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Michael Bratsztein

SCHWAB WEALTH ADVISORY
Riverview, FL
Some features on this profile are disabled
CRD#: 2354532
MB

Professional summary

Michael Bratsztein, CFP®, who also goes by Michael (none) Bratsztein, Michael None Bratsztein, is a registered financial advisor currently at SCHWAB WEALTH ADVISORY, INC. located in Riverview, Florida and CHARLES SCHWAB & CO., INC. located in Orlando, Florida.

Michael is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1993. Michael has worked at 7 firms and has passed the Series 66, Series 65, Series 63, SIE, Series 31, Series 7, Series 10, Series 9 and Series 8 exams.

top-8-questions

Question & Answer

Are you a "fiduciary"?
Yes

Aliases

Michael (none) Bratsztein | Michael None Bratsztein

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 Bratsztein'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

Experience

Current

January 27, 2021 - Present

SCHWAB WEALTH ADVISORY, INC.

RIA
CRD#: 159035
Riverview, FL
Current

May 23, 2020 - Present

CHARLES SCHWAB & CO., INC.

Office #1: 1991 Summit Park Drive, Orlando, FL 32810
RIA
BD
CRD#: 5393
Orlando, FL
Past

May 28, 2020 - January 29, 2021

CHARLES SCHWAB & CO., INC.

RIA
CRD#: 5393
Temple Terrace, FL
Past

January 8, 2018 - May 24, 2020

USAA INVESTMENT SERVICES COMPANY

RIA
CRD#: 5475
SAN ANTONIO, TX
Past

January 4, 2010 - January 8, 2018

USAA FINANCIAL PLANNING SERVICES

RIA
CRD#: 106352
Tampa, FL
Past

December 16, 2009 - May 24, 2020

USAA FINANCIAL ADVISORS, INC.

BD
CRD#: 129035
Tampa, FL
Past

April 30, 2008 - November 11, 2009

TRUIST INVESTMENT SERVICES, INC.

RIA
CRD#: 17499
LAKELAND, FL
Past

April 23, 2008 - November 11, 2009

TRUIST INVESTMENT SERVICES, INC.

BD
CRD#: 17499
LAKELAND, FL
Past

October 1, 2007 - January 9, 2008

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

RIA
CRD#: 7691
JACKSONVILLE, FL
Past

September 27, 2007 - January 9, 2008

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

BD
CRD#: 7691
JACKSONVILLE, FL
Past

August 29, 2007 - September 4, 2007

CHARLES SCHWAB & CO., INC.

RIA
CRD#: 5393
ORLANDO, FL
Past

November 20, 1995 - September 4, 2007

CHARLES SCHWAB & CO., INC.

BD
CRD#: 5393
ORLANDO, FL
Past

July 8, 1993 - November 14, 1995

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

BD
CRD#: 7691
NEW YORK, 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".
SW
SCHWAB WEALTH ADVISORY, INC.
SCHWAB PRIVATE CLIENT INVESTMENT ADVISORY, INC. | SCHWAB WEALTH ADVISORY, INC.

CRD#: 159035 / SEC#: 801-72795

RIA
Registered Investment Advisory firm - (12/9/2011 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 them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

RR
California
(5/26/2020)
RR
Connecticut
(5/26/2020)
RR
Florida
(5/26/2020)
IAR
Florida
(1/27/2021)
RR
Georgia
(5/26/2020)
RR
Illinois
(5/26/2020)
RR
Iowa
(5/26/2020)
RR
Maine
(5/26/2020)
RR
Maryland
(5/26/2020)
RR
Massachusetts
(5/26/2020)
RR
Minnesota
(5/26/2020)
RR
Nevada
(5/26/2020)
RR
New Hampshire
(5/26/2020)
RR
New Jersey
(5/26/2020)
RR
New York
(5/26/2020)
RR
North Carolina
(5/26/2020)
RR
Ohio
(5/26/2020)
RR
Pennsylvania
(5/26/2020)
RR
Rhode Island
(5/26/2020)
RR
South Carolina
(5/26/2020)
RR
Texas
(5/26/2020)
IAR
Texas
(2/8/2021)
RR
Vermont
(2/21/2024)
RR
Virginia
(5/26/2020)
RR
Washington
(5/26/2020)

Exams

State Security Law Exam
RR
IAR
Series 66
Date: 8/24/2007
Uniform Combined State Law Examination
State Security Law Exam
IAR
Series 65
Date: 7/2/1993
Uniform Investment Adviser Law Examination
State Security Law Exam
RR
Series 63
Date: 7/2/1993
Uniform Securities Agent State Law Examination
General Industry/Product Exam
RR
SIE
Date: 10/1/2018
Securities Industry Essentials Examination
General Industry/Product Exam
RR
Series 31
Date: 2/6/1995
Futures Managed Funds Examination
General Industry/Product Exam
RR
Series 7
Date: 7/6/1993
General Securities Representative Examination
Principal/Supervisory Exam
RR
Series 10
Date: 1/2/2023
General Securities Sales Supervisor - General Module Examination
Principal/Supervisory Exam
RR
Series 9
Date: 1/2/2023
General Securities Sales Supervisor - Options Module Examination
Principal/Supervisory Exam
RR
Series 8
Date: 3/6/1996
General Securities Sales Supervisor Examination (Options Module & General Module)
SRO Registrations
RR
FINRA
SRO Registrations
RR
Nasdaq Stock Market

Current Firm

SW
SCHWAB WEALTH ADVISORY, INC.
SCHWAB PRIVATE CLIENT INVESTMENT ADVISORY, INC. | SCHWAB WEALTH ADVISORY, INC.

CRD#: 159035 / SEC#: 801-72795

RIA
Registered Investment Advisory firm - (12/9/2011 Approved)
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Contact information

Main Address
211 Main Street, San Francisco, CA 94105-1901
Mailing Address
Phone number
(415) 667-7000
Established
Firm type
Fiscal year end
# of Employees
1,042

SEC notice filing (53 States and Territories)

Blank US states mapAlaskaHawaiiAlabamaArkansasArizonaCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWisconsinWest VirginiaWyoming

Documents

Customer Relationship Summary (CRS / SEC)Latest Form ADV

Part 2 Brochures

SCHWAB WEALTH ADVISORY, INC. DISCLOSURE BROCHURE (9/23/2025)

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.

Company Information

SCHWAB WEALTH ADVISORY, INC.

CRD#: 159035Riverview, FL

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