Michael J. Germain

STRATEGIC ADVISERS LLC

FOX RIVER GROVE, IL

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CRD#: 2184693

Professional summary

Michael J. Germain, who also goes by Michael James Germain, Mike Germain, is a registered financial advisor currently at STRATEGIC ADVISERS LLC located in Fox River Grove, Illinois and FIDELITY BROKERAGE SERVICES LLC located in Smithfield, Rhode Island.

Michael is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1992. Michael has worked at 14 firms and has passed the Series 66, Series 63, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Michael James Germain | Mike Germain

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) - RIA

Click below to view Michael J. Germain'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

March 31, 2025 - Present

STRATEGIC ADVISERS LLC

RIA

CRD#: 104555

FOX RIVER GROVE, IL

Current

September 17, 2021 - Present

FIDELITY BROKERAGE SERVICES LLC

Office #1: 900 Salem Street, Smithfield, RI 02917

CRD#: 7784

Smithfield, RI

Past

October 4, 2021 - March 31, 2025

FIDELITY PERSONAL AND WORKPLACE ADVISORS

RIA

CRD#: 288590

FOX RIVER GROVE, IL

Past

February 6, 2018 - July 9, 2021

ICAPITAL MARKETS LLC

CRD#: 118219

NEW YORK, NY

Past

September 6, 2016 - February 16, 2018

M. S. HOWELLS & CO.

CRD#: 104100

SCOTTSDALE, AZ

Past

October 17, 2012 - September 8, 2016

ARCHER DISTRIBUTORS, LLC

CRD#: 158961

OLNEY, MD

Past

May 22, 2008 - October 16, 2012

NORTHERN LIGHTS DISTRIBUTORS, LLC

CRD#: 126159

ELKHORN, NE

Past

October 6, 2005 - August 1, 2007

CHARLES SCHWAB & CO., INC.

CRD#: 5393

CHICAGO, IL

Past

July 23, 1999 - November 16, 2001

ALLIANCEBERNSTEIN INVESTMENTS, INC.

CRD#: 14549

NASHVILLE, TN

Past

October 7, 1997 - July 13, 1999

BOFA DISTRIBUTORS, INC.

CRD#: 30683

BOSTON, MA

Past

June 14, 1993 - December 31, 1997

IFMG SECURITIES, INC.

CRD#: 14416

PURCHASE, NY

Past

October 14, 1992 - March 19, 1993

WATERSTONE FINANCIAL GROUP, INC.

CRD#: 10078

BOSTON, MA

Past

June 15, 1992 - October 7, 1992

IDS LIFE INSURANCE COMPANY

CRD#: 6321

MINNEAPOLIS, MN

Past

June 15, 1992 - October 7, 1992

AMERIPRISE FINANCIAL SERVICES, LLC

CRD#: 6363

MINNEAPOLIS, MN

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".

STRATEGIC ADVISERS LLC

CRD#: 104555 / SEC#: 801-13243

RIA

Registered Investment Advisory firm - (8/11/1977 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

Alabama
(9/17/2021)

Alaska
(9/17/2021)

Arizona
(9/17/2021)

Arkansas
(9/17/2021)

California
(9/17/2021)

Colorado
(9/17/2021)

Connecticut
(9/17/2021)

Delaware
(9/17/2021)

District of Columbia
(9/17/2021)

Florida
(9/17/2021)

Georgia
(9/17/2021)

Hawaii
(9/17/2021)

Idaho
(9/17/2021)

Illinois
(9/17/2021)

IAR

Illinois
(3/31/2025)

Indiana
(9/17/2021)

Iowa
(9/17/2021)

Kansas
(9/17/2021)

Kentucky
(9/17/2021)

Louisiana
(9/17/2021)

Maine
(9/17/2021)

Maryland
(9/17/2021)

Massachusetts
(9/17/2021)

Michigan
(9/17/2021)

Minnesota
(9/17/2021)

Mississippi
(9/17/2021)

Missouri
(9/17/2021)

Montana
(9/17/2021)

Nebraska
(9/17/2021)

Nevada
(9/17/2021)

New Hampshire
(9/17/2021)

New Jersey
(9/17/2021)

New Mexico
(9/17/2021)

New York
(9/17/2021)

North Carolina
(9/17/2021)

North Dakota
(9/17/2021)

Ohio
(9/20/2021)

Oklahoma
(9/17/2021)

Oregon
(9/17/2021)

Pennsylvania
(9/17/2021)

Puerto Rico
(9/17/2021)

Rhode Island
(9/17/2021)

South Carolina
(9/17/2021)

South Dakota
(9/17/2021)

Tennessee
(9/17/2021)

Texas
(9/17/2021)

IAR

Texas
(3/31/2025)

Utah
(9/17/2021)

Vermont
(9/17/2021)

Virginia
(9/17/2021)

Washington
(9/17/2021)

West Virginia
(9/17/2021)

Wisconsin
(9/17/2021)

IAR

Wisconsin
(3/31/2025)

Wyoming
(9/17/2021)

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 66

Date: 9/29/2021

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 10/21/2005

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: 9/16/2005

General Securities Representative Examination

SRO Registrations

FINRA

SRO Registrations

New York Stock Exchange

Current Firm

STRATEGIC ADVISERS LLC

CRD#: 104555 / SEC#: 801-13243

RIA

Registered Investment Advisory firm - (8/11/1977 Approved)

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Contact information

Main Address

155 Seaport Blvd, Boston, MA 02210-2698

Mailing Address

Phone number

(617) 563-7000

Established

Firm type

Fiscal year end

# of Employees

16,291

SEC notice filing (52 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

FIDELITY GO (12/5/2025)

FIDELITY STRATEGIC DISCIPLINES (11/10/2025)

FIDELITY WEALTH SERVICES (9/10/2025)

STRATEGIC ADVISERS LLC (9/10/2025)

FIDELITY MANAGED FIDFOLIOS (3/31/2025)

FIDELITY WEALTH ADVISOR SOLUTIONS (3/31/2025)

FIDELITY PERSONALIZED PLANNING & ADVICE AT WORK (3/31/2025)

Regulatory assets under management

Total Number of Accounts	2,486,631
AUM (Assets Under Management)	$ 1,067,664,605,590

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
09/24/2025	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

Michael J. Germain

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michael J. Germain's CRS (Customer Relationship Summary).

Certified licenses

Experience

FIDELITY BROKERAGE SERVICES LLC

FIDELITY PERSONAL AND WORKPLACE ADVISORS

ICAPITAL MARKETS LLC

M. S. HOWELLS & CO.

ARCHER DISTRIBUTORS, LLC

NORTHERN LIGHTS DISTRIBUTORS, LLC

CHARLES SCHWAB & CO., INC.

ALLIANCEBERNSTEIN INVESTMENTS, INC.

BOFA DISTRIBUTORS, INC.

IFMG SECURITIES, INC.

WATERSTONE FINANCIAL GROUP, INC.

IDS LIFE INSURANCE COMPANY

AMERIPRISE FINANCIAL SERVICES, LLC

Primary Firm SEC Registration

STRATEGIC ADVISERS LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 9/29/2021

Series 63

Date: 10/21/2005

SIE

Date: 10/1/2018

Series 7

Date: 9/16/2005

FINRA

New York Stock Exchange

Current Firm

STRATEGIC ADVISERS LLC

Contact information

SEC notice filing (52 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

STRATEGIC ADVISERS LLC

TRUST BUT VERIFY

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