RN
Renate M. Nebel Bernard
CETERA INVESTMENT ADVISERS LLC
TROY, MI 48084
Some features on this profile are disabled
CRD#: 3100770
RN
Professional summary
Renate Mccaffrey Nebel Bernard, who also goes by Renate Mccaffrey Nebel, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Troy, Michigan and CETERA ADVISORS LLC located in Troy, Michigan.
Renate is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1998. Renate has worked at 5 firms and has passed the Series 66, Series 63, SIE, Series 7, Series 6, Series 51, Series 24 and Series 26 exams.
Question & Answer
Are you a "fiduciary"?
Yes
Aliases
Renate Mccaffrey Nebel
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. ETANER FINANCIAL SERVICES, DBA FOR FIXED INSURANCE SALES AND SECURITIES BUSINESS. 2.MATT JOSWICK PC, 44444 MOUND RD, STE 100, STERLING HEIGHTS, MI 48314, REFERALS FOR ESTATE PLANNING 3. HOUSE HOLD GOODS SALES, SAME AS HOME ADDRESS, START 01/01/2013, SALES OF GOODS ON EBAY, 1-2HR/WK, PROFITS. 4. NAME OF OTHER BUSINESS: FIXED INSURANCE WITH VARIOUS COMPANIES, INVESTMENT RELATED: YES, ADDRESS: SAME AS REGISTERD LOCATION, NATURE OF BUSINESS: FIXED INSURANCE, START DATE: 9/2016, APX NUMBER OF HOURS PER WEEK: 40, APX NUMBER OF TRADING HOURS PER WEEK: 32.5, POSITION/TITLE/RELATIONSHIP: AGENT, BRIEF DESCRIPTION OF DUTIES: LIFE, DISABILITY, ANNUITIES, & LONG TERM CARE; 5. NAME OF OTHER BUSINESS: RENTAL UNIT, INVESTMENT RELATED: NO, ADDRESS: DICKINSON, MOUNT CLEMENS, MI, NATURE OF BUSINESS: REAL ESTATE RENTAL, START DATE: 12/2016, APX NUMBER OF HOURS PER WEEK: 1, APX NUMBER OF TRADING HOURS PER WEEK: 1, POSITION/TITLE/RELATIONSHIP: 25% OWNER, BRIEF DESCRIPTION OF DUTIES: PAY BILLS; 6. NAME OF OTHER BUSINESS: RIVARD FAMILY TRUST, INVESTMENT RELATED: NO, ADDRESS: 296/298 RIVARD BLVD GROSSE POINT MI 48230, NATURE OF BUSINESS: TRUST, START DATE: 2012, APX NUMBER OF HOURS PER WEEK: 2, APX NUMBER OF TRADING HOURS PER WEEK: 2, POSITION/TITLE/RELATIONSHIP: CO-TRUSTEE, BRIEF DESCRIPTION OF DUTIES: PAY BILLS, FILE TAX, MANAGE PROPERTY; 7. NAME OF OTHER BUSINESS: 4B PRETZELS LLC DBA NED'S PRETZELS; INVESTMENT RELATED: NO; ADDRESS: 425 COUNTY CENTER STREET LAPEER MI 48446, NATURE OF BUSINESS: WHOLESALE / RETAIL PRETZEL SALES; START DATE: 04/2018; POSITION/TITLE/RELATIONSHIP: OWNER; APX NUMBER OF HOURS PER WEEK: 10; APX NUMBER OF HOURS DURING TRADING HOURS: VARIES; BRIEF DESCRIPTION OF DUTIES: PAPERWORK, MANAGEMENT OF COMPANY, PRODUCTION AND MARKETING; 8. NAME OF OTHER BUSINESS: EMILY LLC; INVESTMENT RELATED: NO; ADDRESS: 296/298 RIVARD BLVD GROSS POINTE MI 48230; NATURE OF BUSINESS: RENTAL INCOME; START DATE: 1/2018; POSITION/TITLE/RELATIONSHIP: PARTNER; APX NUMBER OF HOURS PER WEEK: 2; APX NUMBER OF HOURS DURING TRADING HOURS: 2; BRIEF DESCRIPTION OF DUTIES: MANAGE MORTGAGE AND OTHER EXPENSES;
CRS (Client Relationship Summary) - RIA
Click below to view Renate Mccaffrey Nebel Bernard'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®
NoneExperience
Current
March 21, 2024 - Present
CETERA INVESTMENT ADVISERS LLC
Office #1: 901 Wilshire Drive Ste 500, Troy, MI 48084RIA
CRD#: 105644
TROY, MI
Current
January 1, 2004 - Present
CETERA ADVISORS LLC
Office #1: 901 Wilshire Drive Ste 500, Troy, MI 48084BD
CRD#: 10299
Troy, MI
Past
June 29, 2010 - March 21, 2024
CETERA ADVISORS LLC
RIA
CRD#: 10299
GREENWOOD VILLAGE, IL
Past
June 8, 2001 - January 1, 2004
VESTAX SECURITIES CORPORATION
BD
CRD#: 10332
HUDSON, OH
Past
December 9, 1998 - June 11, 2001
SIGNATOR INVESTORS, INC.
BD
CRD#: 468
BOSTON, MA
Past
September 29, 1998 - December 3, 1998
MML INVESTORS SERVICES, LLC
BD
CRD#: 10409
SPRINGFIELD, MA
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".
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
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.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
RR
Arizona(2/26/2015)
RR
California(5/16/2019)
RR
Florida(1/21/2005)
RR
Illinois(1/3/2006)
RR
Indiana(1/2/2024)
RR
Kansas(3/26/2025)
RR
Kentucky(1/21/2005)
RR
Michigan(1/1/2004)
IAR
Michigan(3/21/2024)
RR
Minnesota(1/21/2005)
RR
New Jersey(1/3/2007)
RR
New York(7/15/2016)
RR
North Carolina(1/1/2004)
RR
Ohio(1/24/2005)
RR
Oregon(9/6/2012)
RR
Pennsylvania(1/9/2018)
RR
South Carolina(1/3/2007)
RR
Texas(1/3/2020)
IAR
Texas(3/21/2024)
RR
Virginia(4/9/2014)
RR
Wisconsin(1/4/2010)
Exams
State Security Law Exam
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
Principal/Supervisory Exam
Principal/Supervisory Exam
Principal/Supervisory Exam
SRO Registrations
RR
FINRA
Current Firm
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
CRD#: 105644 / SEC#: 801-20406
RIA
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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)
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 | ||
| 12/13/2024 | ||
| 09/26/2023 | ||
| 11/18/2022 |
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.
