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Julee Rae Sarto

AIF®
EP WEALTH ADVISORS
Brighton, MI
·CRD# 4178059·26 years experience

Professional Summary

Julee Rae Sarto, AIF®, who also goes by Julee Rae Gwiazdowski, Julee Rae Van Aelst, is a registered financial advisor currently at EP WEALTH ADVISORS located in Brighton, Michigan. Julee is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2000. Julee has worked at 8 firms and has passed the Series 65, Series 63, SIE, Series 7 and Series 6 exams.

At a Glance

Always Fiduciary

Fiduciary Standard

Fee Structure

Account Minimum

Active Clients

Fiduciary Standard

Fee Structure

Account Minimum

Active Clients

Other Aliases

Julee Rae Gwiazdowski, Julee Rae Van Aelst

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Contact Information

This advisor has not claimed their profile yet, so there is no contact information to display at this time.

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Disclosures are events reported to regulators, such as customer disputes, regulatory actions, employment separations, or financial events. Some are resolved, denied, or contested — a disclosure is not a verdict. We recommend asking an advisor directly about any disclosure on their record.

Disclosures on record.

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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Credentials

AIF®
Accredited Investment Fiduciary

Years of Experience

26 years in the financial services industry

Current & Past Employments

EP WEALTH ADVISORS·CRD# 111147
RIA
135 W North St, Brighton, MI 48116
January 2, 2025 - Present
EXECUTIVE WEALTH MANAGEMENT, LLC·CRD# 140736
RIA
Ludington, MI
June 2, 2017 - January 21, 2025
PRIVATE CLIENT SERVICES, LLC·CRD# 120222
BD
Ludington, MI
May 31, 2017 - December 12, 2022
CETERA INVESTMENT ADVISERS LLC·CRD# 105644
RIA
Ludington, MI
January 21, 2014 - June 2, 2017
CETERA INVESTMENT SERVICES LLC·CRD# 15340
RIA
Ludington, MI
January 6, 2010 - January 21, 2014
CETERA INVESTMENT SERVICES LLC·CRD# 15340
RIA
Ludington, MI
September 26, 2006 - December 31, 2009
CETERA INVESTMENT SERVICES LLC·CRD# 15340
BD
Ludington, MI
August 24, 2004 - June 2, 2017
BNY MELLON SECURITIES LLC·CRD# 47268
BD
Jersey City, NJ
October 1, 2001 - August 24, 2004
NATHAN & LEWIS SECURITIES, INC.·CRD# 8503
BD
New York, NY
June 14, 2000 - October 1, 2001
GUARANTY BROKERAGE SERVICES, INC.·CRD# 23302
BD
St. Cloud, MN
May 9, 2000 - June 14, 2000

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Current Firm

EP WEALTH ADVISORS
EP WEALTH ADVISORS

ENRIGHT FINANCIAL CONSULTANTS INC | EP WEALTH ADVISORS, LLC. | EP WEALTH ADVISORS, INC. | EP WEALTH ADVISORS | ENRIGHT PREMIER WEALTH ADVISORS, INC. | ENRIGHT PREMIER WEALTH ADVISORS

CRD#: 111147 / SEC#: 801-29358
RIA
Registered Investment Advisory firm - SEC (4/16/1987 Approved)

Contact Information

Main Address

21535 Hawthorne Blvd Suite 400, Torrance, CA 90503

Phone Number

(310) 543-4559

# of Employees

618

SEC notice filing (52 States and Territories)

Registered to provide investment advisory services in 52 US states and territories.

Documents

Customer Relationship Summary (CRS / SEC)Latest Form ADV

Part 2 Brochures

EP WEALTH ADVISORS, LLC FORM ADV PART 2A BROCHURE (4/1/2026)

Regulatory Assets Under Management

Total Number of Accounts

20,738

AUM (Assets Under Management)

$45,145,000,000

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Other business activities

Information obtained from regulatory filings. Advisors can request corrections through their firm or regulator.

