MR
Margaret M. Ratto-young
CAMBRIDGE INVESTMENT RESEARCH
Paradise, CA 95969
Some features on this profile are disabled
CRD#: 1244803
MR
Professional summary
Margaret Mary Ratto-young, who also goes by Margaret Ratto, Margaret Mary Rattoyoung, is a registered financial professional currently at CAMBRIDGE INVESTMENT RESEARCH, INC. located in Paradise, California.
Margaret is registered as a RR (Registered Representative) and started their career in finance in 1984. Margaret has worked at 10 firms and has passed the Series 66, Series 99TO, Series 57TO, SIE, Series 55, Series 7, Series 24 and Series 27 exams.
Question & Answer
Are you a "fiduciary"?
No
Aliases
Margaret Ratto | Margaret Mary Rattoyoung
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.
**MARGARET RATTO-YOUNG INSURANCE POSITION: owner NATURE: INSURANCE SALES - AGENT - INVESTMENT RELATED - START DATE: 8/2009 - LOCATED AT 1375 EXPOSITION BLVD STE 201, SACRAMENTO, CA 95815 INVESTMENT RELATED: No NUMBER OF HOURS: 20 SECURITIES TRADING HOURS: 10 START DATE: 08/01/2009 ADDRESS: 1610 Arden Way, Suite 299, Sacramento, CA 95815 DESCRIPTION: Conduct insurance analysis and provide insurance solutions in the best interest of clients **SECURITIES AMERICA ADVISORS POSITION: Investment Advisory Representative NATURE: SECURITIES AMERICA ADVISORS, INC. - INVESTMENT ADVISOR REPRESENTATIVE INVESTMENT RELATED: Yes NUMBER OF HOURS: 100 SECURITIES TRADING HOURS: 100 START DATE: 01/01/2009 ADDRESS: 1610 Arden Way, Suite 299, Sacramento, CA 95815 DESCRIPTION: Full service, comprehensive Investment Advisory Service **BOARD OF DIRECTOR SAINT JOSEPH NOTRE DAME HIGH SCHOOL POSITION: oversight of endowment's assets NATURE: Board of Director Saint Joseph Notre Dame High School in Alameda, CA INVESTMENT RELATED: Yes NUMBER OF HOURS: 3 SECURITIES TRADING HOURS: 1 START DATE: 08/21/2019 ADDRESS: St. Joseph Notre Dame High School, 1101 Chestnut Street, Alameda CA 94501 DESCRIPTION: The board's function is pretty straightforward: to oversee management of the endowment's assets (currently totaling about $16 million) and to assess and approve grant requests from the school. They use Beacon Pointe to manage the money in their endowmentOversight- Our job is to make sure Vanguard meets the performance measurements described in the Investment Policy Statement and can be terminated or put on probation for reasons below:Investment Manager TerminationInvestment managers may be terminated or put on probation at the discretion of theConsultant and with the approval of the Committee at any time.Investment managers may be placed on probation if any of the following occur:1. Significant outperformance or underperformance for any quarter relative tobenchmark and peers2. Trailing 3-year performance falls below the designated benchmark3. Trailing 3-year performance falls below the median investment manager in their particular peer universe4. Ownership structure changes5. Any turnover of key investment decision makers6. Changes in investment process or philosophy including investment style drift7. Investment guideline violationOnce an investment manager is placed on probation the Consultant shall provide an indepthanalysis of the firm with particular attention to pertinent issues that caused the firm to be placed on probation. The Consultant shall conclude this analysis with a specific recommendation to the Committee. If appropriate, a special meeting shall be held to discuss the status of the investment manager.
CRS (Client Relationship Summary) - BD
Click below to view Margaret Mary Ratto-young'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
August 1, 2023 - Present
CAMBRIDGE INVESTMENT RESEARCH, INC.
Office #1: 6779 Skyway Suite A, Paradise, CA 95969BD
CRD#: 39543
Paradise, CA
Past
January 23, 2009 - August 1, 2023
SECURITIES AMERICA ADVISORS, INC.
RIA
CRD#: 110518
SACRAMENTO, CA
Past
January 23, 2009 - August 1, 2023
SECURITIES AMERICA, INC.
BD
CRD#: 10205
SACRAMENTO, CA
Past
June 27, 2007 - January 23, 2009
BRECEK & YOUNG ADVISORS, INC.
RIA
CRD#: 40395
FOLSOM, CA
Past
June 27, 2007 - January 23, 2009
BRECEK & YOUNG ADVISORS, INC.
BD
CRD#: 40395
FOLSOM, CA
Past
October 30, 2002 - June 27, 2007
BROOKSTREET SECURITIES CORPORATION
RIA
CRD#: 14667
DAVIS, CA
Past
April 5, 2002 - June 27, 2007
BROOKSTREET SECURITIES CORPORATION
BD
CRD#: 14667
DAVIS, CA
Past
February 26, 2001 - May 27, 2001
BLACKBEARD SECURITIES, LLC
BD
CRD#: 46748
SAN FRANCISCO, CA
Past
March 5, 1999 - January 3, 2001
PORTSMOUTH FINANCIAL SERVICES
BD
CRD#: 13980
SAN FRANCISCO, CA
Past
April 1, 1998 - February 24, 1999
ELECTRONIC TRADING GROUP, LLC
BD
CRD#: 37453
NEW YORK, NY
Past
September 9, 1993 - January 28, 1999
CSC SECURITIES LTD.
