JR
James D. Richards
CETERA INVESTMENT ADVISERS LLC
ENGLEWOOD, CO 80112
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CRD#: 1273448
JR
Professional summary
James Donald Richards, CFP®, who also goes by James D Richards, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Englewood, Colorado and CETERA WEALTH SERVICES, LLC located in Centennial, Colorado.
James is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1984. James has worked at 8 firms and has passed the Series 65, Series 63, SIE, Series 7, Series 22 and Series 6 exams.
Question & Answer
Are you a "fiduciary"?
Yes
Aliases
James D Richards
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) INDEPENDENT INSURANCE AGENT, DISABILITY, FIXED ANNUITIES, LIFE/ACCIDENT/HEALTH, LONG-TERM CARE, FOR 20HRS/WK & 10HRS EVENING & WKENDS, SINCE 1984; (2) NAME OF OTHER BUSINESS: DBA THE RICHARDS FINANCIAL GROUP, INC.; INVESTMENT RELATED: YES; ADDRESS: SAME AS REGISTERED; NATURE OF BUSINESS: FINANCIAL SERVICES; START DATE: 1992; POSITION/TITLE/RELATIONSHIP: PRESIDENT & ADVISOR; APX NUMBER OF HOURS PER WEEK: 60 HOURS; APX NUMBER OF HOURS DURING TRADING HOURS: 32.5 HOURS; BRIEF DESCRIPTION OF DUTIES: DBA FOR INSURANCE & SECURITIES BUSINESS. (3) NAME OF OTHER BUSINESS: INVERNESS GROUP LLC INVESTMENT RELATED: NO ADDRESS: SAME AS REGISTERED LOCATION NATURE OF BUSINESS: REAL ESTATE HOLDING START DATE: 6/2002 APX NUMBER OF HOURS PER WEEK: 1 APX NUMBER OF HOURS DURING TRADING HOURS: 1 POSITION: OWNER BRIEF DESCRIPTION OF DUTIES: GENERAL DUTIES ; (4) NAME OF OTHER BUSINESS: COLORDO FARM BUREAU; INVESTMENT RELATED: NO; ADDRESS: 9177 EAST MINERAL AVENUE CENTENNIAL, CO 80112; NATURE OF BUSINESS: ADVOCACY; START DATE: 4/2022; POSITION/TITLE/RELATIONSHIP: BOARD MEMBER/LIASON; APX NUMBER OF HOURS PER WEEK: VARIES; APX NUMBER OF HOURS DURING TRADING HOURS: VARIES ; BRIEF DESCRIPTION OF DUTIES: COMMUNICATE MISSION, VISION AND ACTIVITIES TO MEMBERS, INTERPRET POLICY, APPROVE APPOINTMENTS AND BUDGET; 5) NAME OF OTHER BUSINESS: COLORADO FARM BUREAU; INVESTMENT RELATED: NO; ADDRESS: 9177 EAST MINERAL CIRCLE, CENTENNIAL, CO 80112; NATURE OF BUSINESS: PAC COMMITTEE; START: 1/2025; POSITION/TITLE/RELATIONSHIP: COMMITTEE MEMBER; APX NUMBER OF HOURS PER WEEK: 2; APX NUMBER OF HOURS DURING TRADING HOURS: 0; DUTIES: OVERSIGHT OF FUNDRAISING & EXPENDITURES, ASSIST WITH FUNDRAISING EFFORTS, REVIEW RECOMMENDATIONS PUT FORTH BY THE IN-HOUSE & CONTRACT LOBBY TEAMS FOR CONTRIBUTIONS TO CANDIDATES, CAMPAIGNS, AND OTHER PAC'S; (6) NAME OF OTHER BUSINESS: COLORADO FFA FOUNDATION, INVESTMENT RELATED: NO, ADDRESS: 4777 NATIONAL WESTERN DRIVE, DENVER, CO 80216, NATURE OF BUSINESS: NON-PROFIT, START DATE: 07/2023, POSITION/TITLE/RELATIONSHIP: BOARD MEMBER, APX NUMBER OF HOURS PER WEEK: 1, APX NUMBER OF HOURS