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) Safe Harbor Credit Union; Not Investment Related; 1200 E Tinkham Ave, Ludington, MI 49431; Credit Union; Secretary; Reviewing and auditing financial reports, voting on large loan request, strategic growth planning, overall management oversight. 01/01/2021; 4 hrs/mo; 0 during trading hrs. 2) Connexion Point, Not Investment Related, Volunteer position, Treasurer, 8 hours per month devoted; 8 hours per month devoted during securities trading, assists with running reports and other necessary tasks as treasurer. 3) Executive Financial Planning, Inc., Ludington, MI, Investment Related, Fixed Insurance, Insurance Agent, 40 hours per month devoted, Fixed insurance sales 4) 4) Rotary Club of Ludington, Ludington, MI, Not Investment Related, Board member of Rotary Club, Board Member, Board Member effective 07/01/2024, Start Date 08/29/2017, 8 hours per month devoted, Attend meetings monthly to oversee the committees and events that Rotary supports and work on fundraising events as they arise. 4) PEO International. Not investment related. Address: P.E.O. International Executive Office 3700 Grand Avenue Des Moines, Iowa 50312, Nature: The P.E.O. Sisterhood is a U.S.-based international women's organization of about 197,000 members, with a primary focus on providing educational opportunities for female students worldwide. The Sisterhood is headquartered in Des Moines, Iowa, with chapters throughout the United States and Canada. Position: Vice President & Sister. Start: Jan 2026, Hours/Month: 8. Hours during trading: 2. Responsibilities: I will run the meetings when the President is not able, assist in initiation ceremonies and other fundraising events

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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".
EP WEALTH ADVISORS
EP WEALTH ADVISORS

ENRIGHT FINANCIAL CONSULTANTS INC | EP WEALTH ADVISORS, LLC. | EP WEALTH ADVISORS, INC. | EP WEALTH ADVISORS | ENRIGHT PREMIER WEALTH ADVISORS, INC. | ENRIGHT PREMIER WEALTH ADVISORS

CRD#: 111147 / SEC#: 801-29358
RIA
Registered Investment Advisory firm - SEC (4/16/1987 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.
IAR
California
(1/3/2025)
IAR
Michigan
(1/2/2025)

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.

Exams

Financial professionals may take different exams throughout their careers based on the types of services they provide and roles they perform.

Series 65 — Uniform Investment Adviser Law Examination

Passed Sep 2006About the Series 65 exam

Series 63 — Uniform Securities Agent State Law Examination

Passed May 2000About the Series 63 exam

SIE — Securities Industry Essentials Examination

Passed Oct 2018About the SIE exam

Series 7 — General Securities Representative Examination

Passed Feb 2002About the Series 7 exam

Series 6 — Investment Company Products/Variable Contracts Representative Examination

Passed May 2000About the Series 6 exam

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CRS (Client Relationship Summary) - RIA

EP WEALTH ADVISORS — Registered Investment Advisory firm

Version Date: Fri, Mar 31, 2023

EP WEALTH ADVISORS, LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (“SEC”). Registration with the SEC does not constitute an endorsement by the SEC, nor does it imply that EP Wealth Advisors, LLC has attained a certain level of skill or ability. Brokerage and investment advisory services and fees differ, and it is important for you to understand these differences. Free and simple tools are available to research firms and financial professionals at lnvestor.gov/CRS, which also provides educational materials about broker-dealers, investment advisors and investing.

EP Wealth Advisors, LLC (“EPWA”) provides discretionary portfolio managementservices and under limited circumstances nondiscretionary portfolio management services tailored to meet the needs and investment objectives of our clients. If you grant us Discretionary Authority, EPWA shall have full power and authority to rebalance your Managed Account(s) and to supervise and direct the investments in those Account(s), as determined in EPWA’s sole discretion, making and implementing investment decisions without prior consultation with Client. There are no material limitations to the discretionary authority provided to EPWA or the underlying investments that EPWA recommends. If you grant us Non-Discretionary Authority, EPWA’s responsibilities will be limited to providing you with periodic recommendations, including, rebalance recommendations and recommendations to purchase and/or sell securities in your Managed Account(s). You would be solely responsible for reviewing said recommendations and for notifying EPWA of your decision whether to approve or not any such recommendations. As part of our standard services, to both Discretionary and Non-Discretionary clients, we will monitor your portfolio on an ongoing basis, but no less than annually. The monitoring of your portfolio will be performed with no material limitations.

