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David Michael Kover

David Michael Kover

CFP®
ONEDIGITAL
CHICAGO, IL
·CRD# 1854836·38 years experience

Professional Summary

David Michael Kover, CFP®, who also goes by David Kover, is a registered financial advisor currently at ONEDIGITAL located in Chicago, Illinois and OSAIC WEALTH, INC. located in Bonita Springs, Florida. David is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1988. David has worked at 13 firms and has passed the Series 65, Series 63, SIE, Series 7, Series 4 and Series 24 exams.

At a Glance

Advisory Accounts Only

Fiduciary Standard

Fee Structure

Account Minimum

Active Clients

Fiduciary Standard

Fee Structure

Account Minimum

Active Clients

Other Aliases

David Kover

Blog Corner

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Contact Information

This advisor has not claimed their profile yet, so there is no contact information to display at this time.

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Disclosures are events reported to regulators, such as customer disputes, regulatory actions, employment separations, or financial events. Some are resolved, denied, or contested — a disclosure is not a verdict. We recommend asking an advisor directly about any disclosure on their record.

Disclosures on record.

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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Credentials

CFP®
Certified Financial PlannerSince 1997

Years of Experience

38 years in the financial services industry

Current & Past Employments

ONEDIGITAL·CRD# 106766
RIA
1. 8700 W. Bryn Mawr Avenue 9005, Chicago, IL 600312. 552 Vale Park Road #a, Valparaiso, IN 463853. Naples, FL4. 27200 Riverview Center Blvd 2nd Floor, Bonita Springs, FL 34134
April 13, 2018 - Present
OSAIC WEALTH, INC.·CRD# 23131
RIA
BD
27200 Riverview Center Blvd 2nd Floor, Bonita Springs, FL 34134
August 23, 2024 - Present
TRIAD ADVISORS LLC·CRD# 25803
BD
Naples, FL
April 16, 2018 - August 23, 2024
FIRST HEARTLAND CAPITAL, INC.·CRD# 32460
BD
Chicago, IL
July 30, 2001 - April 13, 2018
FIRST HEARTLAND CONSULTANTS, INC.·CRD# 110377
RIA
Valparaiso, IN
December 8, 1998 - April 13, 2018
MARQUIS FINANCIAL SERVICES, INC.·CRD# 20733
BD
Tarzana, CA
January 29, 1998 - August 8, 2001
PINNACLE FINANCIAL CONSULTANTS, INC.·CRD# 39640
BD
Valparaiso, IN
March 19, 1996 - January 22, 1998
INVEST FINANCIAL CORPORATION·CRD# 12984
BD
Appleton, WI
May 1, 1995 - April 1, 1996
FIRSTAR INVESTMENT SERVICES,INC.·CRD# 14536
BD
Morris Plains, NJ
March 15, 1995 - April 12, 1995
TRANSAMERICA FINANCIAL ADVISORS, INC.·CRD# 3600
BD
Los Angeles, CA
January 4, 1994 - April 28, 1995
FIRST COLONIAL INVESTMENT SERVICES, INC.·CRD# 26969
BD
Rosemont, IL
January 8, 1992 - April 18, 1995
AMERIPRISE ADVISOR SERVICES, INC.·CRD# 5979
BD
Detroit, MI
June 18, 1991 - September 23, 1991
LEHMAN BROTHERS INC.·CRD# 7506
BD
New York, NY
July 20, 1988 - July 3, 1991

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Allison M Moran

ONEAMERICA SECURITIES, INC.

