Richard R. Loy

EMPOWER ADVISORY GROUP

IRMO, SC

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CRD#: 4207615

Professional summary

Richard Robert Loy is a registered financial advisor currently at EMPOWER ADVISORY GROUP, LLC located in Irmo, South Carolina and EMPOWER FINANCIAL SERVICES, INC. located in Columbia, South Carolina.

Richard is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2000. Richard has worked at 12 firms and has passed the Series 65, Series 63, Series 6TO, SIE, Series 31 and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

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. 05-18-2022-Palmetto Citizens Investment Services- Investment Related- AT Reported Business Location(s)- DBA for LPL Business (entity for LPL business)-

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Richard Robert Loy'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

August 30, 2022 - Present

EMPOWER ADVISORY GROUP, LLC

RIA

CRD#: 112058

IRMO, SC

Current

August 30, 2022 - Present

EMPOWER FINANCIAL SERVICES, INC.

Office #1: 200 Arbor Lake Drive Suite 201, Columbia, SC 29223

CRD#: 13109

COLUMBIA, SC

Past

May 18, 2022 - August 26, 2022

LPL FINANCIAL LLC

RIA

CRD#: 6413

COLUMBIA, SC

Past

May 18, 2022 - August 26, 2022

LPL FINANCIAL LLC

CRD#: 6413

COLUMBIA, SC

Past

July 3, 2018 - May 18, 2022

CUNA BROKERAGE SERVICES, INC.

RIA

CRD#: 13941

IRMO, SC

Past

April 24, 2017 - May 18, 2022

CUNA BROKERAGE SERVICES, INC.

CRD#: 13941

IRMO, SC

Past

February 4, 2016 - January 12, 2017

OSAIC FS, INC.

CRD#: 3870

COLUMBIA, SC

Past

July 17, 2012 - February 1, 2016

CAPITAL GUARDIAN, LLC

CRD#: 137919

CHARLOTTE, NC

Past

November 17, 2009 - July 20, 2012

WOODBURY FINANCIAL SERVICES, INC.

CRD#: 421

COLUMBIA, SC

Past

July 23, 2007 - June 19, 2008

WADDELL & REED

RIA

CRD#: 866

COLUMBIA, SC

Past

July 17, 2007 - June 19, 2008

WADDELL & REED

CRD#: 866

COLUMBIA, SC

Past

October 12, 2006 - July 9, 2007

SCOTTRADE, INC.

CRD#: 8206

COLUMBIA, SC

Past

June 30, 2006 - October 9, 2006

A. G. EDWARDS & SONS, INC.

RIA

CRD#: 4

COLUMBIA, SC

Past

June 30, 2006 - October 9, 2006

A. G. EDWARDS & SONS, INC.

CRD#: 4

COLUMBIA, SC

Past

March 3, 2006 - July 12, 2006

FIRST CITIZENS INVESTOR SERVICES, INC.

RIA

CRD#: 44430

CAYCE, SC

Past

March 3, 2006 - July 12, 2006

FIRST CITIZENS INVESTOR SERVICES, INC.

CRD#: 44430

CAYCE, SC

Past

August 6, 2002 - March 2, 2006

MORGAN STANLEY DW INC.

RIA

CRD#: 7556

COLUMBIA, SC

Past

November 20, 2000 - March 2, 2006

MORGAN STANLEY DW INC.

CRD#: 7556

PURCHASE, 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

South Carolina
(8/30/2022)

IAR

South Carolina
(8/30/2022)

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: 6/28/2018

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 12/21/2000

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 6TO

Date: 1/2/2023

Investment Company Products/Variable Contracts Representative Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 31

Date: 12/15/2000

Futures Managed Funds Examination

General Industry/Product Exam

Series 7

Date: 11/17/2000

General Securities 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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Firm Stability Insights

Richard R. Loy

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Richard Robert Loy's CRS (Customer Relationship Summary).

Certified licenses

Experience

EMPOWER FINANCIAL SERVICES, INC.

LPL FINANCIAL LLC

LPL FINANCIAL LLC

CUNA BROKERAGE SERVICES, INC.

CUNA BROKERAGE SERVICES, INC.

OSAIC FS, INC.

CAPITAL GUARDIAN, LLC

WOODBURY FINANCIAL SERVICES, INC.

WADDELL & REED

WADDELL & REED

SCOTTRADE, INC.

A. G. EDWARDS & SONS, INC.

A. G. EDWARDS & SONS, INC.

FIRST CITIZENS INVESTOR SERVICES, INC.

FIRST CITIZENS INVESTOR SERVICES, INC.

MORGAN STANLEY DW INC.

MORGAN STANLEY DW INC.

Primary Firm SEC Registration

EMPOWER ADVISORY GROUP, LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 6/28/2018

Series 63

Date: 12/21/2000

Series 6TO

Date: 1/2/2023

SIE

Date: 10/1/2018

Series 31

Date: 12/15/2000

Series 7

Date: 11/17/2000

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

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