Margaret M. Whelehan

CETERA INVESTMENT ADVISERS LLC

PENFIELD, NY 14526

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CRD#: 4353279

Professional summary

Margaret Mary Whelehan, CFP®, who also goes by Margaret Mary Meyer, Margaret Meyer, Margaret M Whelehan, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Penfield, New York and CETERA INVESTMENT SERVICES LLC located in Penfield, New York.

Margaret is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2001. Margaret has worked at 8 firms and has passed the Series 63, Series 65, SIE, Series 7, Series 10 and Series 9 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Margaret Mary Meyer | Margaret Meyer | Margaret M Whelehan

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) Canadaigua National Bank, Outside RIA Affiliation, OBS Financial Services, IAR. 2) RELATIONSHIP MANAGER AT CANANDAIGUA NATIONAL BANK & TRUST, ACT AS A RELATIONSHIP MANAGER TO CLIENTS OF CANANDAIGUA NATIONAL BANK WEALTH MANAGEMENT, PROVIDE PLANNING AND RELATIONSHIP DEVELOPMENT, DOES NOT PLACE OR HANDLE SECURITIES TRANSACTIONS, DOES NOT RECOMMEND SPECIFIC SECURITIES TRANSACTIONS NOR MAKE INVESTMENT DECISIONS 3) DIVORCE PLANNING SPECIALIST FOR CANANDAIGUA NATIONAL BANK & TRUST, CONSULTING SERVICES FOR DIVORCE ANALYSIS USING CDFA CERTIFICATION, 2-5/HRS/WK

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Margaret Mary Whelehan'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: 2021

Experience

Current

April 23, 2018 - Present

CETERA INVESTMENT ADVISERS LLC

Office #1: 1816 Penfield Road, Penfield, NY 14526

RIA

CRD#: 105644

PENFIELD, NY

Current

April 17, 2018 - Present

CETERA INVESTMENT SERVICES LLC

Office #1: 1816 Penfield Road, Penfield, NY 14526

CRD#: 15340

Penfield, NY

Past

August 14, 2008 - September 6, 2017

OBS FINANCIAL

RIA

CRD#: 138615

CONCORD, CA

Past

June 18, 2007 - March 28, 2014

OBS BROKERAGE SERVICES, INC.

CRD#: 104281

PITTSFORD, NY

Past

July 12, 2006 - May 31, 2007

HSBC SECURITIES (USA) INC.

RIA

CRD#: 19585

EAST ROCHESTER, NY

Past

January 1, 2005 - May 31, 2007

HSBC SECURITIES (USA) INC.

CRD#: 19585

EAST ROCHESTER, NY

Past

August 4, 2004 - January 1, 2005

HSBC BROKERAGE (USA) INC.

CRD#: 6956

NEW YORK, NY

Past

January 24, 2002 - July 23, 2004

ESSEX NATIONAL SECURITIES, LLC

CRD#: 25454

NAPA, CA

Past

March 5, 2001 - January 9, 2002

CITIGROUP GLOBAL MARKETS INC.

CRD#: 7059

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".

CETERA INVESTMENT ADVISERS LLC

CRD#: 105644 / SEC#: 801-20406

RIA

Registered Investment Advisory firm - (1/13/1984 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
(3/14/2022)

Florida
(1/3/2019)

IAR

New Jersey
(4/23/2018)

New Jersey
(9/6/2018)

New York
(9/5/2018)

IAR

New York
(3/31/2021)

Texas
(4/11/2023)

IAR

Texas
(4/11/2023)

Virginia
(7/5/2022)

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

Series 63

Date: 8/31/2018

Uniform Securities Agent State Law Examination

State Security Law Exam

IAR

Series 65

Date: 4/13/2001

Uniform Investment Adviser Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 4/17/2018

General Securities Representative Examination

Principal/Supervisory Exam

Series 10

Date: 1/4/2005

General Securities Sales Supervisor - General Module Examination

Principal/Supervisory Exam

Series 9

Date: 12/24/2004

General Securities Sales Supervisor - Options Module Examination

SRO Registrations

FINRA

Current Firm

CETERA INVESTMENT ADVISERS LLC

CRD#: 105644 / SEC#: 801-20406

RIA

Registered Investment Advisory firm - (1/13/1984 Approved)

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Contact information

Main Address

1450 American Lane 6th Floor, Suite 650, Schaumburg, IL 60173-2096

Mailing Address

Phone number

(310) 257-7880

Established

Firm type

Fiscal year end

# of Employees

7,705

SEC notice filing (53 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Regulatory assets under management

Total Number of Accounts	584,487
AUM (Assets Under Management)	$ 163,792,814,520

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
10/27/2025	Cover Page	Report
12/13/2024	Cover Page	Report
09/26/2023	Cover Page	Report
11/18/2022	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

Margaret M. Whelehan

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Margaret Mary Whelehan's CRS (Customer Relationship Summary).

Certified licenses

Experience

CETERA INVESTMENT SERVICES LLC

OBS FINANCIAL

OBS BROKERAGE SERVICES, INC.

HSBC SECURITIES (USA) INC.

HSBC SECURITIES (USA) INC.

HSBC BROKERAGE (USA) INC.

ESSEX NATIONAL SECURITIES, LLC

CITIGROUP GLOBAL MARKETS INC.

Primary Firm SEC Registration

CETERA INVESTMENT ADVISERS LLC

State Registrations and Notice Filings

Exams

Series 63

Date: 8/31/2018

Series 65

Date: 4/13/2001

SIE

Date: 10/1/2018

Series 7

Date: 4/17/2018

Series 10

Date: 1/4/2005

Series 9

Date: 12/24/2004

FINRA

Current Firm

CETERA INVESTMENT ADVISERS LLC

Contact information

SEC notice filing (53 States and Territories)

Documents

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

CETERA INVESTMENT ADVISERS LLC

TRUST BUT VERIFY

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