Christine M. Terry

KARAGOSIAN FINANCIAL SERVICES,

Croton On Hudson, NY 10520

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CRD#: 2512839

Professional summary

Christine Michele Terry, who also goes by Christine Michele Druther, is a registered financial advisor currently at KARAGOSIAN FINANCIAL SERVICES, INC located in Croton On Hudson, New York.

Christine is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1994. Christine has worked at 3 firms and has passed the Series 63, Series 57TO, SIE, Series 55, Series 7, Series 4 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Christine Michele Druther

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 Christine Michele Terry'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

July 22, 2009 - Present

KARAGOSIAN FINANCIAL SERVICES, INC

Office #1: 1 Baltic Place 201d, Croton On Hudson, NY 10520

RIA

CRD#: 124532

Croton On Hudson, NY

Past

November 1, 2013 - October 2, 2025

NATIONWIDE PLANNING ASSOCIATES INC.

CRD#: 31029

FAIR LAWN, NJ

Past

January 29, 2003 - July 22, 2009

KARAGOSIAN FINANCIAL SERVICES, INC

RIA

CRD#: 124532

ENGLEWOOD CLIFFS, NJ

Past

September 26, 1994 - July 23, 2014

ABRAMENKO & COMPANY, INC.

CRD#: 21406

ENGLEWOOD CLIFFS, NJ

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".

KARAGOSIAN FINANCIAL SERVICES, INC

CRD#: 124532 / SEC#: 801-121523

RIA

Registered Investment Advisory firm - (7/1/2021 Approved)

New Jersey

Registered Investment Advisory firm - (7/8/2021 Terminated)

New York

Registered Investment Advisory firm - (7/8/2021 Terminated)

Texas

Registered Investment Advisory firm - (7/8/2021 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

New Jersey
(7/22/2009)

IAR

New York
(8/13/2021)

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.

Exams

State Security Law Exam

Series 63

Date: 9/20/1994

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 57TO

Date: 1/2/2023

Securities Trader Exam

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 55

Date: 11/7/2000

Limited Representative-Equity Trader Exam

General Industry/Product Exam

Series 7

Date: 9/19/1994

General Securities Representative Examination

Principal/Supervisory Exam

Series 4

Date: 10/18/1995

Registered Options Principal Examination

Principal/Supervisory Exam

Series 24

Date: 10/11/1995

General Securities Principal Examination

Current Firm

KARAGOSIAN FINANCIAL SERVICES, INC

CRD#: 124532 / SEC#: 801-121523

RIA

Registered Investment Advisory firm - (7/1/2021 Approved)

New Jersey

Registered Investment Advisory firm - (7/8/2021 Terminated)

New York

Registered Investment Advisory firm - (7/8/2021 Terminated)

Texas

Registered Investment Advisory firm - (7/8/2021 Terminated)

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Contact information

Main Address

1 Baltic Place 201d, Croton On Hudson, NY 10520

Mailing Address

Phone number

(212) 213-1898

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (4 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

KFS ADV PART 2 (3/6/2025)

Regulatory assets under management

Total Number of Accounts	55
AUM (Assets Under Management)	$ 26,734,711

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.

Contact information

xxxxx@xxxx.xxx

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Firm Stability Insights

Christine M. Terry

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Christine Michele Terry's CRS (Customer Relationship Summary).

Certified licenses

Experience

NATIONWIDE PLANNING ASSOCIATES INC.

KARAGOSIAN FINANCIAL SERVICES, INC

ABRAMENKO & COMPANY, INC.

Primary Firm SEC Registration

KARAGOSIAN FINANCIAL SERVICES, INC

State Registrations and Notice Filings

Exams

Series 63

Date: 9/20/1994

Series 57TO

Date: 1/2/2023

SIE

Date: 10/1/2018

Series 55

Date: 11/7/2000

Series 7

Date: 9/19/1994

Series 4

Date: 10/18/1995

Series 24

Date: 10/11/1995

Current Firm

KARAGOSIAN FINANCIAL SERVICES, INC

Contact information

SEC notice filing (4 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

KARAGOSIAN FINANCIAL SERVICES, INC

TRUST BUT VERIFY

Contact information

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