BD
CRD#: 31795
MT. PLEASANT, SC
Past
March 19, 1984 - August 10, 1993
MORGAN STANLEY DW INC.
BD
CRD#: 7556
PURCHASE, NY
State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
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
California(8/1/2023)
Exams
State Security Law Exam
General Industry/Product Exam
RR
Series 99TO
Date: 1/2/2023
Operations Professional ExaminationGeneral Industry/Product Exam
RR
Series 57TO
Date: 1/2/2023
Securities Trader ExamGeneral Industry/Product Exam
General Industry/Product Exam
RR
Series 55
Date: 3/25/2000
Limited Representative-Equity Trader ExamGeneral Industry/Product Exam
Principal/Supervisory Exam
Principal/Supervisory Exam
SRO Registrations
RR
FINRA
Current Firm
CI
CAMBRIDGE INVESTMENT RESEARCH, INC.
CAMBRIDGE | JORDAN CREEK FINANCIAL SERVICES | FAIRFIELD GLOBAL INVESTMENTS, INC. | CANTELLA & CO., INC. | CAMBRIDGE INVESTMENT RESERARCH, INC. | CAMBRIDGE INVESTMENT RESEARCH, INC.
CRD#: 39543 / SEC#: , 8-48740
BD
Broker-Dealer Firm Regulated by FINRA (Kansas City district office)
Upgrade to AdvisorCheck Premium
Get A Biweekly Pulse, AutomaticallyReceive biweekly alerts automatically. Stay informed and proactive.
Catch Firm-Level Red Flags SoonerCatch leadership changes and disclosures early, before issues escalate.
See Trends. Not Just SnapshotsMonitor firm stability metrics like AUM and advisor ratios over time.
Contact information
Main Address
1776 Pleasant Plain Rd., Fairfield, IA 52556-8757
Mailing Address
1776 Pleasant Plain Rd., Fairfield, IA 52556-8757
Phone number
(641) 472-5100
Established
Iowa since 10/12/1995
Firm type
Corporation
Fiscal year end
December
Firm Size
Large
# of Employees
FINRA licenses (53 States and Territories)
Direct owners and executive officers
| Name | Position | CRD# |
|---|---|---|
| CAMBRIDGE INVESTMENT GROUP, INC. | SHAREHOLDER/HOLDING COMPANY | |
| BELL, COLLEEN MCGUIRE | PRESIDENT INNOVATION AND EXPERIENCE; DIRECTOR | 5077188 |
| BOEN, RYAN | EVP, CHIEF FINANCIAL OFFICER/FINOP, PRINCIPAL OPERATIONS OFFICER | 7842316 |
| KUHLMAN, RICHARD HENRY | SVP, CHIEF LEGAL OFFICER | 7076563 |
| MILLER, SETH AARON | PRESIDENT ADVOCACY & ADMINISTRATION; GENERAL COUNSEL; DIRECTOR | 5495508 |
| ROBBINS, TAMMY ANN | EXECUTIVE VICE PRESIDENT/CHIEF BUSINESS DEVELOPMENT OFFICER | 3125668 |
| ROLLINS, EDDIE THOMAS | EXECUTIVE VICE PRESIDENT, MANAGING DIRECTOR - BRIDGEPORT | 1523500 |
| SHAFER, ANDREA LYNN | EVP, CHIEF SUPERVISION OFFICER | 5448499 |
| STONE, CARLA JEAN | FIRST VICE PRESIDENT, FINANCE/CHIEF ACCOUNTING OFFICER | 3193985 |
| TURNER, GREGORY WALTER | EVP, CONSULTING SERVICES | 3144311 |
| VEST, VALARIE KNOBLOCK | EVP, CHIEF EXPERIENCE OFFICER | 3074142 |
| VIVACQUA, JEFFREY FRANCIS | PRESIDENT GROWTH AND DEVELOPMENT; DIRECTOR | 2608892 |
| WEBBER, AMY LYNN | CEO, SECRETARY; DIRECTOR | 1812670 |
| YOUHN, STEPHEN MICHAEL | CHIEF COMPLIANCE OFFICER | 1414691 |
Disclosures
| Regulatory Event | 13 |
| Arbitration | 4 |
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.
Company Information
CAMBRIDGE INVESTMENT RESEARCH, INC.
CRD#: 39543Paradise, CA 95969TRUST BUT VERIFY
Monitor Margaret Ratto-young
Get automatic monthly alerts on:Job or Firm Moves
Licensing Changes
Client Complaints
New Red Flags
Contact Information Updates
Contact information
xxxxx@xxxx.xxx
