Lawrence J. Raff
CETERA INVESTMENT ADVISERS LLC
CEDAR KNOLLS, NJ 07927
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CRD#: 1061315
Professional summary
Lawrence John Raff is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Cedar Knolls, New Jersey and CETERA WEALTH SERVICES, LLC located in Cedar Knolls, New Jersey.
Lawrence is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1983. Lawrence has worked at 3 firms and has passed the Series 63, SIE, Series 7, Series 6, Series 24, Series 51 and Series 26 exams.
Question & Answer
Are you a "fiduciary"?
Yes
Aliases
None
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. NAME OF OTHER BUSINESS: FIXED INSURANCE WITH VARIOUS COMPANIES INVESTMENT RELATED: YES ADDRESS: SAME AS REGISTERED LOCATION NATURE OF BUSINESS: FIXED INSURANCE START DATE: NOVEMBER 8, 2012 APX NUMBER OF HOURS PER WEEK: 40 HOURS APX NUMBER OF HOURS DURING TRADING HOURS: 40 HOURS POSITION/TITLE/RELATIONSHIP: INSURANCE AGENT BRIEF DESCRIPTION OF DUTIES: SELLS LIFE, HEALTH, DISABILITY, ANNUITIES AND LONG TERM CARE; 2. NAME OF OTHER BUSINESS: FINANCIAL NETWORK INVESTMENT RELATED: YES ADDRESS: SAME AS REGISTERED LOCATION NATURE OF BUSINESS: FINANCIAL SERVICES POSITION/TITLE/RELATIONSHIP: AFFILIATED PERSON START DATE: 01/02/2013 APX NUMBER OF HOURS PER WEEK: 40 APX NUMBER OF HOURS DURING TRADING HOURS: 32.5 BRIEF DESCRIPTION OF DUTIES: DBA FOR FINANCIAL SERVICES 3. NAME OF OTHER BUSINESS: NOTARY PUBLIC; INVESTMENT RELATED: NO; ADDRESS: 1 APPLEWOOD LN, RANDOLPH, NJ 07869; NATURE OF BUSINESS: NOTARY PUBLIC; START DATE: 07/2018; POSITION/TITLE/RELATIONSHIP: NOTARY PUBLIC; APX NUMBER OF HOURS PER WEEK: LESS THAN 1; APX NUMBER OF HOURS DURING TRADING HOURS: LESS THAN 1; BRIEF DESCRIPTION OF DUTIES: NOTARY PUBLIC ACTIVITIES; 4. NAME OF OTHER BUSINESS: RAFF INVESTMENT ADVISORS, LLC; INVESTMENT RELATED: NO; ADDRESS: 2 RIDGEDALE AVE, CEDAR KNOLLS, NJ; NATURE OF BUSINESS: HOLDING COMPANY FOR BILLS AND LEASES; START DATE: 03/2018; POSITION/TITLE/RELATIONSHIP: OWNER; APX NUMBER OF HOURS PER WEEK: NONE; APX NUMBER OF HOURS DURING TRADING HOURS: NONE; BRIEF DESCRIPTION OF DUTIES: PAY RENT ON OFFICE AS WELL AS OTHER EXPENSES; 5. NAME OF OTHER BUSINESS: N/A; INVESTMENT RELATED: NO; ADDRESS: SAME AS RESIDENTIAL LOCATION; NATURE OF BUSINESS: LAND RENTAL; START DATE: 3/2024; POSITION/TITLE/RELATIONSHIP: LANDLORD; APX NUMBER OF HOURS PER WEEK: 0; APX NUMBER OF HOURS DURING TRADING HOURS: 0; BRIEF DESCRIPTION OF DUTIES: LEASE LAND TO CELL PHONE TOWER COMPANY;
CRS (Client Relationship Summary) - RIA
Click below to view Lawrence John Raff'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®
NoneExperience
Current
June 29, 2023 - Present
CETERA INVESTMENT ADVISERS LLC
Office #1: 2 Ridgedale Ave Ste 243, Cedar Knolls, NJ 07927RIA
CRD#: 105644
CEDAR KNOLLS, NJ
Current
May 23, 1989 - Present
CETERA WEALTH SERVICES, LLC
Office #1: 2 Ridgedale Ave Ste 243, Cedar Knolls, NJ 07927BD
CRD#: 13572
Cedar Knolls, NJ
Past
July 31, 2002 - June 29, 2023
CETERA WEALTH SERVICES, LLC
RIA
CRD#: 13572
FLORHAM PARK, NJ
Past
September 1, 1983 - May 23, 1989
PENNSYLVANIA SECURITIES COMPANY
BD
CRD#: 7667
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".
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
CRD#: 105644 / SEC#: 801-20406
RIA
Registered Investment Advisory firm - (1/13/1984 Approved)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
Alabama(8/14/1995)
RR
Arizona(6/23/1998)
RR
Arkansas(10/2/2006)
RR
California(3/18/1992)
RR
Colorado(1/6/1997)
RR
Connecticut(7/29/1993)
RR
Delaware(1/4/2010)
RR
Florida(3/10/1993)
RR
Georgia(1/2/2004)
RR
Idaho(1/2/2014)
RR
Illinois(7/10/2000)
RR
Indiana(3/9/1993)
RR
Iowa(1/4/2010)
RR
Kansas(1/3/2011)
RR
Kentucky(1/4/2010)
RR
Louisiana(1/4/2010)
RR
Maine(5/16/2006)
RR
Maryland(7/15/1997)
RR
Massachusetts(5/23/1989)
RR
Michigan(1/2/2004)
RR
Minnesota(1/4/2010)
RR
Mississippi(1/2/2008)
RR
Missouri(5/2/1997)
RR
Montana(11/18/1999)
RR
Nebraska(1/6/2005)
RR
Nevada(1/4/2010)
RR
New Hampshire(5/23/1989)
RR
New Jersey(5/23/1989)
IAR
New Jersey(6/29/2023)
RR
New York(5/23/1989)
RR
North Carolina(7/16/1997)
RR
Ohio(1/4/2010)
RR
Oklahoma(8/24/2004)
RR
Oregon(1/4/2010)
RR
Pennsylvania(9/8/1993)
RR
Rhode Island(6/23/2003)
RR
South Carolina(5/29/2003)
RR
Tennessee(5/27/2003)
RR
Texas(5/23/2003)
IAR
Texas(6/29/2023)
RR
Utah(11/30/2006)
RR
Vermont(5/23/1989)
IAR
Vermont(6/29/2023)
RR
Virginia(1/2/2004)
RR
Washington(5/16/2006)
RR
Wisconsin(5/23/2003)
Exams
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
Principal/Supervisory Exam
Principal/Supervisory Exam
Principal/Supervisory Exam
SRO Registrations
RR
FINRA
Current Firm
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
CRD#: 105644 / SEC#: 801-20406
RIA
Registered Investment Advisory firm - (1/13/1984 Approved)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
1450 American Lane 6th Floor, Suite 650, Schaumburg, IL 60173-2096
Mailing Address
Phone number
(310) 257-7880
Established
Firm type
Fiscal year end
# of Employees
7,705
SEC notice filing (53 States and Territories)
Regulatory assets under management
| Total Number of Accounts | 584,487 |
| AUM (Assets Under Management) | $ 163,792,814,520 |
Accountant surprise examination report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 10/27/2025 | ||
| 12/13/2024 | ||
| 09/26/2023 | ||
| 11/18/2022 |
Red Flags
Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.
Check for any disclosures as part of your thorough research when choosing an advisor.
