Ruthann M. Montaine

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CRD#: 1788622

Professional summary

Being a previously registered professional could mean that this person is no longer operating under the supervision of the SEC or FINRA.

That means that the Securities and Exchange Commission may not be able to oversee the services that this specific professional is providing.

Ruthann Marie Montaine, who also goes by Ruthann Marie Montaine, was a registered financial professional .

Ruthann is a previously registered financial professional and started their career in finance in 1994. Ruthann had worked at 13 firms and has passed the Series 63, SIE, Series 7 and Series 11 exams.

Question & Answer

Are you a "fiduciary"?

Aliases

Ruthann Marie Montaine

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.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary)

The CRS(Customer Relationship Summary) document is not provided.

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

Past

November 19, 2021 - January 14, 2022

THE RETIREMENT GUYS FORMULA

RIA

CRD#: 168561

MAUMEE, OH

Past

November 10, 2021 - January 21, 2022

PEAK BROKERAGE SERVICES, LLC

CRD#: 157045

Maumee, OH

Past

September 20, 2021 - November 4, 2021

MML INVESTORS SERVICES, LLC

CRD#: 10409

Toledo, OH

Past

July 23, 2021 - August 26, 2021

NORTHWESTERN MUTUAL INVESTMENT SERVICES, LLC

CRD#: 2881

TOLEDO, OH

Past

October 8, 2019 - December 5, 2019

MORGAN STANLEY

RIA

CRD#: 149777

TOLEDO, OH

Past

October 8, 2019 - December 5, 2019

MORGAN STANLEY

CRD#: 149777

TOLEDO, OH

Past

September 20, 2013 - July 15, 2019

AMERIPRISE FINANCIAL SERVICES, LLC

RIA

CRD#: 6363

Perrysburg, OH

Past

September 20, 2013 - July 15, 2019

AMERIPRISE FINANCIAL SERVICES, LLC

CRD#: 6363

Perrysburg, OH

Past

May 6, 2013 - June 17, 2013

MML INVESTORS SERVICES, LLC

RIA

CRD#: 10409

SYLVANIA, OH

Past

April 22, 2013 - June 17, 2013

MML INVESTORS SERVICES, LLC

CRD#: 10409

SYLVANIA, OH

Past

November 24, 2010 - December 8, 2011

WRP INVESTMENTS, INC.

CRD#: 7365

HOLLAND, OH

Past

August 24, 2010 - January 7, 2011

MPM WEALTH ADVISORS

RIA

CRD#: 104926

HOLLAND, OH

Past

March 5, 2007 - November 20, 2008

VALIC FINANCIAL ADVISORS, INC.

RIA

CRD#: 42803

INDEPENDENCE, OH

Past

January 9, 2007 - November 20, 2008

VALIC FINANCIAL ADVISORS, INC.

CRD#: 42803

INDEPENDENCE, OH

Past

August 8, 1997 - January 12, 2007

KEYBANC CAPITAL MARKETS INC.

CRD#: 566

ANN ARBOR, MI

Past

July 22, 1997 - September 16, 1997

PRUDENTIAL EQUITY GROUP, LLC

CRD#: 7471

NEW YORK, NY

Past

June 22, 1995 - July 25, 1997

KEYBANC CAPITAL MARKETS INC.

CRD#: 566

CLEVELAND, OH

Past

March 3, 1995 - June 27, 1995

KEY INVESTMENTS INC.

CRD#: 15873

CLEVELAND, OH

Past

November 8, 1994 - March 3, 1995

SOCIETY INVESTMENTS, INC.

CRD#: 17656

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".

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CRD#: 168561 / SEC#: 801-119086

RIA

Registered Investment Advisory firm - (7/20/2020 Approved)

Michigan

Registered Investment Advisory firm - (7/23/2020 Terminated)

Ohio

Registered Investment Advisory firm - (7/23/2020 Terminated)

Pennsylvania

Registered Investment Advisory firm - (7/24/2020 Terminated)

South Carolina

Registered Investment Advisory firm - (7/22/2020 Terminated)

Texas

Registered Investment Advisory firm - (7/22/2020 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.

Visual representation of state registrations

This advisor is not registered in any state.

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.

Exams

State Security Law Exam

Series 63

Date: 5/11/1995

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: 2/13/1995

General Securities Representative Examination

General Industry/Product Exam

Series 11

Date: 5/12/1994

Assistant Representative-Order Processing Qualification Exam

Current Firm

THE RETIREMENT GUYS FORMULA

CRD#: 168561 / SEC#: 801-119086

RIA

Registered Investment Advisory firm - (7/20/2020 Approved)

Michigan

Registered Investment Advisory firm - (7/23/2020 Terminated)

Ohio

Registered Investment Advisory firm - (7/23/2020 Terminated)

Pennsylvania

Registered Investment Advisory firm - (7/24/2020 Terminated)

South Carolina

Registered Investment Advisory firm - (7/22/2020 Terminated)

Texas

Registered Investment Advisory firm - (7/22/2020 Terminated)

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Contact information

Main Address

1700 Woodlands Drive, Maumee, OH 43537

Mailing Address

Phone number

(419) 842-0550

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (10 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

RGF ADV PART 2A BROCHURE (2/13/2026)

Regulatory assets under management

Total Number of Accounts	1,861
AUM (Assets Under Management)	$ 276,913,975

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

Ruthann M. Montaine

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary)

Certified licenses

Experience

THE RETIREMENT GUYS FORMULA

PEAK BROKERAGE SERVICES, LLC

MML INVESTORS SERVICES, LLC

NORTHWESTERN MUTUAL INVESTMENT SERVICES, LLC

MORGAN STANLEY

MORGAN STANLEY

AMERIPRISE FINANCIAL SERVICES, LLC

AMERIPRISE FINANCIAL SERVICES, LLC

MML INVESTORS SERVICES, LLC

MML INVESTORS SERVICES, LLC

WRP INVESTMENTS, INC.

MPM WEALTH ADVISORS

VALIC FINANCIAL ADVISORS, INC.

VALIC FINANCIAL ADVISORS, INC.

KEYBANC CAPITAL MARKETS INC.

PRUDENTIAL EQUITY GROUP, LLC

KEYBANC CAPITAL MARKETS INC.

KEY INVESTMENTS INC.

SOCIETY INVESTMENTS, INC.

Primary Firm SEC Registration

THE RETIREMENT GUYS FORMULA

State Registrations and Notice Filings

Exams

Series 63

Date: 5/11/1995

SIE

Date: 10/1/2018

Series 7

Date: 2/13/1995

Series 11

Date: 5/12/1994

Current Firm

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Contact information

SEC notice filing (10 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

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TRUST BUT VERIFY

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