Lorraine F. Ell

BETTER MONEY DECISIONS

Glendale, AZ

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CRD#: 1128365

Professional summary

Lorraine Frassinell Ell, who also goes by Lorraine Frasinell Ell, Lorraine Frassinell, is a registered financial advisor currently at BETTER MONEY DECISIONS located in Glendale, Arizona.

Lorraine is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1983. Lorraine has worked at 8 firms and has passed the Series 65, Series 63 and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Lorraine Frasinell Ell | Lorraine Frassinell

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.

President, Excellat Consulting. Devote about 2 hours a month to the consulting business, during and after trading hours. Insurance agent with Better Insurance Decisions 4216 Bay Ct NE, Albuquerque, NM 87111 since 2015. This activity takes up less than 5% of my time.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Lorraine Frassinell Ell's CRS (Customer Relationship Summary).

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®

None

Experience

Current

November 2, 2015 - Present

BETTER MONEY DECISIONS

Office #2: 6207 Whiffletree Ln, Midland, MI 48642

RIA

CRD#: 172980

Glendale, AZ

Past

March 25, 2008 - October 13, 2015

PORTFOLIO WEALTH ADVISORS

RIA

CRD#: 145687

ALBUQUERQUE, NM

Past

March 22, 1990 - April 17, 1995

REALTY CAPITAL SECURITIES, INC.

CRD#: 14639

Past

November 20, 1989 - December 8, 1989

INTEGRATED RESOURCES EQUITY CORPORATION

CRD#: 6403

Past

November 19, 1989 - February 13, 1990

OSAIC WEALTH, INC.

CRD#: 23131

SCOTTSDALE, AZ

Past

March 25, 1987 - November 19, 1989

INTEGRATED RESOURCES EQUITY CORPORATION

CRD#: 6403

Past

February 15, 1984 - March 14, 1987

JW GENESIS CLEARING CORP.

CRD#: 6631

BOCA RATON, FL

Past

August 8, 1983 - January 16, 1984

DREXEL BURNHAM LAMBERT INCORPORATED

CRD#: 7323

Past

June 6, 1983 - July 25, 1983

BLINDER, ROBINSON & CO., INC.

CRD#: 5096

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".

BETTER MONEY DECISIONS

BETTER MONEY DECISIONS | BETTER MONEY DECISIONS, LLC

CRD#: 172980 / SEC#: 801-115227

RIA

Registered Investment Advisory firm - (5/6/2019 Approved)

Arizona

Registered Investment Advisory firm - (5/6/2019 Terminated)

California

Registered Investment Advisory firm - (6/5/2019 Terminated)

New Mexico

Registered Investment Advisory firm - (5/6/2019 Terminated)

Texas

Registered Investment Advisory firm - (5/6/2019 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

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.

Highlighted states indicate IAR registrations

IAR

Arizona
(9/27/2023)

IAR

Michigan
(5/8/2019)

IAR

New Mexico
(11/2/2015)

IAR

Texas
(10/24/2016)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 2/19/2008

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 1/13/1984

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 7

Date: 5/21/1983

General Securities Representative Examination

Current Firm

BETTER MONEY DECISIONS

BETTER MONEY DECISIONS | BETTER MONEY DECISIONS, LLC

CRD#: 172980 / SEC#: 801-115227

RIA

Registered Investment Advisory firm - (5/6/2019 Approved)

Arizona

Registered Investment Advisory firm - (5/6/2019 Terminated)

California

Registered Investment Advisory firm - (6/5/2019 Terminated)

New Mexico

Registered Investment Advisory firm - (5/6/2019 Terminated)

Texas

Registered Investment Advisory firm - (5/6/2019 Terminated)

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Contact information

Main Address

460 St. Michael's Drive Suite 902, Santa Fe, NM 87505

Mailing Address

Phone number

(844) 507-0961

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (9 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

BETTER MONEY DECISIONS ADV PART 2 (2/25/2025)

Regulatory assets under management

Total Number of Accounts	925
AUM (Assets Under Management)	$ 326,787,724

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.

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Advisor Monitoring

Firm Stability Insights

Lorraine F. Ell

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Lorraine Frassinell Ell's CRS (Customer Relationship Summary).

Certified licenses

Experience

PORTFOLIO WEALTH ADVISORS

REALTY CAPITAL SECURITIES, INC.

INTEGRATED RESOURCES EQUITY CORPORATION

OSAIC WEALTH, INC.

INTEGRATED RESOURCES EQUITY CORPORATION

JW GENESIS CLEARING CORP.

DREXEL BURNHAM LAMBERT INCORPORATED

BLINDER, ROBINSON & CO., INC.

Primary Firm SEC Registration

BETTER MONEY DECISIONS

State Registrations and Notice Filings

Exams

Series 65

Date: 2/19/2008

Series 63

Date: 1/13/1984

Series 7

Date: 5/21/1983

Current Firm

BETTER MONEY DECISIONS

Contact information

SEC notice filing (9 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

BETTER MONEY DECISIONS

TRUST BUT VERIFY

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