Joe L. Cervantes
COLDSTREAM WEALTH MANAGEMENT | Relationship Manager & Team Lead
Bellevue, WA 98004
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CRD#: 2934811
Professional summary
Joe Louis Cervantes, CFP®, CLU® is a registered financial advisor currently at COLDSTREAM WEALTH MANAGEMENT located in Bellevue, Washington and COLDSTREAM SECURITIES, INC. located in Bellevue, Washington.
Joe is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1997. Joe has worked at 6 firms and has passed the Series 65, Series 63, SIE, Series 31, Series 7 and Series 6 exams.
Biography
Joe Cervantes is a Team Lead-Relationship Manager who specializes in providing comprehensive wealth management services including estate and financial planning for affluent individuals and families. For over three decades, he has focused on enriching his clients’ lives by providing tailored financial planning methodologies to address complicated investment, estate, and tax planning issues. With his ongoing desire to practice complex estate planning strategies for high-net worth families, Joe has developed extensive knowledge in legacy planning, risk awareness, insurance, and protective liability strategies. Joe has been recognized by Barron's as a top Financial Advisor in Washington State in 2019, 2020, and 2021.
Joe earned an Executive Certificate in Financial Planning from the University of Washington, Foster School of Business, and holds the CERTIFIED FINANCIAL PLANNER™ (CFP™) designation. Joe earned the Chartered Life Underwriting designation (CLU), in 2014, a designation for insurance professionals awarded by The American College of Financial Services. Launched in 1927, the Chartered Life Underwriter (CLU®) is one of the insurance profession's oldest and most respected credentials, representing a thorough understanding of a broad array of life insurance planning issues and personal risk management. Joe holds the Accredited Estate Planner® Designation, administered by the National Association of Estate Planners & Councils. It is awarded only to estate planning professionals who meet special requirements of education, experience, knowledge, professional reputation, and character. Joe is a current member of the Estate Planning Council of Seattle, the Financial Planners Association, and the Association of Financial Services Professionals.
When not at the office, Joe spends his days with his wife, two daughters, and two poodles. He enjoys working in his garden, cooking delicious Mexican food, riding his Harley Davidson, and hitting a few balls at Bear Creek Country Club.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®. CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
Question & Answer
What are your service offerings?
Trust & estate planning
Institutional consulting
Financial planning
Philanthropic services
Trading individual securities
Retirement planning
What is your current number of clients?
Greater than 100
What is your minimum asset requirement?
2M
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.
1) INDEPENDENT AGENT INSURANCE LICENSED IN ALL LINES OF INSURANCE- FIXED PRODUCTS, ANNUTIIES, LT CARE, DIABILITY, MEDICARE SUPPLEMENT, MAJOR MEDICAL; UTILIZES VARIOUS INDEPENDENT INSURANCE CARRIERS;SINCE 10/1990. 2) Joe's primary business activity is working as a registered investment advisor for Coldstream Wealth Management, an affiliate of Coldstream Securities Inc.
CRS (Client Relationship Summary) - RIA
Click below to view Joe Louis Cervantes'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®
CFP®
Start date: 2009
Education
Insurance
2000 - 2014
Business/Commerce, General
2008 - 2008
Sociology
1985 - 1989
Experience
Current
January 24, 2011 - Present
COLDSTREAM WEALTH MANAGEMENT
Office #1: One - 100th Avenue Ne Suite 102, Bellevue, WA 98004RIA
CRD#: 108805
Bellevue, WA
Current
January 24, 2011 - Present
COLDSTREAM SECURITIES, INC.
Office #1: One 100th Avenue Ne Suite 102, Bellevue, WA 98004BD
CRD#: 46835
Bellevue, WA
Past
July 15, 2008 - February 17, 2011
APPROPRIATE BALANCE FINANCIAL SERVICES INC
RIA
CRD#: 105458
BELLEVUE, WA
Past
October 4, 2005 - February 2, 2011
PACIFIC WEST FINANCIAL CONSULTANTS INC
RIA
CRD#: 108728
BELLEVUE, WA
Past
May 24, 1999 - February 2, 2011
PACIFIC WEST SECURITIES, INC.
BD
CRD#: 6390
BELLEVUE, WA
Past
September 3, 1997 - May 27, 1999
LEGACY FINANCIAL SERVICES, INC.
BD
CRD#: 38697
PETALUMA, CA
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".
CW
COLDSTREAM WEALTH MANAGEMENT
COLDSTREAM | COLDSTREAM WEALTH MANAGEMENT | COLDSTREAM CAPITAL MANAGEMENT INC
CRD#: 108805 / SEC#: 801-39379
RIA
Registered Investment Advisory firm - (7/23/1991 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
IAR
Arizona(1/10/2023)
IAR
California(12/3/2013)
IAR
Colorado(12/4/2013)
IAR
Oregon(1/24/2011)
RR
Oregon(2/2/2011)
RR
Washington(1/24/2011)
IAR
Washington(1/24/2011)
Exams
State Security Law Exam
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
SRO Registrations
RR
FINRA
Current Firm
CW
COLDSTREAM WEALTH MANAGEMENT
COLDSTREAM | COLDSTREAM WEALTH MANAGEMENT | COLDSTREAM CAPITAL MANAGEMENT INC
CRD#: 108805 / SEC#: 801-39379
RIA
Registered Investment Advisory firm - (7/23/1991 Approved)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
One - 100th Avenue Ne Suite 102, Bellevue, WA 98004
Mailing Address
Phone number
(425) 283-1600
Established
Firm type
Fiscal year end
# of Employees
195
SEC notice filing (33 States and Territories)
Documents
Regulatory assets under management
| Total Number of Accounts | 4,519 |
| AUM (Assets Under Management) | $ 12,438,532,202 |
Accountant surprise examination report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 09/25/2025 | ||
| 08/27/2024 | ||
| 09/29/2023 |
Red Flags
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Company Information
COLDSTREAM WEALTH MANAGEMENT
Relationship Manager & Team LeadCRD#: 108805Bellevue, WA 98004TRUST BUT VERIFY
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Contact information
(xxx) xxx-xxxx
xxxxx@xxxx.xxx
