Aviva Esther Sapers, CHFC, CLU | Financial Professional | Newton, Massachusetts | CSENGE ADVISORY GROUP, LLC

Professional summary

Aviva Esther Sapers, ChFC®, CLU®, who also goes by Abby Esther Sapers, Abby Sapers, is a registered financial advisor currently at CSENGE ADVISORY GROUP, LLC located in Newton, Massachusetts and INTEGRITY ALLIANCE, LLC. located in Newton, Massachusetts.

Aviva is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1984. Aviva has worked at 10 firms and has passed the Series 63, SIE, Series 7 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Abby Esther Sapers | Abby Sapers

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)SAPERS & WALLACK, INC POSITION: Owner NATURE: Insurance sales, wealth management, retirement plan consulting INVESTMENT RELATED: Yes NUMBER OF HOURS: 160 SECURITIES TRADING HOURS: 140 START DATE: 01/01/1989 ADDRESS: 313 Washington St., Suite 308, Newton MA 02458, United States DESCRIPTION: Owner 2) Business Name: Sharon Goodman Irrevocable Trust Investment Related: No Address: P.O. Box 6497 Kamuela HI 96743 Nature of Business: Other Other/None of the Above purchase of life insurance Position, Title or Relationship: Other,trustee Start Date: 12/26/1990 Hours per month: 0% - 10% (0 - 16 hours) Hours per month during trading hours: 0% - 10% (0 - 14 hours) Duties: Pay premiums, send crummy notices to beneficiaries 3) Business Name: Andrew Goodman irrevocable Trust Investment Related: Yes Address: P.O. Box 6497 Kamuela HI 96743 Nature of Business: Other Other/None of the Above paying premiums Position, Title or Relationship: Other,trustee Start Date: 12/26/1990 Hours per month: 0% - 10% (0 - 16 hours) Hours per month during trading hours: 0% - 10% (0 - 14 hours) Duties: Paying premiums and making distributions Business Name: Sapers & Wallack, Inc. Investment Related: Yes Address: 275 Washington St. Newton MA 02458 Nature of Business: Registered Rep Activities through Lion Street Financial using a DBA name; Consulting; Insurance; Investment Advisory services through Lion Street Financial Advisors Position, Title or Relationship: Owner Start Date: 1/27/1987 Hours per month: 100%+ (More than 160 hours) Hours per month during trading hours: 91% - 100% (127 - 140 hours) Duties: Management and sales to clients 4) Business Name: Lion Street Advisors and Csenge Advisory Investment Related: Yes Address: 1250 Capital of Texas Highway, Building 2 Suite 125 Austin TX 78746 Nature of Business: Investment Advisory services through Kestra Advisory Services, LLC Position, Title or Relationship: Investment Advisor Representative Start Date: 4/4/2016 Hours per month: Up to 100% (0 to 160 hours) Hours per month during trading hours: Up to 100% (0 to 160 hours) Duties: Investment advisory services 5) LESTER SPEC RE LLC POSITION: Investor NATURE: My wife and I purchased a parcel of land in ME and worked with a developer to build 2 houses and sell them. There is 1 undeveloped parcel but only asset that remains right now is cash. INVESTMENT RELATED: No NUMBER OF HOURS: 1 SECURITIES TRADING HOURS: 0 START DATE: 01/01/2021 ADDRESS: 115 Bellevue St., Newton MA 02458, United States DESCRIPTION: Investor only 6) CSENGE ADVISORY GROUP POSITION: Client NATURE: Csenge allows Sapers & Wallack to utilize the Fidelity investment platform for our wealth management clients. INVESTMENT RELATED: Yes NUMBER OF HOURS: 0 SECURITIES TRADING HOURS: 0 START DATE: 02/01/2022 ADDRESS: Investment Related, 4755 East Bay Drive, Clearwater FL 33764, United States DESCRIPTION: My investment team of 3 people utilizes the Csenge platform to provide the Fidelity investment platform to our clients. They likely average approximately 4-6 hours a day doing administrative account updates and fund transfers for our clients. I do not utilize the platform personally. 7)AEMEDICARE SOLUTIONS POSITION: Referral Partner NATURE: Supplemental Medicare referral business INVESTMENT RELATED: No NUMBER OF HOURS: 2 SECURITIES TRADING HOURS: 0 START DATE: 08/30/2024 ADDRESS: 2950 SW McClure Rd, Topeka KS 66614, United States DESCRIPTION: Referral Partner

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Aviva Esther Sapers'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®

ChFC^®

Chartered Financial Consultant

CLU^®

Chartered Life Underwriter

Experience

Current

February 23, 2021 - Present

CRD#: 131167 / SEC#: 801-72792

RIA

Registered Investment Advisory firm - (10/13/2011 Approved)

Florida

Registered Investment Advisory firm - (11/8/2011 Terminated)

Texas

Registered Investment Advisory firm - (11/15/2007 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.

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
(11/3/2025)

RR

Connecticut
(11/3/2025)

RR

Florida
(11/4/2025)

RR

Maryland
(11/11/2025)

IAR

Massachusetts
(2/23/2021)

RR

Massachusetts
(11/3/2025)

RR

New Hampshire
(11/3/2025)

RR

New Jersey
(11/3/2025)

RR

New York
(11/3/2025)

RR

Ohio
(11/3/2025)

RR

Pennsylvania
(11/11/2025)

RR

Texas
(11/3/2025)

RR

Virginia
(11/3/2025)

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.

CA

CSENGE ADVISORY GROUP, LLC

CRD#: 131167 / SEC#: 801-72792

RIA

Registered Investment Advisory firm - (10/13/2011 Approved)

Florida

Registered Investment Advisory firm - (11/8/2011 Terminated)

Texas

Registered Investment Advisory firm - (11/15/2007 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).

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Contact information

Main Address

4755 East Bay Drive, Clearwater, FL 33764

Mailing Address

Phone number

(727) 437-6000

Established

Firm type

Fiscal year end

# of Employees

79

SEC notice filing (45 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

CAG WRAP FEE PROGRAM (3/25/2025)

CAG ADV PART 2 (3/25/2025)

Regulatory assets under management

Total Number of Accounts	14,643
AUM (Assets Under Management)	$ 2,882,684,461

Red Flags

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Check for any disclosures as part of your thorough research when choosing an advisor.

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Firm Stability Insights

Aviva E. Sapers

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Aviva Esther Sapers's CRS (Customer Relationship Summary).

Certified licenses

Experience

INTEGRITY ALLIANCE, LLC.

INTEGRITY ALLIANCE, LLC.

LION STREET ADVISORS, LLC

LION STREET FINANCIAL, LLC

KESTRA ADVISORY SERVICES, LLC

KESTRA INVESTMENT SERVICES, LLC

KESTRA INVESTMENT SERVICES, LLC

NATHAN & LEWIS SECURITIES, INC.

GUARDIAN INVESTOR SERVICES LLC

NEW ENGLAND SECURITIES

CMS INVESTMENT RESOURCES, LLC

Primary Firm SEC Registration

CSENGE ADVISORY GROUP, LLC

State Registrations and Notice Filings

Exams

Series 63

Date: 11/13/1984

SIE

Date: 10/1/2018

Series 7

Date: 12/15/1984

Series 24

Date: 3/10/1998

FINRA

Current Firm

CSENGE ADVISORY GROUP, LLC

Contact information

SEC notice filing (45 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

CSENGE ADVISORY GROUP, LLC

TRUST BUT VERIFY

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