Philip J. Sprague

J. W. COLE ADVISORS

Watertown, NY 13601

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CRD#: 1287661

Professional summary

Philip John Sprague, who also goes by Philip John Sprague, is a registered financial advisor currently at J. W. COLE ADVISORS, INC. located in Watertown, New York and J.W. COLE FINANCIAL, INC. located in Watertown, New York.

Philip is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1985. Philip has worked at 3 firms and has passed the Series 63, SIE, Series 7 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Philip John Sprague

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) Fixed Insurance Agent; investment related; 531 Washington St, Ste 3501, Watertown, NY 13601; Insurance sales; Insurance Agent; Start 3/1983; 150 hrs/mo, 150 hrs/mo during trading. (2) Watertown Wealth Management; DBA; Investment Related; 531 Washington St, Ste 3501, Watertown, NY 13601; President/CEO; Financial Advising; Start 12/11/2020; 140 hrs/mo, 140 hrs/mo during trading. (3) Co-Trustee and Executor of Estate of C MacDonald Grout. (4) First Presbyterian Church; Not Investment related; Washington Street, Watertown, NY 12301; Volunteer; Committee Chairman; Organization of group of volunteers to solicit contributions and pledges to replace a historic steeple as well as the actual solicitation of these contributions; Start 9/26/24; 5 hours /month during trading. (5) First Presbyterian Church; Not investment related; Washington St, Watertown, NY 13601; Volunteer on behalf of this church; Member of finance committee; Start 9/30/2025; 1 hour/month during trading.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Philip John Sprague'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 1, 2021 - Present

J. W. COLE ADVISORS, INC.

Office #1: 531 Washington Street Suite 3501, Watertown, NY 13601

RIA

CRD#: 112294

Watertown, NY

Current

November 1, 2021 - Present

J.W. COLE FINANCIAL, INC.

Office #1: 531 Washington Street Suite 3501, Watertown, NY 13601

CRD#: 124583

Watertown, NY

Past

February 3, 2018 - November 2, 2021

MML INVESTORS SERVICES, LLC

RIA

CRD#: 10409

WATERTOWN, NY

Past

September 17, 1985 - November 2, 2021

MML INVESTORS SERVICES, LLC

CRD#: 10409

WATERTOWN, NY

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".

J. W. COLE ADVISORS, INC.

CRD#: 112294 / SEC#: 801-60722

RIA

Registered Investment Advisory firm - (11/23/2001 Approved)

Arizona

Registered Investment Advisory firm - (12/4/2001 Terminated)

Florida

Registered Investment Advisory firm - (12/5/2001 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.

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

Arizona
(11/1/2021)

Colorado
(11/1/2021)

Florida
(11/1/2021)

Georgia
(1/3/2023)

Kentucky
(8/4/2022)

Louisiana
(9/26/2023)

Maine
(11/1/2021)

Maryland
(11/1/2021)

Massachusetts
(11/1/2021)

Minnesota
(8/29/2024)

New Hampshire
(11/1/2021)

New Jersey
(11/1/2021)

New York
(11/1/2021)

IAR

New York
(11/1/2021)

North Carolina
(11/1/2021)

Ohio
(11/1/2021)

Pennsylvania
(11/1/2021)

South Carolina
(11/1/2021)

Tennessee
(11/1/2021)

Texas
(9/9/2022)

IAR

Texas
(10/22/2025)

Virginia
(3/14/2024)

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

Series 63

Date: 9/16/1985

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 10/18/2000

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 9/16/1985

Investment Company Products/Variable Contracts Representative Examination

SRO Registrations

FINRA

Current Firm

J. W. COLE ADVISORS, INC.

CRD#: 112294 / SEC#: 801-60722

RIA

Registered Investment Advisory firm - (11/23/2001 Approved)

Arizona

Registered Investment Advisory firm - (12/4/2001 Terminated)

Florida

Registered Investment Advisory firm - (12/5/2001 Terminated)

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Contact information

Main Address

4301 Anchor Plaza Parkway Suite 450, Tampa, FL 33634

Mailing Address

Phone number

(813) 935-6776

Established

Firm type

Fiscal year end

# of Employees

512

SEC notice filing (52 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

WRAP FEE PROGRAM (3/28/2025)

JWCA 2A (3/28/2025)

Regulatory assets under management

Total Number of Accounts	29,614
AUM (Assets Under Management)	$ 7,195,237,282

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

Philip J. Sprague

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Philip John Sprague's CRS (Customer Relationship Summary).

Certified licenses

Experience

J.W. COLE FINANCIAL, INC.

MML INVESTORS SERVICES, LLC

MML INVESTORS SERVICES, LLC

Primary Firm SEC Registration

J. W. COLE ADVISORS, INC.

State Registrations and Notice Filings

Exams

Series 63

Date: 9/16/1985

SIE

Date: 10/1/2018

Series 7

Date: 10/18/2000

Series 6

Date: 9/16/1985

FINRA

Current Firm

J. W. COLE ADVISORS, INC.

Contact information

SEC notice filing (52 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

J. W. COLE ADVISORS, INC.

TRUST BUT VERIFY

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