Karine R. Beard
CLARUS WEALTH ADVISORS | Wealth Manager
Castle Rock, CO 80104
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CRD#: 1021375
Professional summary
Karine Renee Beard, CFP®, who also goes by Karine R Herbst, Karine Herbst, is a registered financial advisor currently at CLARUS WEALTH ADVISORS, LLC located in Castle Rock, Colorado and PRIVATE CLIENT SERVICES, LLC located in Castle Rock, Colorado.
Karine is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1981. Karine has worked at 11 firms and has passed the Series 63, SIE and Series 7 exams.
Biography
Karine was named a Five Star Wealth Manager** for the last six years and listed in the 2017 issues of Colorado's 5280 and Arizona's Phoenix Magazine She has over 30 years of experience in the largest financial institutions in the world. She is a CERTIFIED FINANCIAL PLANNER™ since 1994 and a Certified Estate Specialist ™ since 2011. Karine holds Series 7 and 63 securities registrations. She has practiced as an Independent Financial Planner since 2009 and has a sister practice in Peoria, Arizona. As a Colorado native (and Arapahoe High School graduate), Karine returned in 2012 to once again enjoy the beauty and character of Colorado and chose Castle Rock as her home. While Karine uses the tools of the science of financial planning, her strength is in the art of putting a plan together using a very diverse universe of investments and risk management to make sure your financial plan and your estate plan work together.
Karine has 3 children and 5 grandchildren. She holds a B.S. in music, has played the piano since the age of 5, enjoys helping out in her church and community and spending time re-discovering her beloved state of Colorado.
Question & Answer
What are your service offerings?
Comprehensive Financial Planni...
Education Planning
Investment Planning
Retirement Income Management
Estate Planning
Retirement Planning
Small Business Planning
Social Security Planning
Business Succession Planning
Elder Care
Insurance Planning
Employee and Employer Plan Ben...
Are you a "fiduciary"?
Yes
Aliases
Karine R Herbst | Karine Herbst
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
1) ASH - Bell & Associates. 14425 N 7th St, Suite 101, Phoenix, AZ 85022. Agent of Insurance. Agent. 2) Clarus Wealth at Plum Creek. 419 Jerry St, Castle Rock, CO 80104. DBA. 3) Plum Creek Planning. 419 Jerry St, Castle Rock, CO 80104. DBA. 4) Clarus Wealth Advisors LLC. 9125 W Thunderbird Rd, Suite 100, Peoria, AZ 85381. RIA. 160 hrs/mo; 160 during trading hrs. 5) Nationwide Life and Annuity Insurance Company. One Nationwide Plaza, Columbus, OH 43215. Life and Annuity Insurance Company. Independent Agent. 1 hr/mo; 1 during trading hrs. Not investment related.
CRS (Client Relationship Summary) - RIA
Click below to view Karine Renee Beard's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
CFP®
Start date: 1994
Experience
Current
August 15, 2017 - Present
CLARUS WEALTH ADVISORS, LLC
Office #1: 333 Perry Street Suite 204, Castle Rock, CO 80104RIA
CRD#: 281160
Castle Rock, CO
Current
October 31, 2023 - Present
PRIVATE CLIENT SERVICES, LLC
Office #1: 419 Jerry St, Castle Rock, CO 80104RIA
BD
CRD#: 120222
Castle Rock, CO
Past
August 29, 2017 - November 7, 2023
CROWN CAPITAL SECURITIES, L.P.
BD
CRD#: 6312
CASTLE ROCK, CO
Past
August 21, 2009 - August 31, 2017
WFG ADVISORS, LP
RIA
CRD#: 125073
CASTLE ROCK, CO
Past
August 21, 2009 - August 31, 2017
WFG INVESTMENTS, INC.
BD
CRD#: 22704
CASTLE ROCK, CO
Past
February 13, 2009 - August 24, 2009
ASSOCIATED SECURITIES CORP.
RIA
CRD#: 12969
PEORIA, AZ
Past
January 29, 2009 - August 24, 2009
ASSOCIATED SECURITIES CORP.
BD
CRD#: 12969
PEORIA, AZ
Past
December 28, 2001 - February 4, 2009
VALIC FINANCIAL ADVISORS, INC.
RIA
CRD#: 42803
PHOENIX, AZ
Past
December 17, 2001 - December 31, 2001
THE VARIABLE ANNUITY MARKETING COMPANY
BD
CRD#: 5081
HOUSTON, TX
Past
December 17, 2001 - February 4, 2009
VALIC FINANCIAL ADVISORS, INC.
BD
CRD#: 42803
PHOENIX, AZ
Past
August 4, 2000 - December 14, 2001
LPL FINANCIAL LLC
BD
CRD#: 6413
FORT MILL, SC
Past
March 17, 1999 - August 7, 2000
VALIC FINANCIAL ADVISORS, INC.
BD
CRD#: 42803
HOUSTON, TX
Past
April 21, 1986 - August 7, 2000
THE VARIABLE ANNUITY MARKETING COMPANY
BD
CRD#: 5081
HOUSTON, TX
Past
January 18, 1985 - April 17, 1986
LEHMAN BROTHERS INC.
BD
CRD#: 7506
Past
December 23, 1981 - January 11, 1985
MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED
BD
CRD#: 7691
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
CW
CLARUS WEALTH ADVISORS, LLC
CLARUS WEALTH ADVISORS, LLC | SUMMIT WEALTH ADVISORS, LLC | PLUM CREEK PLANNING | ORANGE ROCK WEALTH MANAGEMENT | HERITAGE RETIREMENT SOLUTIONS | HERITAGE CAPITAL | FORM PROSPERITY | CLARUS WEALTH AT PLUM CREEK
CRD#: 281160 / SEC#: 801-110156
RIA
Registered Investment Advisory firm - (3/20/2017 Approved)Arizona
Registered Investment Advisory firm - (3/23/2017 Terminated)State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.RR
indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.Visual representation of state registrations
RR
Arizona(10/31/2023)
IAR
Colorado(8/15/2017)
RR
Colorado(10/31/2023)
RR
Texas(10/31/2023)
RR
Virginia(10/31/2023)
Exams
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
SRO Registrations
RR
FINRA
Current Firm
CW
CLARUS WEALTH ADVISORS, LLC
CLARUS WEALTH ADVISORS, LLC | SUMMIT WEALTH ADVISORS, LLC | PLUM CREEK PLANNING | ORANGE ROCK WEALTH MANAGEMENT | HERITAGE RETIREMENT SOLUTIONS | HERITAGE CAPITAL | FORM PROSPERITY | CLARUS WEALTH AT PLUM CREEK
CRD#: 281160 / SEC#: 801-110156
RIA
Registered Investment Advisory firm - (3/20/2017 Approved)Arizona
Registered Investment Advisory firm - (3/23/2017 Terminated)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
9125 W. Thunderbird Road, Suite 100, Peoria, AZ 85381
Mailing Address
Phone number
(623) 583-6840
Established
Firm type
Fiscal year end
# of Employees
16
SEC notice filing (15 States and Territories)
Documents
Regulatory assets under management
| Total Number of Accounts | 918 |
| AUM (Assets Under Management) | $ 256,942,795 |
Red Flags
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Company Information
CLARUS WEALTH ADVISORS, LLC
Wealth ManagerCRD#: 281160Castle Rock, CO 80104TRUST BUT VERIFY
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Contact information
(xxx) xxx-xxxx
xxxxx@xxxx.xxx
