David C. Kaluza

CETERA INVESTMENT ADVISERS LLC

ST CLOUD, MN 56301

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CRD#: 3146466

Professional summary

David Charles Kaluza, who also goes by David C Kaluza, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in St Cloud, Minnesota and CETERA INVESTMENT SERVICES LLC located in St Cloud, Minnesota.

David is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1998. David has worked at 14 firms and has passed the Series 66, Series 52TO, SIE, Series 7, Series 53 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

David C Kaluza

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 Charles Kaluza'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

January 31, 2014 - Present

CETERA INVESTMENT ADVISERS LLC

Office #1: 400 1st St S Ste 300, St Cloud, MN 56301

RIA

CRD#: 105644

ST CLOUD, MN

Current

January 24, 2005 - Present

CETERA INVESTMENT SERVICES LLC

Office #1: 400 1st St S Ste 300, St Cloud, MN 56301

CRD#: 15340

St Cloud, MN

Past

May 26, 2016 - December 3, 2019

SUMMIT BROKERAGE SERVICES, INC.

CRD#: 34643

ST CLOUD, MN

Past

January 21, 2016 - July 30, 2021

FIRST ALLIED SECURITIES, INC.

CRD#: 32444

ST CLOUD, MN

Past

January 21, 2016 - July 30, 2021

CETERA FINANCIAL SPECIALISTS LLC

CRD#: 10358

ST CLOUD, MN

Past

January 21, 2016 - July 30, 2021

CETERA ADVISORS LLC

CRD#: 10299

ST CLOUD, MN

Past

January 29, 2014 - January 31, 2014

CETERA INVESTMENT SERVICES LLC

RIA

CRD#: 15340

ST. CLOUD, MN

Past

October 9, 2012 - July 30, 2021

CETERA WEALTH SERVICES, LLC

CRD#: 13572

ST CLOUD, MN

Past

January 24, 2005 - December 31, 2006

BANCNORTH INVESTMENT GROUP, INC.

CRD#: 31299

ST. CLOUD, MN

Past

January 24, 2005 - June 20, 2007

GUARANTY BROKERAGE SERVICES, INC.

CRD#: 23302

ST. CLOUD, MN

Past

December 13, 2004 - January 21, 2005

EQUITABLE DISTRIBUTORS, LLC

CRD#: 25900

CHARLOTTE, NC

Past

August 2, 2002 - November 14, 2003

BANCWEST INVESTMENT SERVICES, INC.

CRD#: 29357

OMAHA, NE

Past

August 2, 2002 - December 14, 2004

GUARANTY BROKERAGE SERVICES, INC.

CRD#: 23302

ST. CLOUD, MN

Past

July 30, 2001 - December 14, 2004

CETERA INVESTMENT SERVICES LLC

CRD#: 15340

ST. CLOUD, MN

Past

April 20, 2001 - August 27, 2001

WELLS FARGO BROKERAGE SERVICES, L.L.C.

CRD#: 16100

MINNEAPOLIS, MN

Past

January 8, 2001 - August 27, 2001

WELLS FARGO INVESTMENTS, LLC

CRD#: 10582

SAN FRANCISCO, CA

Past

December 16, 1998 - January 11, 2001

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

CRD#: 7691

NEW YORK, 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".

CETERA INVESTMENT ADVISERS LLC

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.

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

Alabama
(9/16/2021)

Alaska
(9/16/2021)

Arizona
(9/16/2021)

Arkansas
(9/16/2021)

California
(9/16/2021)

Colorado
(9/16/2021)

Connecticut
(9/16/2021)

Delaware
(9/16/2021)

District of Columbia
(9/16/2021)

Florida
(1/24/2005)

Georgia
(9/16/2021)

Hawaii
(9/16/2021)

Idaho
(9/16/2021)

Illinois
(9/16/2021)

Indiana
(9/16/2021)

Iowa
(9/16/2021)

Kansas
(9/16/2021)

Kentucky
(9/16/2021)

Louisiana
(9/16/2021)

Maine
(9/16/2021)

Maryland
(9/16/2021)

Massachusetts
(9/16/2021)

Michigan
(9/16/2021)

Minnesota
(1/24/2005)

IAR

Minnesota
(1/31/2014)

Mississippi
(9/16/2021)

Missouri
(9/16/2021)

Montana
(9/16/2021)

Nebraska
(9/16/2021)

Nevada
(9/16/2021)

New Hampshire
(9/16/2021)

New Jersey
(9/16/2021)

New Mexico
(9/16/2021)

New York
(9/16/2021)

North Carolina
(9/16/2021)

North Dakota
(9/16/2021)

Ohio
(9/17/2021)

Oklahoma
(9/16/2021)

Oregon
(9/16/2021)

Pennsylvania
(9/16/2021)

Rhode Island
(9/16/2021)

South Carolina
(9/16/2021)

South Dakota
(9/16/2021)

Texas
(9/16/2021)

IAR

Texas
(1/12/2023)

Utah
(9/16/2021)

Vermont
(9/16/2021)

Virginia
(9/16/2021)

Washington
(9/16/2021)

West Virginia
(9/16/2021)

Wisconsin
(9/16/2021)

Wyoming
(9/16/2021)

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. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

IAR

Series 66

Date: 12/10/1998

Uniform Combined State Law Examination

General Industry/Product Exam

Series 52TO

Date: 9/25/2025

Municipal Securities Representative Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 11/25/1998

General Securities Representative Examination

Principal/Supervisory Exam

Series 53

Date: 9/9/2002

Municipal Securities Principal Examination

Principal/Supervisory Exam

Series 24

Date: 7/29/2002

General Securities Principal Examination

SRO Registrations

FINRA

Current Firm

CETERA INVESTMENT ADVISERS LLC

CRD#: 105644 / SEC#: 801-20406

RIA

Registered Investment Advisory firm - (1/13/1984 Approved)

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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)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

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	Cover Page	Report
12/13/2024	Cover Page	Report
09/26/2023	Cover Page	Report
11/18/2022	Cover Page	Report

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.

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Advisor Monitoring

Firm Stability Insights

David C. Kaluza

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view David Charles Kaluza's CRS (Customer Relationship Summary).

Certified licenses

Experience

CETERA INVESTMENT SERVICES LLC

SUMMIT BROKERAGE SERVICES, INC.

FIRST ALLIED SECURITIES, INC.

CETERA FINANCIAL SPECIALISTS LLC

CETERA ADVISORS LLC

CETERA INVESTMENT SERVICES LLC

CETERA WEALTH SERVICES, LLC

BANCNORTH INVESTMENT GROUP, INC.

GUARANTY BROKERAGE SERVICES, INC.

EQUITABLE DISTRIBUTORS, LLC

BANCWEST INVESTMENT SERVICES, INC.

GUARANTY BROKERAGE SERVICES, INC.

CETERA INVESTMENT SERVICES LLC

WELLS FARGO BROKERAGE SERVICES, L.L.C.

WELLS FARGO INVESTMENTS, LLC

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

Primary Firm SEC Registration

CETERA INVESTMENT ADVISERS LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 12/10/1998

Series 52TO

Date: 9/25/2025

SIE

Date: 10/1/2018

Series 7

Date: 11/25/1998

Series 53

Date: 9/9/2002

Series 24

Date: 7/29/2002

FINRA

Current Firm

CETERA INVESTMENT ADVISERS LLC

Contact information

SEC notice filing (53 States and Territories)

Documents

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

CETERA INVESTMENT ADVISERS LLC

TRUST BUT VERIFY

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