Lincolnshire, IL · CRD#

Current Firm

ON
ONEDIGITAL

(K)RPG | WESTMINSTER CONSULTING | WEALTHSOURCE | VERTICAL FINANCIAL | TRIAD FINANCIAL ADVISORS | TIMESCALE FINANCIAL | THE PINNACLE PLANNING GROUP | TEROS ADVISORS | STRATEGIC RETIREMENT GROUP | STONESTREET EQUITY | SILICON VALLEY RETIREMENT SERVICES | SIGNATURE WEALTH MANAGEMENT GROUP | SHA RETIREMENT GROUP | SERVICE PLANNING CORPORATION | RETIREMENT PARTNER ADVISORS (RPA) | RETIREMENT BENEFITS GROUP | RESOURCES INVESTMENT ADVISORS, LLC | RESOURCES INVESTMENT ADVISORS INC | RESOURCES INVESTMENT ADVISORS | PROSPERITY FINANCIAL GROUP MIDWEST (PFG) | PRAXIS CONSULTING | PENSION INVESTMENT SERVICES, LLC | ONEDIGITAL RETIREMENT AND WEALTH | ONEDIGITAL INVESTMENT ADVISORS LLC | ONEDIGITAL INVESTMENT ADVISORS | ONEDIGITAL FINANCIAL SERVICES | ONEDIGITAL | MUNKEBY KRAMER | MONTGOMERY RETIREMENT PLAN ADVISORS | LEGACY ASSET MANAGEMENT | KZ WEALTH | KEYSTONE RETIREMENT & INSURANCE ADVISORS | KB FINANCIAL | JFL TOTAL WEALTH MANAGEMENT | IMPACT BENEFITS & RETIREMENT | HM CAPITAL MANAGEMENT | GROEBL BROTHERS | GOULDIN & MCCARTHY | GHC ASSOCIATES | GENERATIONS WEALTH PLANNING | FUTURE BENEFITS | FULCRUM PARTNERS | FLORIDA PENSION GROUP | FIDUCIARY PLAN ADVISORS | EAST MAIN STREET ADVISORS | DERSE MORGEN FINANCIAL ADVISORS | CLEARVIEW ADVISORY | CHEPENIK FINANCIAL | CAPSTONE ADVISORY GROUP | CAFARO GREENLEAF | BUKATY MORRIS RETIREMENT SERVICES | BUKATY MORRIS RETIREMENT PLAN SERVICES | BUKATY COMPANIES WEALTH MANAGEMENT | BUKATY COMPANIES RETIREMENT PLAN SERVICES | BUKATY COMPANIES O'RENICK WEALTH MANAGEMENT | BUKATY COMPANIES FINANCIAL SERVICES | ATLANTA RETIREMENT PARTNERS | ASI WEALTH MANAGEMENT | AREA FINANCIAL | ACT 2 RETIREMENT CONSULTING | 401K ADVISORS INTERMOUNTAIN | 401(K) RESOURCES | 401(K) ADVISORS INTERMOUNTAIN

CRD#: 106766 / SEC#: 801-40622
RIA
Registered Investment Advisory firm - SEC (1/22/1992 Approved)

Contact Information

Main Address

11101 Switzer Road Suite 200, Overland Park, KS 66210

Phone Number

(877) 742-2021

# of Employees

648

SEC notice filing (53 States and Territories)

Registered to provide investment advisory services in 53 US states and territories.

Documents

Customer Relationship Summary (CRS / SEC)Latest Form ADV

Part 2 Brochures

FORM ADV PART 2A - RETIREMENT PLAN SERVICES - 20260331 (4/1/2026)

Regulatory Assets Under Management

Total Number of Accounts

40,469

AUM (Assets Under Management)

$155,409,677,415

Accountant Surprise Examination Report

Filing DateForm ADV-E CoverForm ADV-E Report
09/28/2026Cover PageReport
12/22/2025Cover PageReport
02/27/2025Cover PageReport
08/27/2024Cover PageReport
10/16/2023Cover PageReport

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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) FPA of S.W. FL; investment related; professional association; Chair, Pro Bono Committee; 2011; 1 hr/month; 0 hrs during trading; organize and oversee pro bono financial planning efforts for the chapter, including coordination of volunteer activities and community outreach. 2) ONEDIGITAL INVESTMENT ADVISORS LLC ;investment related;11101 SWITZER ROAD SUITE 200 OVERLAND PARK KS 66210;RIA;IAR;4/2018;40 hrs/month;6.5 hrs during trading;investment adviser 3) HAMMOCK ISLES HOA; not investment related; 54636 Hammock Isles Dr Naples FL 34119; TREASURER; 2 HOURS/MONTH DEVOTED; 1 HOUR DURING SECURITIES TRADING HOURS; TREASURER OF HOA. 4) Vertical Financial Group LLC; investment related; 780 Fifth Ave South Suite 200, Naples FL 34102; shell company; 2015; 0 hrs/month; 0 hours during trading; all management and financial duties 5) David M Kover, LLC; investment related; 780 Fifth Ave South Suite 200, Naples FL 34102; shell company; 1998; 0 hrs/month; 0 hours during trading; all management and financial duties 6) DAVID KOVER, LLC POSITION: Presdent NATURE: Used for expenses for my advisory/financial planning business INVESTMENT RELATED: No NUMBER OF HOURS: 10 SECURITIES TRADING HOURS: 0 START DATE: 01/01/1998 ADDRESS: 780 Fifth Ave. S, #200, Naples FL 34102, United States DESCRIPTION: pay expenses 7) MODERN LIFE GROUP INC. POSITION: life agent NATURE: Insurance GA - case design work INVESTMENT RELATED: Yes NUMBER OF HOURS: 1 SECURITIES TRADING HOURS: 4 START DATE: 04/08/2026 ADDRESS: 475 Springfield Ave., Summit NJ 07901, United States DESCRIPTION: I utilize Modern Life for assistance in case design for life insurance cases.

