AdvisorCheck - Find and Connect with Top Financial Advisors on Your Terms
Advisor Search
Why AdvisorCheck

We're Here To Help

AdvisorCheck empowers you to find, evaluate, and monitor financial advisors with confidence and clarity.

Advisor Monitoring

Financial advisor's situations can change, sometimes without notice. AdvisorCheck's Monitoring tool helps you avoid surprises and stay on top of your financial health.

Firm Stability Insights

The stability of your financial advisor's firm has a significant impact in the security and quality of service you receive. Our tool provides historical data and key insights over time to help you make informed, confident decisions.

Pricing
For Advisors
RK

Rachelle R. Kovacs

ADAPTIVE FINANCIAL CONSULTING
Beachwood, OH 44122
Some features on this profile are disabled
CRD#: 3274439
RK

Professional summary

Rachelle Renee Kovacs, CFP®, who also goes by Rachelle R Murray, Rachelle Renee Murray, is a registered financial advisor currently at ADAPTIVE FINANCIAL CONSULTING, LLC located in Beachwood, Ohio.

Rachelle is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1999. Rachelle has worked at 11 firms and has passed the Series 66, Series 63, SIE, Series 7 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?
Yes

Aliases

Rachelle R Murray | Rachelle Renee Murray

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 Rachelle Renee Kovacs'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

Experience

Current

May 31, 2018 - Present

ADAPTIVE FINANCIAL CONSULTING, LLC

Office #1: 3401 Enterprise Parkway Suite 340, Beachwood, OH 44122
RIA
CRD#: 288185
Beachwood, OH
Past

August 17, 2010 - February 7, 2018

STRATOS WEALTH PARTNERS, LTD

RIA
CRD#: 153184
BEACHWOOD, OH
Past

December 12, 2008 - December 31, 2010

LPL FINANCIAL LLC

RIA
CRD#: 6413
BEACHWOOD, OH
Past

December 11, 2008 - September 15, 2017

LPL FINANCIAL LLC

BD
CRD#: 6413
BEACHWOOD, OH
Past

September 13, 2007 - August 14, 2008

UBS FINANCIAL SERVICES INC.

RIA
CRD#: 8174
CLEVELAND, OH
Past

February 9, 2007 - August 14, 2008

UBS FINANCIAL SERVICES INC.

BD
CRD#: 8174
CLEVELAND, OH
Past

May 31, 2006 - February 9, 2007

KEYBANC CAPITAL MARKETS INC.

BD
CRD#: 566
CLEVELAND, OH
Past

June 27, 2002 - May 10, 2006

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

BD
CRD#: 2580
FORT WAYNE, IN
Past

June 27, 2002 - May 19, 2006

OSAIC FA, INC.

BD
CRD#: 3978
SOLON, OH
Past

November 2, 2000 - February 19, 2002

EQUITY SERVICES, INC.

BD
CRD#: 265
MONTPELIER, VT
Past

August 11, 2000 - September 20, 2000

IDS LIFE INSURANCE COMPANY

BD
CRD#: 6321
MINNEAPOLIS, MN
Past

August 11, 2000 - September 20, 2000

AMERIPRISE FINANCIAL SERVICES, LLC

BD
CRD#: 6363
MINNEAPOLIS, MN
Past

August 25, 1999 - April 26, 2000

WOODBURY FINANCIAL SERVICES, INC.

BD
CRD#: 421
OAKDALE, MN

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".
AF
ADAPTIVE FINANCIAL CONSULTING, LLC
ADAPTIVE FINANCIAL CONSULTING, LLC

CRD#: 288185 / SEC#: 801-114947

RIA
Registered Investment Advisory firm - (4/4/2019 Approved)
California
Registered Investment Advisory firm - (5/4/2019 Terminated)
Louisiana
Registered Investment Advisory firm - (4/9/2019 Terminated)
Ohio
Registered Investment Advisory firm - (4/5/2019 Terminated)
Texas
Registered Investment Advisory firm - (4/4/2019 Terminated)

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
(5/31/2018)

Exams

State Security Law Exam
RR
IAR
Series 66
Date: 9/12/2007
Uniform Combined State Law Examination
State Security Law Exam
RR
Series 63
Date: 12/21/1999
Uniform Securities Agent State Law Examination
General Industry/Product Exam
RR
SIE
Date: 9/15/2017
Securities Industry Essentials Examination
General Industry/Product Exam
RR
Series 7
Date: 8/10/2000
General Securities Representative Examination
General Industry/Product Exam
RR
Series 6
Date: 8/24/1999
Investment Company Products/Variable Contracts Representative Examination

Current Firm

AF
ADAPTIVE FINANCIAL CONSULTING, LLC
ADAPTIVE FINANCIAL CONSULTING, LLC

CRD#: 288185 / SEC#: 801-114947

RIA
Registered Investment Advisory firm - (4/4/2019 Approved)
California
Registered Investment Advisory firm - (5/4/2019 Terminated)
Louisiana
Registered Investment Advisory firm - (4/9/2019 Terminated)
Ohio
Registered Investment Advisory firm - (4/5/2019 Terminated)
Texas
Registered Investment Advisory firm - (4/4/2019 Terminated)
PREMIUM
Stay ahead of every change that matters. Proactive intelligence on your advisors, before issues escalate.
Biweekly Pulse, AutomaticallyScheduled alerts keep you informed without lifting a finger.
Catch Firm Red Flags SoonerCatch leadership changes and disclosures early, before issues escalate.
Trends, Not Just SnapshotsMonitor firm stability metrics like AUM and advisor ratios over time.

Contact information

Main Address
3401 Enterprise Parkway Suite 340, Beachwood, OH 44122
Mailing Address
Phone number
(440) 359-3468
Established
Firm type
Fiscal year end
# of Employees
8

SEC notice filing (13 States and Territories)

Blank US states mapAlaskaHawaiiAlabamaArkansasArizonaCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWisconsinWest VirginiaWyoming

Documents

Customer Relationship Summary (CRS / SEC)Latest Form ADV

Part 2 Brochures

ADV PART 2A ADAPTIVE FINANCIAL CONSULTING LLC (3/7/2025)

Regulatory assets under management

Total Number of Accounts556
AUM (Assets Under Management)$ 508,501,249

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.

Company Information

ADAPTIVE FINANCIAL CONSULTING, LLC

CRD#: 288185Beachwood, OH 44122

TRUST BUT VERIFY

Monitor Rachelle Kovacs

Get automatic monthly alerts on:
Job or Firm Moves
Licensing Changes
Client Complaints
New Red Flags
Contact Information Updates

Similar Advisors

BK
Boris KagarlitskiyAdvisorCheck Check Mark
KEY INVESTMENT SERVICES LLC
IAR
RR
University Heights, OH
JM
James MagyariAdvisorCheck Check Mark
COMMONWEALTH FINANCIAL NETWORK
IAR
RR
Solon, OH
footer-logo
How We Help
Advisor Search
Find Advisors by State
Blog
Glossary
For Advisors
About Us
Help Center
Terms Of UsePrivacy PolicySubscription Policy
Help Center
AdvisorCheck does not offer investment advice and should not replace discussions with professional accounting, tax, legal or financial advisors.© 2026 AdvisorCheck, an AIMR Analytics company. All rights reserved.