Charles W. Kunzelman

QTR FAMILY WEALTH

LAKE MARY, FL 32746

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CRD#: 4074399

Professional summary

Charles Whitlock Kunzelman, CFP®, ChFC®, who also goes by Charles W Kunzelman, Charles Whitlock Kunzelman, Charles Kunzelman, Whit Kunzelman, Whit Kunzelman, is a registered financial advisor currently at QTR FAMILY WEALTH, LLC located in Lake Mary, Florida and IFP SECURITIES, LLC located in Tampa, Florida.

Charles is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2000. Charles has worked at 14 firms and has passed the Series 66, Series 63, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Charles W Kunzelman | Charles Whitlock Kunzelman | Charles Kunzelman | Whit Kunzelman | Whit Kunzelman

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) QTR Family Wealth - DBA - 605 Crescent Executive Court Suite 104 Lake Mary FL 32746 - employee - start date Dec. 16, 2024 - 160 hours/month during trading - Financial Planner/Wealth Strategist/Relationship Manager/Advisor (2) Insurance - investment related - Life Insurance Agent providing non-variable Life Insurance, Disability, Long-Term Care, Annuities as agent with Modern Life, General Agency - 605 Crescent Executive Court Suite 104 Lake Mary FL 32746 - agent - start date Dec. 16, 2024 - 15 hours/month during trading - Agent responsibilities to ensure overall suitability of insurance products from a planning perspective and providing quotes, application and placing non-variable life insurance, long term care, disability, annuities. (3) FinBalance LLC - investment related - 11504 Misty Oak Aly Windermere FL 34786 - owner - start date Aug. 19, 2022 - 2 hours/month during trading - Owner/managing expenses and recordkeeping for tax purposes (4) Cypress Risk Partners LLC - investment related - 2101 S. Orlando Ave Suite 390, Winter Park, FL 32789 - As a 220 Licensed (General Lines) Property and Casualty Insurance agent I have been appointed with property and casualty insurers though Cypress Risk Partners, LLC with the intention to over time share on commissions generated from referrals where Property and Casualty lines of business are placed. I do not currently have an arrangement to share revenue. At this time the OBA is to demonstrate I'm holding my license with company appointments within Cypress Risk Partners, LLC. - Solicitor - start date Jul 31, 2025 - 4 hours/month - 4 hours/month during trading - General duties to maintain my license with continuing education and introductions for property and casualty insurance reviews.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Charles Whitlock Kunzelman'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: 2003

ChFC^®

Chartered Financial Consultant

Experience

Current

December 16, 2024 - Present

QTR FAMILY WEALTH, LLC

Office #1: 605 Crescent Executive Court Suite 104, Lake Mary, FL 32746

RIA

CRD#: 331655

LAKE MARY, FL

Current

February 1, 2025 - Present

IFP SECURITIES, LLC

Office #1: 3030 North Rocky Point Drive West, Suite 700, Tampa, FL 33607

CRD#: 297287

TAMPA, FL

Past

February 1, 2023 - May 30, 2024

CRD#: 2580

FORT WAYNE, IN

Past

January 6, 2000 - August 21, 2000

OSAIC FA, INC.

CRD#: 3978

FORT WAYNE, IN

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".

QTR FAMILY WEALTH, LLC

ALECTRA WEALTH ADVISORS, LLC | QTR FAMILY WEALTH, LLC

CRD#: 331655 / SEC#: 801-130687

RIA

Registered Investment Advisory firm - (8/2/2024 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

California
(3/28/2025)

IAR

Florida
(12/16/2024)

Florida
(2/3/2025)

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: 5/15/2001

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 1/11/2000

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: 1/5/2000

General Securities Representative Examination

SRO Registrations

FINRA

Current Firm

QTR FAMILY WEALTH, LLC

ALECTRA WEALTH ADVISORS, LLC | QTR FAMILY WEALTH, LLC

CRD#: 331655 / SEC#: 801-130687

RIA

Registered Investment Advisory firm - (8/2/2024 Approved)

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Contact information

Main Address

605 Crescent Executive Court Suite 104, Lake Mary, FL 32746

Mailing Address

Phone number

(407) 745-0715

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (1 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

QTR FAMILY WEALTH, LLC ADV PART 2A (6/16/2025)

Regulatory assets under management

Total Number of Accounts	646
AUM (Assets Under Management)	$ 582,825,422

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
10/17/2025	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

Charles W. Kunzelman

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Charles Whitlock Kunzelman's CRS (Customer Relationship Summary).

Certified licenses

Experience

IFP SECURITIES, LLC

METRIC FINANCIAL, LLC

BISON WEALTH, LLC

SCHWAB WEALTH ADVISORY, INC.

CHARLES SCHWAB & CO., INC.

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

INTERNATIONAL ASSETS ADVISORY, LLC

RAYMOND JAMES FINANCIAL SERVICES ADVISORS, INC

RAYMOND JAMES FINANCIAL SERVICES, INC.

RAYMOND JAMES FINANCIAL SERVICES, INC.

TRUIST INVESTMENT SERVICES, INC.

TRUIST INVESTMENT SERVICES, INC.

UBS FINANCIAL SERVICES INC.

UBS FINANCIAL SERVICES INC.

OSAIC FA, INC.

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

OSAIC FA, INC.

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

OSAIC FA, INC.

Primary Firm SEC Registration

QTR FAMILY WEALTH, LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 5/15/2001

Series 63

Date: 1/11/2000

SIE

Date: 10/1/2018

Series 7

Date: 1/5/2000

FINRA

Current Firm

QTR FAMILY WEALTH, LLC

Contact information

SEC notice filing (1 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

QTR FAMILY WEALTH, LLC

TRUST BUT VERIFY

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