Denise M. Stephens

CETERA INVESTMENT ADVISERS LLC

MIAMI, FL

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CRD#: 2446419

Professional summary

Denise Margaret Stephens, CFP®, ChFC®, who also goes by Denise M Arias, Denise Margaret Johnson, Denise Margaret Johnson-stephens, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Miami, Florida and CETERA WEALTH SERVICES, LLC located in Miami, Florida.

Denise is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1994. Denise has worked at 6 firms and has passed the Series 63, SIE, Series 7 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Denise M Arias | Denise Margaret Johnson | Denise Margaret Johnson-Stephens

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) NAME OF ENTITY: Princeton Financial Services, Inc; Yes; 13301 SW 95 AVE; MIAMI; FL; 33176; DBA; owner; 4/1/1993; 160; 160; DBA for insurance and investments| 2) NAME OF ENTITY: INDEPENDENT INSURANCE AGENT; Yes; 13301 SW 95 AVE; MIAMI; FL; 33176; fixed insurance sales; INDEPENDENT INSURANCE AGENT; 3/6/2003; 160; 160; sales of fixed insurance products| 3) NAME OF ENTITY: All Dade Insurance Group; No; 7344 SW 48TH ST MIAMI; MIAMI; FL; 33155; DBA; P&C agent; 4/1/2011; 8; 8; Sales of property and casualty insurance|

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Denise Margaret Stephens'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: 2001

ChFC^®

Chartered Financial Consultant

Experience

Current

April 9, 2023 - Present

CETERA INVESTMENT ADVISERS LLC

RIA

CRD#: 105644

MIAMI, FL

Current

May 25, 2021 - Present

CETERA WEALTH SERVICES, LLC

CRD#: 13572

MIAMI, FL

Past

May 26, 2021 - June 29, 2023

CETERA WEALTH SERVICES, LLC

RIA

CRD#: 13572

EL SEGUNDO, CA

Past

January 1, 2004 - June 11, 2021

VOYA FINANCIAL ADVISORS, INC.

RIA

CRD#: 2882

MIAMI, FL

Past

January 1, 2004 - June 11, 2021

VOYA FINANCIAL ADVISORS, INC.

CRD#: 2882

MIAMI, FL

Past

March 11, 2003 - January 1, 2004

LOCUST STREET SECURITIES, INC.

RIA

CRD#: 1703

MIAMI, FL

Past

March 6, 2003 - January 1, 2004

LOCUST STREET SECURITIES, INC.

CRD#: 1703

DES MOINES, IA

Past

March 10, 1994 - March 5, 2003

FFP ADVISORY SERVICES INC

RIA

CRD#: 110778

MIAMI, FL

Past

January 28, 1994 - March 5, 2003

FFP SECURITIES, INC.

CRD#: 16337

CHESTERFIELD, MO

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".

CETERA INVESTMENT ADVISERS LLC

CRD#: 105644 / SEC#: 801-20406

RIA

Registered Investment Advisory firm - (1/13/1984 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

Florida
(5/25/2021)

IAR

Florida
(4/9/2023)

Georgia
(10/7/2024)

Maryland
(6/10/2021)

Michigan
(6/10/2021)

Pennsylvania
(6/10/2021)

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

Series 63

Date: 12/18/2001

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: 4/26/1999

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 1/27/1994

Investment Company Products/Variable Contracts Representative Examination

SRO Registrations

FINRA

Current Firm

CETERA INVESTMENT ADVISERS LLC

CRD#: 105644 / SEC#: 801-20406

RIA

Registered Investment Advisory firm - (1/13/1984 Approved)

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Contact information

Main Address

1450 American Lane 6th Floor, Suite 650, Schaumburg, IL 60173-2096

Mailing Address

Phone number

(310) 257-7880

Established

Firm type

Fiscal year end

# of Employees

7,705

SEC notice filing (53 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Regulatory assets under management

Total Number of Accounts	584,487
AUM (Assets Under Management)	$ 163,792,814,520

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
10/27/2025	Cover Page	Report
12/13/2024	Cover Page	Report
09/26/2023	Cover Page	Report
11/18/2022	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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Firm Stability Insights

Denise M. Stephens

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Denise Margaret Stephens's CRS (Customer Relationship Summary).

Certified licenses

Experience

CETERA WEALTH SERVICES, LLC

CETERA WEALTH SERVICES, LLC

VOYA FINANCIAL ADVISORS, INC.

VOYA FINANCIAL ADVISORS, INC.

LOCUST STREET SECURITIES, INC.

LOCUST STREET SECURITIES, INC.

FFP ADVISORY SERVICES INC

FFP SECURITIES, INC.

Primary Firm SEC Registration

CETERA INVESTMENT ADVISERS LLC

State Registrations and Notice Filings

Exams

Series 63

Date: 12/18/2001

SIE

Date: 10/1/2018

Series 7

Date: 4/26/1999

Series 6

Date: 1/27/1994

FINRA

Current Firm

CETERA INVESTMENT ADVISERS LLC

Contact information

SEC notice filing (53 States and Territories)

Documents

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

CETERA INVESTMENT ADVISERS LLC

TRUST BUT VERIFY

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