Howard M. Ramsamugh

POLARIS WEALTH MANAGEMENT

FLOSSMOOR, IL 60422

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CRD#: 2694834

Professional summary

Howard Mark Ramsamugh, who also goes by Howard M Ramsamugh, Howard Ramsamugh, is a registered financial advisor currently at POLARIS WEALTH MANAGEMENT, LLC located in Flossmoor, Illinois and LION STREET FINANCIAL, LLC located in Austin, Texas.

Howard is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1996. Howard has worked at 6 firms and has passed the Series 65, Series 63, SIE and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Howard M Ramsamugh | Howard Ramsamugh

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)Polaris Advice does provide Life, Disability and Long Term Insurance recommendations that can lead to application sent to various insurers. 2)HOWARD RAMSAMUGH INC., INVESTMENT RELATED, 2119 W. GARFIELD BLVD. CHICAGO, ILLINOIS 60636, 5 HRS/MONTH, 2 HRS DURING TRADING HRS, PRODUCES AND SHARES ARTICLES WITH THE PUBLIC ON FINANCIAL AND LIFESTYLE ISSUES

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Howard Mark Ramsamugh'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®

None

Experience

Current

November 3, 2021 - Present

POLARIS WEALTH MANAGEMENT, LLC

Office #1: 2620 Central Dr Unit Gs, Flossmoor, IL 60422

RIA

CRD#: 305777

FLOSSMOOR, IL

Current

July 27, 2018 - Present

LION STREET FINANCIAL, LLC

Office #1: 300 Colorado St Suite 2600, Austin, TX 78701

CRD#: 165828

AUSTIN, TX

Past

July 27, 2018 - November 3, 2025

LION STREET ADVISORS, LLC

RIA

CRD#: 167610

Flossmoor, IL

Past

May 27, 2010 - August 3, 2018

FSC SECURITIES CORPORATION

RIA

CRD#: 7461

FLOSSMOOR, IL

Past

May 19, 2010 - August 3, 2018

FSC SECURITIES CORPORATION

CRD#: 7461

FLOSSMOOR, IL

Past

June 21, 2006 - December 24, 2008

VALIC FINANCIAL ADVISORS, INC.

RIA

CRD#: 42803

CHICAGO, IL

Past

April 7, 2006 - December 24, 2008

VALIC FINANCIAL ADVISORS, INC.

CRD#: 42803

CHICAGO, IL

Past

March 25, 1996 - April 10, 2006

PRUCO SECURITIES, LLC.

CRD#: 5685

NEWARK, NJ

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

IAR

Illinois
(11/3/2021)

Indiana
(7/27/2018)

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 65

Date: 2/26/2001

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 3/4/1996

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 6

Date: 3/22/1996

Investment Company Products/Variable Contracts Representative Examination

SRO Registrations

FINRA

Current Firm

POLARIS WEALTH MANAGEMENT, LLC

POLARIS | POLARIS WEALTH MANAGEMENT, LLC | POLARIS WEALTH MANAGEMENT | POLARIS INSURANCE AGENCY

CRD#: 305777 / SEC#:

Illinois

Registered Investment Advisory firm - (6/24/2020 Approved)

Texas

Registered Investment Advisory firm - (2/11/2021 Conditional Restricted)

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Contact information

Main Address

2620 Central Dr Unit Gs, Flossmoor, IL 60422

Mailing Address

1020 Park Dr #213, Flossmoor, IL 60422

Phone number

(312) 951-2606

Established

Firm type

Fiscal year end

# of Employees

Documents

Latest Form ADV

Regulatory assets under management

Total Number of Accounts	313
AUM (Assets Under Management)	$ 11,200,000

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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Advisor Monitoring

Firm Stability Insights

Howard M. Ramsamugh

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Howard Mark Ramsamugh's CRS (Customer Relationship Summary).

Certified licenses

Experience

LION STREET FINANCIAL, LLC

LION STREET ADVISORS, LLC

FSC SECURITIES CORPORATION

FSC SECURITIES CORPORATION

VALIC FINANCIAL ADVISORS, INC.

VALIC FINANCIAL ADVISORS, INC.

PRUCO SECURITIES, LLC.

State Registrations and Notice Filings

Exams

Series 65

Date: 2/26/2001

Series 63

Date: 3/4/1996

SIE

Date: 10/1/2018

Series 6

Date: 3/22/1996

FINRA

Current Firm

POLARIS WEALTH MANAGEMENT, LLC

Contact information

Documents

Regulatory assets under management

Red Flags

Company Information

POLARIS WEALTH MANAGEMENT, LLC

TRUST BUT VERIFY

Contact information

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