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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".
ON
ONEDIGITAL

(K)RPG | WESTMINSTER CONSULTING | WEALTHSOURCE | VERTICAL FINANCIAL | TRIAD FINANCIAL ADVISORS | TIMESCALE FINANCIAL | THE PINNACLE PLANNING GROUP | TEROS ADVISORS | STRATEGIC RETIREMENT GROUP | STONESTREET EQUITY | SILICON VALLEY RETIREMENT SERVICES | SIGNATURE WEALTH MANAGEMENT GROUP | SHA RETIREMENT GROUP | SERVICE PLANNING CORPORATION | RETIREMENT PARTNER ADVISORS (RPA) | RETIREMENT BENEFITS GROUP | RESOURCES INVESTMENT ADVISORS, LLC | RESOURCES INVESTMENT ADVISORS INC | RESOURCES INVESTMENT ADVISORS | PROSPERITY FINANCIAL GROUP MIDWEST (PFG) | PRAXIS CONSULTING | PENSION INVESTMENT SERVICES, LLC | ONEDIGITAL RETIREMENT AND WEALTH | ONEDIGITAL INVESTMENT ADVISORS LLC | ONEDIGITAL INVESTMENT ADVISORS | ONEDIGITAL FINANCIAL SERVICES | ONEDIGITAL | MUNKEBY KRAMER | MONTGOMERY RETIREMENT PLAN ADVISORS | LEGACY ASSET MANAGEMENT | KZ WEALTH | KEYSTONE RETIREMENT & INSURANCE ADVISORS | KB FINANCIAL | JFL TOTAL WEALTH MANAGEMENT | IMPACT BENEFITS & RETIREMENT | HM CAPITAL MANAGEMENT | GROEBL BROTHERS | GOULDIN & MCCARTHY | GHC ASSOCIATES | GENERATIONS WEALTH PLANNING | FUTURE BENEFITS | FULCRUM PARTNERS | FLORIDA PENSION GROUP | FIDUCIARY PLAN ADVISORS | EAST MAIN STREET ADVISORS | DERSE MORGEN FINANCIAL ADVISORS | CLEARVIEW ADVISORY | CHEPENIK FINANCIAL | CAPSTONE ADVISORY GROUP | CAFARO GREENLEAF | BUKATY MORRIS RETIREMENT SERVICES | BUKATY MORRIS RETIREMENT PLAN SERVICES | BUKATY COMPANIES WEALTH MANAGEMENT | BUKATY COMPANIES RETIREMENT PLAN SERVICES | BUKATY COMPANIES O'RENICK WEALTH MANAGEMENT | BUKATY COMPANIES FINANCIAL SERVICES | ATLANTA RETIREMENT PARTNERS | ASI WEALTH MANAGEMENT | AREA FINANCIAL | ACT 2 RETIREMENT CONSULTING | 401K ADVISORS INTERMOUNTAIN | 401(K) RESOURCES | 401(K) ADVISORS INTERMOUNTAIN

CRD#: 106766 / SEC#: 801-40622
RIA
Registered Investment Advisory firm - SEC (1/22/1992 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 securities offerings such as stocks, bonds, and mutual funds through a broker-dealer.
RR
Arizona
(8/23/2024)
RR
California
(8/23/2024)
RR
Connecticut
(6/12/2025)
RR
Delaware
(8/23/2024)
RR
District of Columbia
(8/23/2024)
IAR
Florida
(6/15/2018)
RR
Florida
(8/23/2024)
IAR
Illinois
(4/13/2018)
RR
Illinois
(8/23/2024)
IAR
Indiana
(4/13/2018)
RR
Indiana
(8/23/2024)
RR
Maine
(8/23/2024)
RR
Maryland
(8/23/2024)
RR
Michigan
(8/23/2024)
RR
Minnesota
(12/16/2025)
RR
Ohio
(8/23/2024)
RR
Pennsylvania
(8/23/2024)
RR
Tennessee
(8/23/2024)
RR
Texas
(8/23/2024)
RR
Wisconsin
(8/23/2024)

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

Financial professionals may take different exams throughout their careers based on the types of services they provide and roles they perform.

Series 65 — Uniform Investment Adviser Law Examination

Passed Nov 1997About the Series 65 exam

Series 63 — Uniform Securities Agent State Law Examination

Passed Jul 1988About the Series 63 exam

SIE — Securities Industry Essentials Examination

Passed Oct 2018About the SIE exam

Series 7 — General Securities Representative Examination

Passed Jul 1988About the Series 7 exam

Series 4 — Registered Options Principal Examination

Passed Jan 1994About the Series 4 exam

Series 24 — General Securities Principal Examination

Passed Sep 1992About the Series 24 exam
FINRA
SRO Registrations

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CRS (Client Relationship Summary) - RIA

Click below to view David Michael Kover's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

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David Michael Kover
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