Michael G. Santoro

RETIREMENT CONSULTANTS

Tucson, AZ 85755

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CRD#: 2045570

Professional summary

Michael Gerard Santoro, AIF®, who also goes by Mike Gerard Santoro, is a registered financial advisor currently at RETIREMENT CONSULTANTS, INC. located in Tucson, Arizona and BALBOA WEALTH PARTNERS, INC. located in Scottsdale, Arizona.

Michael is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1990. Michael has worked at 15 firms and has passed the Series 66, Series 63, SIE, Series 7, Series 6 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Mike Gerard Santoro

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) Licensed Insurance Agent; Investment-related; Same address; Insurance sales; Implementation of insurance recommendations; Approx. 10% of time during the month. 2) On a temporary and transitional basis, Mr. Santoro will be dually registered as an investment advisor representative with Retirement Consultants, Inc. ("Retirement Consultants") and Balboa Wealth Partners, Inc. ("Balboa"). Retirement Consultants and Balboa are not affiliated entities. Following the transition of clients, this dual affiliation will cease.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michael Gerard Santoro'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®

AIF^®

Accredited Investment Fiduciary

Experience

Current

September 18, 2019 - Present

RETIREMENT CONSULTANTS, INC.

Office #1: 1846 E. Innovation Park Drive, Tucson, AZ 85755

RIA

CRD#: 300343

Tucson, AZ

Current

November 14, 2025 - Present

BALBOA WEALTH PARTNERS, INC.

Office #1: 6263 North Scottsdale Road Suite 265, Scottsdale, AZ 85250

RIA

CRD#: 282329

Scottsdale, AZ

Past

June 20, 2019 - May 14, 2020

CLOUT INC. ADVISORS

RIA

CRD#: 153396

Tucson, AZ

Past

July 31, 2014 - May 31, 2019

CETERA ADVISORS LLC

RIA

CRD#: 10299

SCOTTSDALE, AZ

Past

July 29, 2014 - May 31, 2019

CETERA ADVISORS LLC

CRD#: 10299

SCOTTSDALE, AZ

Past

January 18, 2013 - August 1, 2014

OSAIC SERVICES, INC.

RIA

CRD#: 133763

TUCSON, AZ

Past

December 17, 2012 - August 1, 2014

OSAIC SERVICES, INC.

CRD#: 133763

TUCSON, AZ

Past

August 29, 2006 - December 20, 2012

LPL FINANCIAL LLC

RIA

CRD#: 6413

TUCSON, AZ

Past

August 29, 2006 - December 20, 2012

LPL FINANCIAL LLC

CRD#: 6413

TUCSON, AZ

Past

December 11, 2002 - October 17, 2006

OSAIC WEALTH, INC.

RIA

CRD#: 23131

MESA, AZ

Past

September 11, 2002 - October 17, 2006

OSAIC WEALTH, INC.

CRD#: 23131

MESA, AZ

Past

August 20, 1999 - September 18, 2002

PIPER SANDLER & CO.

CRD#: 665

MINNEAPOLIS, MN

Past

January 22, 1996 - August 27, 1999

UBS FINANCIAL SERVICES INC.

CRD#: 8174

WEEHAWKEN, NJ

Past

December 10, 1993 - February 22, 1996

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

CRD#: 2580

FORT WAYNE, IN

Past

December 10, 1993 - February 22, 1996

OSAIC FA, INC.

CRD#: 3978

FORT WAYNE, IN

Past

June 7, 1993 - December 14, 1993

WS GRIFFITH SECURITIES, INC.

CRD#: 10410

HARTFORD, CT

Past

October 6, 1992 - June 7, 1993

VP DISTRIBUTORS LLC

CRD#: 3036

HARTFORD, CT

Past

May 10, 1990 - October 14, 1992

THE PRUDENTIAL INSURANCE COMPANY OF AMERICA

CRD#: 680

NEWARK, NJ

Past

May 10, 1990 - October 14, 1992

PRUCO SECURITIES, LLC.

CRD#: 5685

NEWARK, NJ

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".

BALBOA WEALTH PARTNERS, INC.

CRD#: 282329 / SEC#: 801-107029

RIA

Registered Investment Advisory firm - (12/11/2015 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.

Highlighted states indicate IAR registrations

IAR

Arizona
(9/18/2019)

IAR

New Mexico
(1/31/2024)

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.

Exams

State Security Law Exam

IAR

Series 66

Date: 11/7/2002

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 5/17/1990

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: 3/26/1996

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 5/8/1990

Investment Company Products/Variable Contracts Representative Examination

Principal/Supervisory Exam

Series 24

Date: 3/29/2004

General Securities Principal Examination

Current Firm

BALBOA WEALTH PARTNERS, INC.

CRD#: 282329 / SEC#: 801-107029

RIA

Registered Investment Advisory firm - (12/11/2015 Approved)

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Contact information

Main Address

6263 North Scottsdale Road Suite 265, Scottsdale, AZ 85250

Mailing Address

Phone number

(949) 445-1465

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (17 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

FORM ADV PART 2A APP 1 - WRAP FEE BROCHURE (7/18/2025)

FORM ADV PART 2A (7/18/2025)

Regulatory assets under management

Total Number of Accounts	2,068
AUM (Assets Under Management)	$ 804,833,455

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

Michael G. Santoro

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michael Gerard Santoro's CRS (Customer Relationship Summary).

Certified licenses

Experience

BALBOA WEALTH PARTNERS, INC.

CLOUT INC. ADVISORS

CETERA ADVISORS LLC

CETERA ADVISORS LLC

OSAIC SERVICES, INC.

OSAIC SERVICES, INC.

LPL FINANCIAL LLC

LPL FINANCIAL LLC

OSAIC WEALTH, INC.

OSAIC WEALTH, INC.

PIPER SANDLER & CO.

UBS FINANCIAL SERVICES INC.

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

OSAIC FA, INC.

WS GRIFFITH SECURITIES, INC.

VP DISTRIBUTORS LLC

THE PRUDENTIAL INSURANCE COMPANY OF AMERICA

PRUCO SECURITIES, LLC.

Primary Firm SEC Registration

BALBOA WEALTH PARTNERS, INC.

State Registrations and Notice Filings

Exams

Series 66

Date: 11/7/2002

Series 63

Date: 5/17/1990

SIE

Date: 10/1/2018

Series 7

Date: 3/26/1996

Series 6

Date: 5/8/1990

Series 24

Date: 3/29/2004

Current Firm

BALBOA WEALTH PARTNERS, INC.

Contact information

SEC notice filing (17 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

BALBOA WEALTH PARTNERS, INC.

TRUST BUT VERIFY

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