Stuart R. Gardner

CHARLOTTE WEALTH MANAGEMENT

Charlotte, NC 28277

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CRD#: 1157748

Professional summary

Stuart Ray Gardner JR, CFP® is a registered financial advisor currently at CHARLOTTE WEALTH MANAGEMENT, LLC located in Charlotte, North Carolina and LPL FINANCIAL LLC located in Charlotte, North Carolina.

Stuart is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1983. Stuart has worked at 12 firms and has passed the Series 65, Series 63, SIE, Series 31, Series 7, Series 9 and Series 10 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. 4/30/2009 - Charlotte Wealth Management - Investment Related - At Reported Business Location(s) - DBA for LPL Business (entity for LPL business). 2. 2/13/2020 - 1st Atlantic Brokerage - Investment Related - P.O. Box 4548, Greensboro, NC 27404 - Non-Variable Insurance - Agent of Record - Started 02/24/2020 - 2 Hours Per Month During Securities Trading. 3. 1/28/2021 - Charlotte Wealth Management, LLC - Investment Related - At Reported Business Location(s) - Registered Investment Advisor Hybrid - IAR - Start Date: 01/28/2021 - 160 Hours Per Month/8 Hours During Securities Trading - I provide investment advisory services through Charlotte Wealth Management, LLC, an independent investment advisor firm. I started this business activity in 1/2021. I expect to spend approximately 160 hours per month on this activity. Please see the advisory firm's Form ADV for more information about its address, the nature of its business, its owners, and its services at http://www.adviserinfo.sec.gov/IAPD. The firm is separate from and independent of LPL Financial.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Stuart Ray Gardner JR'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^®

Certified Financial Planner

Start date: 2005

Experience

Current

January 28, 2021 - Present

CHARLOTTE WEALTH MANAGEMENT, LLC

Office #1: 3530 Toringdon Way Suite 108, Charlotte, NC 28277

RIA

CRD#: 311058

Charlotte, NC

Current

April 8, 2009 - Present

LPL FINANCIAL LLC

Office #1: 3530 Toringdon Way Ste 108, Charlotte, NC 28277

RIA

CRD#: 6413

Charlotte, NC

Past

April 8, 2009 - January 28, 2021

LPL FINANCIAL LLC

RIA

CRD#: 6413

MATTHEWS, NC

Past

March 31, 2009 - April 13, 2009

SECURITIES AMERICA ADVISORS, INC.

RIA

CRD#: 110518

CHARLOTTE, NC

Past

March 26, 2009 - April 13, 2009

SECURITIES AMERICA, INC.

CRD#: 10205

CHARLOTTE, NC

Past

January 12, 2004 - March 31, 2009

AMERIPRISE ADVISOR SERVICES, INC.

CRD#: 5979

CHARLOTTE, NC

Past

January 5, 2004 - March 31, 2009

AMERIPRISE ADVISOR SERVICES, INC.

RIA

CRD#: 5979

CHARLOTTE, NC

Past

December 31, 2001 - January 14, 2004

WELLS FARGO CLEARING SERVICES, LLC

RIA

CRD#: 19616

CHARLOTTE, NC

Past

August 28, 2001 - January 14, 2004

WELLS FARGO CLEARING SERVICES, LLC

CRD#: 19616

ST. LOUIS, MO

Past

May 5, 1999 - October 9, 2001

SCOTT & STRINGFELLOW, LLC

CRD#: 6255

RICHMOND, VA

Past

October 4, 1994 - May 5, 1999

SCOTT & STRINGFELLOW, INC.

CRD#: 3309

RICHMOND, VA

Past

June 6, 1989 - October 10, 1994

MORGAN STANLEY DW INC.

CRD#: 7556

Past

February 15, 1988 - June 19, 1989

LEHMAN BROTHERS INC.

