Bernard E. Carter
FRAGASSO FINANCIAL ADVISORS | Managing Director, Investments | Wealth Advisor
Sewickley, PA 15143
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CRD#: 2269889
Professional summary
Bernard Elwood Carter JR, CFP®, who also goes by Beernard Elwood Carter Jr, is a registered financial advisor currently at FRAGASSO FINANCIAL ADVISORS located in Sewickley, Pennsylvania.
Bernard is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1992. Bernard has worked at 5 firms and has passed the Series 66, Series 63, SIE, Series 7 and Series 31 exams.
Biography
As head of the H&A Investment Committee, Bernard leads the firm’s investment and portfolio management disciplines. He is responsible for the design and due diligence of the firm’s investment strategies, including asset allocation, risk management, and security selection.
Since joining the firm in 2012, Bernard has held several investment-related roles, including Investment Strategist. Bernard believes that every client should have a clear understanding of how their assets are invested, as well as the exact role their investment portfolio plays within their overall financial plan.
Bernard has more than 20 years of financial industry experience, including 13 years as a financial advisor at Morgan Stanley.
He earned a Bachelor of Arts in Accounting from Washington and Jefferson College. He holds the Chartered Financial Analyst designation and is a member of the CFA® Society of Pittsburgh. He also holds a Certified Financial Planner (CFP®) designation.
Question & Answer
Are you a "fiduciary"?
Yes
Aliases
Beernard Elwood Carter Jr
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) 01/06/2014 - HAPANOWICZ & ASSOCIATES FINANICAL SERVICES - Investment Related - At Reported Business Location(s) - DBA FOR LPL BUSINESS (ENTITY FOR LPL BUSINESS).
(2) 10/20/2014 - HAPANOWICZ & ASSOCIATES FINANCIAL SERVICES, INC - Investment Related - At Reported Business Location(s) - REGISTERED INVESTMENT ADVISOR HYBRID - IAR - Started 09/15/2014 - 160 Hours Per Month During Securities Trading.
(3) 11/25/2014 - HAPANOWICZ & ASSOCIATES FINANCIAL SERVICES, INC. - Investment Related - At Reported Business Location(s) - REGISTERED INVESTMENT ADVISOR DBA - IAR - Started 10/01/2014 - 50 Hours Per Month/100 Hours During Securities Trading.
(4) 11/25/2014 - HAPANOWICZ & ASSOCIATES FINANCIAL SERVICES, INC. - DBA: Hapanowicz and Associates - Investment Related - At Reported Business Location(s) - REGISTERED INVESTMENT ADVISOR DBA - IAR - Started 10/01/2014 - 50 Hours Per Month During Securities Trading.
(5) 11/25/2014 - HAPANOWICZ & ASSOCIATES FINANCIAL SERVICES, INC. - DBA: H&A WEALTH ADVISORS - Investment Related - At Reported Business Location(s) - REGISTERED INVESTMENT ADVISOR DBA - IAR - Started 10/01/2014 - 50 Hours Per Month During Securities Trading.
(6) 11/25/2014 - HAPANOWICZ & ASSOCIATES FINANCIAL SERVICES, INC. - DBA: H&A RETIREMENT ADVISORS - Investment Related - At Reported Business Location(s) - REGISTERED INVESTMENT ADVISOR DBA - IAR - 50 Hours Per Month During Securities Trading.
(7) 12/2/2014 - HAPANOWICZ & ASSOCIATES - Investment Related - At Reported Business Location(s) - DBA FOR LPL BUSINESS (ENTITY FOR LPL BUSINESS) - Started 11/24/2014 - 40 Hours Per Month During Securities Trading.
(8) 3/28/2018 - Hapanowicz & Associates Financial Services, Inc. - Investment Related - At Reported Business Location(s) - Registered Investment Advisor DBA - Started 03/23/2018 - 150 Hours Per Month During Securities Trading - I provide investment advisory services through Hapanowicz & Associates Financial Services, Inc., an independent investment advisor firm. I started this business activity in March 2018. I expect to spend approximately 150 hours per month on this activity. Please see the advisory firm's Form ADV for more information about its address, the nature of its business, its owners, and its services at http://www.adviserinfo.sec.gov/IAPD. The firm is separate from and independent of LPL Financial.
(9) 3/28/2018 - Hapanowicz & Associates Financial Services, Inc. - DBA: H & A Wealth Advisors - Investment Related - At Reported Business Location(s) - Registered Investment Advisor Hybrid - Started 03/23/2018 - 40 Hours Per Month During Securities Trading - I provide investment advisory services through Hapanowicz & Associates Financial Services, Inc., an independent investment advisor firm. I started this business activity in March 2018. I expect to spend approximately 40 hours per month on this activity. Please see the advisory firm's Form ADV for more information about its address, the nature of its business, its owners, and its services at http://www.adviserinfo.sec.gov/IAPD. The firm is separate from and independent of LPL Financial.
