, completeness, availability and usefulness of any opinions, advice, services, and the fitness for a particular purpose; or seek help form a qualified, licensed, and appointed insurance representative, legal tax, financial planning, or other professional.
Under no circumstance, shall ECRFA, or any of its owners, directors, officers, or employees, be directly, indirectly, or incidentally liable for any damages arising out of the use of the website or information contained herein. In jurisdictions where solicitation is lawful, the final and actual rate-of-return and contractual provisions are specified in the issued policy or contract. Annuities have features and benefits specific to each policy/contract please read the policy/contract carefully. Annuity products are issued and backed by the full faith and credit of the issuing insurance company. Annuities are not issued by banks, and thus, are not FDIC insured.
In all states we operate as either El Camino Real Financial Advisors or as Kraig Carpenter an Insurance Producer. Our New Mexico Insurance License number is 2592181 we are also Insurance Licensed in the following states: CA 0B06637 and Texas 2945914.
Custody and Clearing are offered through Charles Schwab and Interactive Brokers members FINRA/SIPC. El Camino Real Financial Advisors are independent registered investment advisors and not owned or controlled by Charles Schwab, Interactive Brokers or any insurance carrier.
You may write us at:

El Camino Real Financial Advisors
133 Jeweled Mesa Drive, Santa Teresa, NM 88008
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