CRD#: 7506

NEW YORK, NY

Past

July 13, 1987 - February 15, 1988

E. F. HUTTON & COMPANY INC

CRD#: 235

Past

March 12, 1985 - October 10, 1994

MORGAN STANLEY DW INC.

CRD#: 7556

PURCHASE, NY

Past

July 21, 1983 - January 25, 1985

PRUDENTIAL EQUITY GROUP, LLC

CRD#: 7471

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.

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

California
(4/8/2009)

Colorado
(10/28/2025)

District of Columbia
(10/30/2025)

IAR

Florida
(1/14/2022)

Florida
(1/5/2024)

Georgia
(4/8/2009)

Maine
(4/13/2009)

New Jersey
(4/8/2009)

New Mexico
(1/26/2024)

North Carolina
(4/8/2009)

IAR

North Carolina
(1/28/2021)

South Carolina
(4/9/2009)

IAR

South Carolina
(8/27/2021)

Tennessee
(8/16/2016)

Texas
(5/4/2009)

IAR

Texas
(2/9/2021)

Virginia
(4/8/2009)

IAR

Virginia
(9/3/2021)

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. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

IAR

Series 65

Date: 12/1/1995

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 7/22/1983

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 31

Date: 8/26/2005

Futures Managed Funds Examination

General Industry/Product Exam

Series 7

Date: 7/16/1983

General Securities Representative Examination

Principal/Supervisory Exam

Series 9

Date: 1/16/2002

General Securities Sales Supervisor - Options Module Examination

Principal/Supervisory Exam

Series 10

Date: 1/15/2002

General Securities Sales Supervisor - General Module Examination

SRO Registrations

FINRA

Current Firm

CHARLOTTE WEALTH MANAGEMENT, LLC

CRD#: 311058 / SEC#:

Florida

Registered Investment Advisory firm - (1/14/2022 Approved)

North Carolina

Registered Investment Advisory firm - (1/28/2021 Approved)

Ohio

Registered Investment Advisory firm - (11/29/2023 Terminated)

South Carolina

Registered Investment Advisory firm - (8/27/2021 Approved)

Texas

Registered Investment Advisory firm - (2/9/2021 Conditional Restricted)

Virginia

Registered Investment Advisory firm - (9/3/2021 Approved)

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).

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Contact information

Main Address

3530 Toringdon Way Suite 108, Charlotte, NC 28277

Mailing Address

Phone number

(704) 849-1001

Established

Firm type

Fiscal year end

# of Employees

Documents

Latest Form ADV

Regulatory assets under management

Total Number of Accounts	357
AUM (Assets Under Management)	$ 73,962,915

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

Stuart R. Gardner

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Stuart Ray Gardner JR's CRS (Customer Relationship Summary).

Certified licenses

Experience

LPL FINANCIAL LLC

LPL FINANCIAL LLC

SECURITIES AMERICA ADVISORS, INC.

SECURITIES AMERICA, INC.

AMERIPRISE ADVISOR SERVICES, INC.

AMERIPRISE ADVISOR SERVICES, INC.

WELLS FARGO CLEARING SERVICES, LLC

WELLS FARGO CLEARING SERVICES, LLC

SCOTT & STRINGFELLOW, LLC

SCOTT & STRINGFELLOW, INC.

MORGAN STANLEY DW INC.

LEHMAN BROTHERS INC.

E. F. HUTTON & COMPANY INC

MORGAN STANLEY DW INC.

PRUDENTIAL EQUITY GROUP, LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 12/1/1995

Series 63

Date: 7/22/1983

SIE

Date: 10/1/2018

Series 31

Date: 8/26/2005

Series 7

Date: 7/16/1983

Series 9

Date: 1/16/2002

Series 10

Date: 1/15/2002

FINRA

Current Firm

CHARLOTTE WEALTH MANAGEMENT, LLC

Contact information

Documents

Regulatory assets under management

Red Flags

Company Information

CHARLOTTE WEALTH MANAGEMENT, LLC

TRUST BUT VERIFY

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