Joan L. Check

EMPOWER ADVISORY GROUP

Toms River, NJ

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CRD#: 3199748

Professional summary

Joan L Check, CFP®, who also goes by Joan C Benkovic, Joan Benkovic, Joan L. Check, Joan C Terragni, Joan Check Terragni, is a registered financial advisor currently at EMPOWER ADVISORY GROUP, LLC located in Toms River, New Jersey and EMPOWER FINANCIAL SERVICES, INC. located in Point Pleasant, New Jersey.

Joan is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1999. Joan has worked at 17 firms and has passed the Series 65, Series 63, SIE, Series 7 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Joan C Benkovic | Joan Benkovic | Joan L. Check | Joan C Terragni | Joan Check Terragni

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) Check Insurance Agency LLC, a Property and Casualty Insurance Agency. Receiving trailing commissions only on previously sold business completed on or before March 2022. No solicitation or servicing of any business. 2) Selff / Executrix. Estate of friend Jo-Ellen Scalone.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joan L Check'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: 2010

Experience

Current

December 7, 2022 - Present

EMPOWER ADVISORY GROUP, LLC

RIA

CRD#: 112058

Toms River, NJ

Current

December 6, 2022 - Present

EMPOWER FINANCIAL SERVICES, INC.

CRD#: 13109

Point Pleasant, NJ

Past

April 13, 2022 - November 8, 2022

EAGLE STRATEGIES LLC

RIA

CRD#: 110826

EDISON, NJ

Past

March 25, 2022 - November 8, 2022

NYLIFE SECURITIES LLC

CRD#: 5167

EDISON, NJ

Past

April 26, 2019 - December 21, 2020

EQUITABLE ADVISORS, LLC

RIA

CRD#: 6627

WALL, NJ

Past

April 25, 2019 - December 21, 2020

EQUITABLE ADVISORS, LLC

CRD#: 6627

WALL, NJ

Past

June 27, 2017 - December 13, 2018

ALLSTATE FINANCIAL ADVISORS, LLC

RIA

CRD#: 109524

Lakewood, NJ

Past

June 21, 2017 - December 13, 2018

ALLSTATE FINANCIAL SERVICES, LLC

CRD#: 18272

Lakewood, NJ

Past

June 6, 2016 - December 2, 2016

FARMERS FINANCIAL SOLUTIONS, LLC

CRD#: 103863

Berlin, NJ

Past

September 14, 2012 - June 9, 2014

PRUCO SECURITIES, LLC.

RIA

CRD#: 5685

BRICK, NJ

Past

September 14, 2012 - June 9, 2014

PRUCO SECURITIES, LLC.

CRD#: 5685

BRICK, NJ

Past

June 18, 2010 - February 1, 2012

CUNA BROKERAGE SERVICES, INC.

RIA

CRD#: 13941

RAHWAY, NJ

Past

June 18, 2010 - February 1, 2012

CUNA BROKERAGE SERVICES, INC.

CRD#: 13941

RAHWAY, NJ

Past

September 10, 2009 - December 21, 2009

NEW ENGLAND SECURITIES

RIA

CRD#: 615

MANASQUAN, NJ

Past

August 6, 2009 - December 21, 2009

NEW ENGLAND SECURITIES

CRD#: 615

MANASQUAN, NJ

Past

June 1, 2009 - July 29, 2009

MORGAN STANLEY

RIA

CRD#: 149777

TOMS RIVER, NJ

Past

June 1, 2009 - July 29, 2009

MORGAN STANLEY

CRD#: 149777

TOMS RIVER, NJ

Past

March 7, 2006 - June 1, 2009

CITIGROUP GLOBAL MARKETS INC.

RIA

CRD#: 7059

TOMS RIVER, NJ

Past

March 7, 2006 - June 1, 2009

CITIGROUP GLOBAL MARKETS INC.

CRD#: 7059

TOMS RIVER, NJ

Past

May 8, 2003 - January 17, 2006

VALIC FINANCIAL ADVISORS, INC.

RIA

CRD#: 42803

CHERRY HILL, NJ

Past

February 23, 2001 - December 31, 2001

THE VARIABLE ANNUITY MARKETING COMPANY

CRD#: 5081

HOUSTON, TX

Past

February 23, 2001 - January 17, 2006

VALIC FINANCIAL ADVISORS, INC.

