Bernard F. Adam

CETERA INVESTMENT ADVISERS LLC

Houston, TX 77070

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CRD#: 1492644

Professional summary

Bernard Fred Adam III, who also goes by Biff Adam III, Biff Adam, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Houston, Texas and CETERA WEALTH SERVICES, LLC located in Houston, Texas.

Bernard is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1987. Bernard has worked at 15 firms and has passed the Series 65, Series 63, SIE, Series 7 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Biff Adam Iii | Biff Adam

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. NAME OF ENTITY: INDEPENDENT INSURANCE AGENT; Yes; 8203 WILLOW PLACE DR STE 520; HOUSTON; TX; 77070; FIXED INSURANCE SALES; INDEPENDENT INSURANCE AGENT; 1/28/2013; 160; 160; SALES OF FIXED INSURANCE PRODUCTS 2. NAME OF OTHER BUSINESS: BEDROCK FINANCIAL ADVISORS, LLC; INVESTMENT RELATED: YES, ADDRESS: SAME AS REGISTERED LOCATION, NATURE OF BUSINESS: FINANCIAL SERVICES, START DATE: 3/2023, 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; 3. NAME OF OTHER BUSINESS: HILLTOP LAKES POA; INVESTMENT RELATED: NO; ADDRESS: 3 HILLTOP DR HILLTOP LAKES, TX 77871; NATURE OF BUSINESS: PROPERTY OWNERS ASSOCIATION; START DATE: 3/2025; POSITION/TITLE/RELATIONSHIP: BOARD MEMBER; APX NUMBER OF HOURS PER WEEK: 1; APX NUMBER OF HOURS DURING TRADING HOURS: 0; BRIEF DESCRIPTION OF DUTIES: HELP MANAGE THE PROPERTY OWNERS ASSOCIATION ;

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Bernard Fred Adam III'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

June 29, 2023 - Present

CETERA INVESTMENT ADVISERS LLC

Office #1: 12345 Jones Road, Suite 153, Houston, TX 77070Office #2: 26002 Budde Road, Spring, TX 77380

RIA

CRD#: 105644

Houston, TX

Current

June 9, 2021 - Present

CETERA WEALTH SERVICES, LLC

Office #1: 12345 Jones Rd Ste 200.1, Houston, TX 77070

CRD#: 13572

HOUSTON, TX

Past

June 9, 2021 - June 29, 2023

CETERA WEALTH SERVICES, LLC

RIA

CRD#: 13572

Spring, TX

Past

May 18, 2017 - June 9, 2021

VOYA FINANCIAL ADVISORS, INC.

RIA

CRD#: 2882

Spring, TX

Past

January 28, 2013 - June 9, 2021

VOYA FINANCIAL ADVISORS, INC.

CRD#: 2882

Spring, TX

Past

September 17, 2010 - February 5, 2013

OSAIC FS, INC.

CRD#: 3870

HOUSTON, TX

Past

March 5, 2007 - September 9, 2010

PARKLAND SECURITIES, LLC

CRD#: 115368

CYPRESS, TX

Past

October 1, 2004 - November 29, 2005

OSAIC FS, INC.

CRD#: 3870

CYPRESS, TX

Past

August 13, 2003 - January 3, 2007

THE LEADERS GROUP, INC.

CRD#: 37157

SUMMIT, NJ

Past

October 10, 2002 - September 18, 2003

TOWER SQUARE SECURITIES, INC.

CRD#: 833

EL SEGUNDO, CA

Past

May 1, 2001 - October 10, 2002

THE LEADERS GROUP, INC.

CRD#: 37157

SUMMIT, NJ

Past

November 12, 1996 - August 13, 1997

DOMINION CAPITAL CORPORATION

CRD#: 18837

DALLAS, TX

Past

August 18, 1993 - November 7, 1994

FIRST MONTAUK SECURITIES CORP.

