Michelle L. Fletcher

CEDAR SPRING ADVISORS

Lancaster, PA

Some features on this profile are disabled

CRD#: 2057964

Professional summary

Michelle Lacoste Fletcher, CFP®, who also goes by Michelle Ann Lacoste, is a registered financial advisor currently at CEDAR SPRING ADVISORS, LLC located in Lancaster, Pennsylvania.

Michelle is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1990. Michelle has worked at 6 firms and has passed the Series 65, Series 63, SIE, Series 7 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Michelle Ann Lacoste

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.

Fletch Financial - VARIOUS FIXED INSURANCE COMPANIES; 2939 SPRING VALLEY RD, LANCASTER, PA, SELLING FIXED INSURANCE PRODUCTS, INSURANCE AGENT, 06/2011, 40 HPM/32 HPM DURING TRADING. 2) RENTAL PROPERTY, YES INVESTMENT RELATED, 2939 SPRING VALLEY ROAD LANCASTER PA 17601, RENTAL PROPERTY INCOME, LANDLORD, START DATE 11-01-2000, TWO RENTAL PROPERTIES, 1 HPM, 0 HRS TRADING.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michelle Lacoste Fletcher'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®

CFP^®

Certified Financial Planner

Start date: 1990

Experience

Current

October 20, 2017 - Present

CEDAR SPRING ADVISORS, LLC

RIA

CRD#: 289329

Lancaster, PA

Past

April 7, 2010 - October 23, 2017

INVEST FINANCIAL CORPORATION

RIA

CRD#: 12984

LANCASTER, PA

Past

September 11, 2007 - October 23, 2017

INVEST FINANCIAL CORPORATION

CRD#: 12984

LANCASTER, PA

Past

July 16, 2002 - September 17, 2007

CETERA WEALTH SERVICES, LLC

RIA

CRD#: 13572

EAST PETERSBURG, PA

Past

January 25, 1999 - December 31, 2008

FINANCIAL NETWORK ADVISORY INC.

RIA

CRD#: 117640

EAST PETERSBURG, PA

Past

July 20, 1998 - September 17, 2007

CETERA WEALTH SERVICES, LLC

CRD#: 13572

EAST PETERSBURG, PA

Past

May 2, 1994 - July 29, 1998

HOPPER SOLIDAY & CO., INC.

CRD#: 20838

LANCASTER, PA

Past

May 22, 1990 - September 9, 1991

MUTUAL SERVICE CORPORATION

CRD#: 4806

BOSTON, 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".

CEDAR SPRING ADVISORS, LLC

CRD#: 289329 / SEC#: 801-127474

RIA

Registered Investment Advisory firm - (3/16/2023 Approved)

Florida

Registered Investment Advisory firm - (3/17/2023 Terminated)

Maryland

Registered Investment Advisory firm - (4/12/2023 Terminated)

Michigan

Registered Investment Advisory firm - (4/5/2023 Terminated)

Pennsylvania

Registered Investment Advisory firm - (3/21/2023 Terminated)

Texas

Registered Investment Advisory firm - (3/17/2023 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.

Highlighted states indicate IAR registrations

IAR

Pennsylvania
(10/20/2017)

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 65

Date: 10/6/1998

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 5/6/1994

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/23/2017

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 5/19/1990

General Securities Representative Examination

Principal/Supervisory Exam

Series 24

Date: 3/23/1994

General Securities Principal Examination

Current Firm

CEDAR SPRING ADVISORS, LLC

CRD#: 289329 / SEC#: 801-127474

RIA

Registered Investment Advisory firm - (3/16/2023 Approved)

Florida

Registered Investment Advisory firm - (3/17/2023 Terminated)

Maryland

Registered Investment Advisory firm - (4/12/2023 Terminated)

Michigan

Registered Investment Advisory firm - (4/5/2023 Terminated)

Pennsylvania

Registered Investment Advisory firm - (3/21/2023 Terminated)

Texas

Registered Investment Advisory firm - (3/17/2023 Terminated)

Upgrade to AdvisorCheck Premium

Get A Biweekly Pulse, AutomaticallyReceive biweekly alerts automatically. Stay informed and proactive.

Catch Firm-Level Red Flags SoonerCatch leadership changes and disclosures early, before issues escalate.

See Trends. Not Just SnapshotsMonitor firm stability metrics like AUM and advisor ratios over time.

Contact information

Main Address

Lancaster, PA

Mailing Address

Phone number

(717) 224-1238

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (8 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

ADV PART 2B BRENDON WORST (1/29/2025)

ADV2A-2B SEC (1/29/2025)

FORM ADV2B - ROBERT RAGO (1/29/2025)

Regulatory assets under management

Total Number of Accounts	737
AUM (Assets Under Management)	$ 139,398,193

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.

Similar Advisors

Stephen Zahka

EDWARD JONES

IAR

Marlborough, MA

Marshall Rosen

OSAIC WEALTH, INC.

IAR

Fort Lauderdale, FL

Frank Moore

UBS FINANCIAL SERVICES INC.

IAR

Greenwich, CT

We're Here To Help

Advisor Monitoring

Firm Stability Insights

Michelle L. Fletcher

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michelle Lacoste Fletcher's CRS (Customer Relationship Summary).

Certified licenses

Experience

INVEST FINANCIAL CORPORATION

INVEST FINANCIAL CORPORATION

CETERA WEALTH SERVICES, LLC

FINANCIAL NETWORK ADVISORY INC.

CETERA WEALTH SERVICES, LLC

HOPPER SOLIDAY & CO., INC.

MUTUAL SERVICE CORPORATION

Primary Firm SEC Registration

CEDAR SPRING ADVISORS, LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 10/6/1998

Series 63

Date: 5/6/1994

SIE

Date: 10/23/2017

Series 7

Date: 5/19/1990

Series 24

Date: 3/23/1994

Current Firm

CEDAR SPRING ADVISORS, LLC

Contact information

SEC notice filing (8 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

CEDAR SPRING ADVISORS, LLC

TRUST BUT VERIFY

Similar Advisors