CRD#: 42803

HOUSTON, TX

Past

December 16, 1999 - March 8, 2001

CITISTREET EQUITIES LLC

CRD#: 7447

SOMERSET, NJ

Past

March 29, 1999 - January 5, 2000

THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED STATES

CRD#: 4039

NEW YORK, NY

Past

March 29, 1999 - January 6, 2000

EQUITABLE ADVISORS, LLC

CRD#: 6627

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".

EMPOWER ADVISORY GROUP, LLC

ADVISED ASSETS GROUP INC | EMPOWER ADVISORY GROUP, LLC | ADVISED ASSETS GROUP, LLC

CRD#: 112058 / SEC#: 801-58105

RIA

Registered Investment Advisory firm - (11/22/2000 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

Connecticut
(12/6/2022)

New Jersey
(12/6/2022)

IAR

New Jersey
(12/7/2022)

New York
(12/6/2022)

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: 9/14/1999

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 3/27/1999

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 10/20/1999

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 3/27/1999

Investment Company Products/Variable Contracts Representative Examination

SRO Registrations

FINRA

Current Firm

EMPOWER ADVISORY GROUP, LLC

ADVISED ASSETS GROUP INC | EMPOWER ADVISORY GROUP, LLC | ADVISED ASSETS GROUP, LLC

CRD#: 112058 / SEC#: 801-58105

RIA

Registered Investment Advisory firm - (11/22/2000 Approved)

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Contact information

Main Address

8515 East Orchard Rd 4t2, Greenwood Village, CO 80111

Mailing Address

Phone number

(866) 575-4977

Established

Firm type

Fiscal year end

# of Employees

822

SEC notice filing (53 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

EMPOWER ADVISORY GROUP PERSONAL STRATEGY(R) WRAP FEE PROGRAM (11/25/2025)

EMPOWER ADVISORY GROUP - ONLINE ADVICE & MANAGED ACCOUNT SERVICE FOR EMPOWER PREMIER IRA (9/22/2025)

EMPOWER ADVISORY GROUP FINANCIAL PLANNING SERVICE (9/19/2025)

EMPOWER PREMIER INVESTMENT ACCOUNT (9/19/2025)

EMPOWER ADVISORY GROUP WRAP FEE PROGRAM BROCHURE FOR EMPOWER MANAGED PORTFOLIOS (9/19/2025)

EMPOWER ADVISORY GROUP - ONLINE ADVICE & PROFESSIONAL MANAGEMENT PROGRAM (9/19/2025)

EMPOWER ADVISORY GROUP - ONLINE ADVICE & MANAGED ACCOUNT SERVICE/MY TOTAL RETIREMENT (9/19/2025)

Regulatory assets under management

Total Number of Accounts	250,707
AUM (Assets Under Management)	$ 159,120,330,491

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
03/28/2025	Cover Page	Report
11/21/2023	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

Joan L. Check

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joan L Check's CRS (Customer Relationship Summary).

Certified licenses

Experience

EMPOWER FINANCIAL SERVICES, INC.

EAGLE STRATEGIES LLC

NYLIFE SECURITIES LLC

EQUITABLE ADVISORS, LLC

EQUITABLE ADVISORS, LLC

ALLSTATE FINANCIAL ADVISORS, LLC

ALLSTATE FINANCIAL SERVICES, LLC

FARMERS FINANCIAL SOLUTIONS, LLC

PRUCO SECURITIES, LLC.

PRUCO SECURITIES, LLC.

CUNA BROKERAGE SERVICES, INC.

CUNA BROKERAGE SERVICES, INC.

NEW ENGLAND SECURITIES

NEW ENGLAND SECURITIES

MORGAN STANLEY

MORGAN STANLEY

CITIGROUP GLOBAL MARKETS INC.

CITIGROUP GLOBAL MARKETS INC.

VALIC FINANCIAL ADVISORS, INC.

THE VARIABLE ANNUITY MARKETING COMPANY

VALIC FINANCIAL ADVISORS, INC.

CITISTREET EQUITIES LLC

THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED STATES

EQUITABLE ADVISORS, LLC

Primary Firm SEC Registration

EMPOWER ADVISORY GROUP, LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 9/14/1999

Series 63

Date: 3/27/1999

SIE

Date: 10/1/2018

Series 7

Date: 10/20/1999

Series 6

Date: 3/27/1999

FINRA

Current Firm

EMPOWER ADVISORY GROUP, LLC

Contact information

SEC notice filing (53 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

EMPOWER ADVISORY GROUP, LLC

TRUST BUT VERIFY

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