David R. Frazier

KAPSTONE FINANCIAL ADVISORS LLC

LEBANON, OH 45036

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CRD#: 2910287

Professional summary

David Robert Frazier, CFP® is a registered financial advisor currently at KAPSTONE FINANCIAL ADVISORS LLC located in Lebanon, Ohio.

David is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1997. David has worked at 4 firms and has passed the Series 65, Series 63, SIE, Series 31, Series 7 and Series 24 exams.

Question & Answer

What are your service offerings?

Investment Planning

Retirement Income Management

Retirement Planning

Inheritance

Tax Planning

Estate Planning

Divorce Planning

Are you a "fiduciary"?

Yes

Aliases

None

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 David Robert Frazier'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: 2012

Experience

Current

February 12, 2026 - Present

KAPSTONE FINANCIAL ADVISORS LLC

Office #1: 212 N. Broadway Street, Lebanon, OH 45036

RIA

CRD#: 318885

LEBANON, OH

Past

August 15, 2006 - February 26, 2026

KOVACK ADVISORS, INC.

RIA

CRD#: 140808

Springboro, OH

Past

August 2, 2004 - August 15, 2006

KOVACK SECURITIES INC.

RIA

CRD#: 44848

SPRINGBORO, OH

Past

December 10, 2002 - February 26, 2026

KOVACK SECURITIES INC.

CRD#: 44848

SPRINGBORO, OH

Past

August 20, 1997 - November 29, 2002

MORGAN STANLEY DW INC.

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".

KAPSTONE FINANCIAL ADVISORS LLC

CRD#: 318885 / SEC#: 801-123348

RIA

Registered Investment Advisory firm - (8/11/2022 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.

Highlighted states indicate IAR registrations

IAR

Ohio
(2/12/2026)

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

IAR

Series 65

Date: 9/12/1997

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 8/21/1997

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 31

Date: 8/28/1997

Futures Managed Funds Examination

General Industry/Product Exam

Series 7

Date: 8/19/1997

General Securities Representative Examination

Principal/Supervisory Exam

Series 24

Date: 9/28/2004

General Securities Principal Examination

Current Firm

KAPSTONE FINANCIAL ADVISORS LLC

CRD#: 318885 / SEC#: 801-123348

RIA

Registered Investment Advisory firm - (8/11/2022 Approved)

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Contact information

Main Address

212 N. Broadway Street, Lebanon, OH 45036

Mailing Address

Phone number

(937) 751-1000

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (8 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

KAPSTONE DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS (1/31/2025)

Regulatory assets under management

Total Number of Accounts	1,160
AUM (Assets Under Management)	$ 271,490,221

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

David R. Frazier

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view David Robert Frazier's CRS (Customer Relationship Summary).

Certified licenses

Experience

KOVACK ADVISORS, INC.

KOVACK SECURITIES INC.

KOVACK SECURITIES INC.

MORGAN STANLEY DW INC.

Primary Firm SEC Registration

KAPSTONE FINANCIAL ADVISORS LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 9/12/1997

Series 63

Date: 8/21/1997

SIE

Date: 10/1/2018

Series 31

Date: 8/28/1997

Series 7

Date: 8/19/1997

Series 24

Date: 9/28/2004

Current Firm

KAPSTONE FINANCIAL ADVISORS LLC

Contact information

SEC notice filing (8 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

KAPSTONE FINANCIAL ADVISORS LLC

TRUST BUT VERIFY

Contact information

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