DURING TRADING HOURS: 1, BRIEF DESCRIPTION OF DUTIES: COMMUNICATE MISSION, VISION, AND ACTIVITIES TO INDIVIDUALS AND BUSINESSES THAT SUPPORT AGRICULTURAL EDUCATION IN COLORADO, ATTEND EVENTS, INTERPRET POLICY, APPROVE APPOINTMENTS AND BUDGET; (7) NAME OF OTHER BUSINESS: TEXARADO WESTERN ADVISORS, LLC; INVESTMENT RELATED: YES; ADDRESS: SAME AS REGISTERED LOCATION; NATURE OF BUSINESS: FINANCIAL SERVICES; START DATE: 02/2025; POSITION/TITLE/RELATIONSHIP: OWNER/FINANCIAL PROFESSIONAL; APX NUMBER OF HOURS PER WEEK: 10; APX NUMBER OF HOURS DURING TRADING HOURS: 10; BRIEF DESCRIPTION OF DUTIES: DBA FOR FINANCIAL SERVICES; 6. NAME OF OTHER BUSINESS: TEXARADO WESTERN FINANCIAL, LLC; INVESTMENT RELATED: YES, ADDRESS: SAME AS REGISTERED LOCATION, NATURE OF BUSINESS: FINANCIAL SERVICES, START DATE: 5/2025, POSITION/TITLE/RELATIONSHIP: OWNER, APX NUMBER OF HOURS PER WEEK: 40, APX NUMBER OF HOURS DURING TRADING HOURS: 32.5, BRIEF DESCRIPTION OF DUTIES: DBA FOR FINANCIAL SERVICES;
CRS (Client Relationship Summary) - RIA
Click below to view James Donald Richards'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: 1988
Experience
Current
June 29, 2023 - Present
CETERA INVESTMENT ADVISERS LLC
Office #1: 16 Inverness Place E Bldg E-200, Englewood, CO 80112RIA
CRD#: 105644
ENGLEWOOD, CO
Current
September 3, 2013 - Present
CETERA WEALTH SERVICES, LLC
Office #1: 6025 S Quebec St Suite 170, Centennial, CO 80111BD
CRD#: 13572
Centennial, CO
Past
September 3, 2014 - November 13, 2020
VANTAGE FINANCIAL GROUP, INC.
RIA
CRD#: 105950
ENGLEWOOD, CO
Past
September 3, 2013 - June 29, 2023
CETERA WEALTH SERVICES, LLC
RIA
CRD#: 13572
ENGLEWOOD, CO
Past
May 3, 2006 - September 3, 2013
WALNUT STREET SECURITIES, INC.
RIA
CRD#: 15840
ENGLEWOOD, CO
Past
January 1, 1999 - November 2, 2006
WALNUT STREET ADVISERS INC
RIA
CRD#: 109903
ENGLEWOOD, CO
Past
February 23, 1993 - September 3, 2013
WALNUT STREET SECURITIES, INC.
BD
CRD#: 15840
ENGLEWOOD, CO
Past
January 11, 1990 - March 11, 1993
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
BD
CRD#: 2580
FORT WAYNE, IN
Past
January 11, 1990 - March 11, 1993
OSAIC FA, INC.
BD
CRD#: 3978
FORT WAYNE, IN
Past
June 19, 1984 - January 24, 1990
LINCOLN FINANCIAL DISTRIBUTORS, INC.
BD
CRD#: 145
RADNOR, PA
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
Colorado(9/3/2013)
IAR
Colorado(6/29/2023)
RR
Florida(9/3/2013)
RR
Hawaii(9/3/2013)
RR
Oregon(1/2/2025)
RR
South Carolina(9/23/2025)
RR
Texas(6/29/2020)
IAR
Texas(6/29/2023)
RR
Washington(10/30/2013)
RR
Wyoming(1/10/2022)
Exams
State Security Law Exam
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product 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
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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.