(10) 12/20/2018 - H&A Investment and Wealth Management - Investment Related - At Reported Business Location(s) - DBA for LPL Business (entity for LPL business) - Start Date: 12/01/2018 - 150 Hours Per Month/7 Hours During Securities Trading.
(11) 2/1/2019 - Hapanowicz & Associates Financial Services, Inc. - DBA: H&A Wealth Management - Investment Related - At Reported Business Location(s) - DBA for LPL Business (entity for LPL business) - Start Date: 02/01/2019 - 150 Hours Per Month/7 Hours During Securities Trading.
(12) 2/1/2019 - Hapanowicz & Associates Financial Services, Inc. - DBA: Hapanowicz & Associates Wealth Management - Investment Related - At Reported Business Location(s) - DBA for LPL Business (entity for LPL business) - Start Date: 02/01/2019 - 150 Hours Per Month/7 Hours During Securities Trading.
CRS (Client Relationship Summary) - RIA
Click below to view Bernard Elwood Carter JR's 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®
Experience
Current
June 24, 2025 - Present
FRAGASSO FINANCIAL ADVISORS
Office #1: 2200 Georgetown Drive Suite 302, Sewickley, PA 15143RIA
CRD#: 123255
Sewickley, PA
Past
October 9, 2014 - January 29, 2025
HAPANOWICZ FINANCIAL
RIA
CRD#: 157523
PITTSBURGH, PA
Past
July 23, 2013 - October 30, 2015
LPL FINANCIAL LLC
RIA
CRD#: 6413
PITTSBURGH, PA
Past
June 21, 2013 - April 17, 2025
LPL FINANCIAL LLC
BD
CRD#: 6413
PITTSBURGH, PA
Past
August 24, 2005 - September 23, 2005
JANNEY MONTGOMERY SCOTT LLC
BD
CRD#: 463
PHILADELPHIA, PA
Past
September 15, 1992 - August 29, 2005
MORGAN STANLEY DW INC.
BD
CRD#: 7556
PURCHASE, NY
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".
FRAGASSO FINANCIAL ADVISORS
CARTER CAPITAL STRATEGIES | THE INVESTMENT ADVISORY GROUP | THE FRAGASSO GROUP INC. | SUTHERLAND WEALTH MANAGEMENT | FRAGASSO RETIREMENT PLAN ADVISORS | FRAGASSO NONPROFIT INVESTMENT ADVISORS | FRAGASSO INVESTMENT ADVISORS | FRAGASSO FINANCIAL ADVISORS INC. | FRAGASSO FINANCIAL ADVISORS | DANKO FINANCIAL LLC
CRD#: 123255 / SEC#: 801-77097
RIA
Registered Investment Advisory firm - (9/12/2012 Approved)Pennsylvania
Registered Investment Advisory firm - (9/19/2012 Terminated)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(6/24/2025)
Exams
State Security Law Exam
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
Current Firm
FRAGASSO FINANCIAL ADVISORS
CARTER CAPITAL STRATEGIES | THE INVESTMENT ADVISORY GROUP | THE FRAGASSO GROUP INC. | SUTHERLAND WEALTH MANAGEMENT | FRAGASSO RETIREMENT PLAN ADVISORS | FRAGASSO NONPROFIT INVESTMENT ADVISORS | FRAGASSO INVESTMENT ADVISORS | FRAGASSO FINANCIAL ADVISORS INC. | FRAGASSO FINANCIAL ADVISORS | DANKO FINANCIAL LLC
CRD#: 123255 / SEC#: 801-77097
RIA
Registered Investment Advisory firm - (9/12/2012 Approved)Pennsylvania
Registered Investment Advisory firm - (9/19/2012 Terminated)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
2200 Georgetown Drive Suite 302, Sewickley, PA 15143
Mailing Address
Phone number
(412) 227-3200
Established
Firm type
Fiscal year end
# of Employees
35
SEC notice filing (26 States and Territories)
Documents
Regulatory assets under management
| Total Number of Accounts | 5,442 |
| AUM (Assets Under Management) | $ 2,422,371,738 |
Red Flags
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Company Information
FRAGASSO FINANCIAL ADVISORS
Managing Director, Investments | Wealth AdvisorCRD#: 123255Sewickley, PA 15143TRUST BUT VERIFY
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Contact information
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