CRD#: 13755

RED BANK, NJ

Past

August 27, 1992 - August 3, 1993

VERAVEST INVESTMENTS, INC.

CRD#: 3960

WORCESTER, MA

Past

November 4, 1991 - August 3, 1992

THE PRUDENTIAL INSURANCE COMPANY OF AMERICA

CRD#: 680

NEWARK, NJ

Past

November 4, 1991 - August 3, 1992

PRUCO SECURITIES, LLC.

CRD#: 5685

NEWARK, NJ

Past

July 12, 1990 - October 10, 1991

GREEN HILL FINANCIAL SERVICE CORPORATION

CRD#: 4882

Past

June 23, 1989 - June 26, 1990

JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY

CRD#: 5181

BOSTON, MA

Past

June 23, 1989 - June 26, 1990

SIGNATOR INVESTORS, INC.

CRD#: 468

BOSTON, MA

Past

March 31, 1987 - June 12, 1989

VERAVEST INVESTMENTS, INC.

CRD#: 3960

WORCESTER, MA

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".

CETERA INVESTMENT ADVISERS LLC

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.

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
(6/9/2021)

California
(6/9/2021)

Colorado
(6/9/2021)

Delaware
(6/9/2021)

Florida
(6/10/2021)

Georgia
(6/9/2021)

Illinois
(6/9/2021)

Louisiana
(6/9/2021)

Maryland
(3/23/2022)

Missouri
(6/9/2021)

New Jersey
(6/9/2021)

New Mexico
(6/9/2021)

New York
(6/9/2021)

North Carolina
(6/9/2021)

North Dakota
(6/9/2021)

Oklahoma
(6/9/2021)

Oregon
(6/9/2021)

South Carolina
(4/28/2022)

Texas
(6/9/2021)

IAR

Texas
(6/29/2023)

Virginia
(6/9/2021)

West Virginia
(6/9/2021)

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: 5/12/2017

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 8/16/2001

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: 7/3/2007

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 4/30/2001

Investment Company Products/Variable Contracts Representative Examination

SRO Registrations

FINRA

Current Firm

CETERA INVESTMENT ADVISERS LLC

CRD#: 105644 / SEC#: 801-20406

RIA

Registered Investment Advisory firm - (1/13/1984 Approved)

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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)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

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	Cover Page	Report
12/13/2024	Cover Page	Report
09/26/2023	Cover Page	Report
11/18/2022	Cover Page	Report

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

Bernard F. Adam

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Bernard Fred Adam III's CRS (Customer Relationship Summary).

Certified licenses

Experience

CETERA WEALTH SERVICES, LLC

CETERA WEALTH SERVICES, LLC

VOYA FINANCIAL ADVISORS, INC.

VOYA FINANCIAL ADVISORS, INC.

OSAIC FS, INC.

PARKLAND SECURITIES, LLC

OSAIC FS, INC.

THE LEADERS GROUP, INC.

TOWER SQUARE SECURITIES, INC.

THE LEADERS GROUP, INC.

DOMINION CAPITAL CORPORATION

FIRST MONTAUK SECURITIES CORP.

VERAVEST INVESTMENTS, INC.

THE PRUDENTIAL INSURANCE COMPANY OF AMERICA

PRUCO SECURITIES, LLC.

GREEN HILL FINANCIAL SERVICE CORPORATION

JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY

SIGNATOR INVESTORS, INC.

VERAVEST INVESTMENTS, INC.

Primary Firm SEC Registration

CETERA INVESTMENT ADVISERS LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 5/12/2017

Series 63

Date: 8/16/2001

SIE

Date: 10/1/2018

Series 7

Date: 7/3/2007

Series 6

Date: 4/30/2001

FINRA

Current Firm

CETERA INVESTMENT ADVISERS LLC

Contact information

SEC notice filing (53 States and Territories)

Documents

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

CETERA INVESTMENT ADVISERS LLC

TRUST BUT VERIFY

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