About
Our Story
Guiding Families Toward Financial Freedom
Efficient Frontier Group was founded in 1994 with a simple conviction: families deserve financial guidance rooted in wisdom, stewardship, and trust.
For more than three decades, we have helped individuals, families, and business owners make informed financial decisions, manage risk, prepare for retirement, and build lasting legacies.
Our work is shaped by a faith-informed belief that wealth is not only something to accumulate, but something to steward, protect, and use with purpose.
Our Mission
educate, encourage and empower.
We get to know our clients by completing a comprehensive financial plan. During this process, we seek to understand and document your needs, desires, and long-term goals. Our aim is to help you develop, implement, and monitor a strategy specifically designed to address your individual situation.
We are committed to utilizing all our resources to assist you with pursuing your objectives, independence, and purpose.
Educate
We educate you so that you have the knowledge and information you need to help you make wise decisions regarding your financial objectives.
Encourage
Sometimes it is hard to be encouraged when you can’t see the forest for the trees. We help you take a strategic view of your overall profile and help map a path that will assist you in getting from where you are to where you desire to be. Being able to clearly see a destination fosters true encouragement.
Empower
With this foundation, our clients are empowered with the tools necessary to apply information and implement strategies that will help produce their desired outcome.
Meet The Founder
Carlos E. Ward Jr.
CEO and founder of Efficient Frontier Group, LLC.
Born in Colon, Panama, Carlos is a first-generation college graduate with a BBA in Finance from Howard University. His modest upbringing inspired his passion to assist his community with meeting their financial objectives, mitigating risk, and managing their resources to align with their purpose. Helping his clients discover their purpose and realize their desired end is the cornerstone of his practice.
Carlos is an Investment Principle and a Certified Financial Planner ® with more than 25 years of Investment and Retirement Planning Experience. He is an active member of his community and resides in Middletown, Delaware with his wife, Lucinda. In his free time, he can be found playing racquetball, pickleball, cycling and spending time with his children and grandchildren. Carlos is also passionate about exposing young minds to the importance of technology and finance and enjoys sharing career and educational resources with them through his non-profit organization, KBTI (Kingdom Business & Technology Institute).
Efficient Frontier Group
Family-led, faith-informed investment management and retirement planning firm helping individuals, families, and business owners build financial freedom that lasts for generations through education, encouragement, and empowerment.
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Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.
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