Our firm’s standard services include portfolio management services and financial planning and consulting services. These services may address subjects, including but not limited to, cash flow, wealth management/transfer strategies, estate planning, risk assessment, executive benefits and business succession/planning, children's education, 1031 tax exchanges, real estate/mortgages and retirement planning, family planning, insurance, tax planning, and investments. Our firm also offers tax preparation and filing services. If you choose to engage us for tax preparation services, you will enter into a separate agreement and may pay a separate fee in addition to the fees paid to EP Wealth Advisors for investment advisory and financial planning services. We also offer Retirement Plan Advisory Services. Our firm also provides advisory services to retirement plans subject to the Employee Retirement Income Security Act of 1974 ("ERISA"), including participant-directed defined contribution plans. Furthermore, at our discretion and in limited circumstances, to certain clients, we will offer EPWA Wrap Fee Program. In general, we require a minimum of $500,000 to open and maintain an advisory account. At our discretion, we may waive this minimum if you appear to have significant potential for increasing your assets under our management.


Questions to ask your Professional:

  • Given my financial situation, should I choose an investment advisory service? Why or why not?
  • How will you choose investments to recommend to me?
  • What is your relevant experience, including your licenses, education and other qualifications?
  • What do these qualifications mean?

You will pay an asset-based fee, fixed fee, combination of both, or a wrap fee (hereinafter referred to as “Advisory Fees”) for our Investment Management and Financial Planning Services. As a result, if you pay an asset based fee, the more assets there are in your account, the more you will pay in fees, and the firm and your Advisor may therefore have an incentive to encourage you to increase the assets in your account. The annual fee for portfolio management services is billed either quarterly in advance based on the market value of the assets under management on the last day of the preceding calendar quarter, quarterly in arrears (after the services have been provided) based on the market value of the assets under management (as described in the investment advisory agreement) on the last day of the calendar quarter. Our clients will pay fees whether you make or lose money on your investment accounts. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. The fees that you pay to our firm are separate and distinct from the fees and 2 expenses charged by mutual funds, exchange traded funds or the transaction charges and/or brokerage fees assigned by your respective account custodian. Our firm also offers, in limited circumstances, wrap fee program fees. The EPWA Wrap Fee Program will be offered to clients at EPWA’s discretion and in limited circumstances. This program is one under which specified fees that include securities transaction fees for certain mutual funds, custodial costs, administrative fees and trade-away fees (herein “Covered Costs”) are combined together with the client’s investment advisory fees. As such, these fees are consolidated into a single asset-based fee. Additionally, because of the consolidation of fees, the fee schedule assigned to wrap fee clients are usually higher than the typical asset-based advisory fee assigned to clients that are not EPWA Wrap Fee Program clients.


Questions to ask your Professional:

  • Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?

When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means. As a result of the way our Advisors are compensated, they are incentivized, therefore creating a conflict of interest, to move accounts that are not managed by our firm to our management or to encourage you to add assets to the accounts which we manage for you. For example, if you have assets in an account that is not managed by EPWA, your EPWA Advisor will be incentivized to recommend that the account be managed by EPWA. This may produce a recommendation to close, rollover, consolidate, or transfer the account. This recommendation creates a conflict of interest as it can increase the fee EPWA may earn, and analogously, the compensation of the respective advisor.


Questions to ask your Professional:

  • How might your conflicts of interest affect me, and how will you address them?

Our Advisors are compensated a percentage of the advisory fees we collect for the Investment Management and Financial Planning services we deliver. Our Advisors do not receive commission, trails, or any financial incentives for the securities we recommend. As a result of the way our Advisors are compensated, they are incentivized, therefore creating a conflict to move accounts to our management or add assets to the accounts which we manage for you.

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