Joseph B. Scharfbillig

CETERA INVESTMENT ADVISERS LLC

ST CLOUD, MN 56301

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CRD#: 4559017

Professional summary

Joseph B Scharfbillig, who also goes by Joe Scharfbillig, Joseph Benjamin Scharfbilliy, Joseph Benjamin Scharfbillig, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in St Cloud, Minnesota and CETERA WEALTH SERVICES, LLC located in St Cloud, Minnesota.

Joseph is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2004. Joseph has worked at 13 firms and has passed the Series 66, Series 63, Series 52TO, SIE, Series 7, Series 53, Series 24 and Series 4 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Joe Scharfbillig | Joseph Benjamin Scharfbilliy | Joseph Benjamin Scharfbillig

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 Joseph B Scharfbillig'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

October 30, 2025 - Present

CETERA INVESTMENT ADVISERS LLC

Office #1: 400 1st St S Ste 300, St Cloud, MN 56301

RIA

CRD#: 105644

ST CLOUD, MN

Current

September 2, 2025 - Present

CETERA WEALTH SERVICES, LLC

Office #1: 400 1st St S Ste 300, St Cloud, MN 56301

CRD#: 13572

St Cloud, MN

Current

September 2, 2025 - Present

CETERA ADVISORS LLC

Office #1: 400 1st St S Ste 300, St Cloud, MN 56301

CRD#: 10299

St Cloud, MN

Past

January 21, 2021 - July 3, 2025

LPL FINANCIAL LLC

RIA

CRD#: 6413

ST CLOUD, MN

Past

January 21, 2021 - July 3, 2025

LPL FINANCIAL LLC

CRD#: 6413

ST CLOUD, MN

Past

June 21, 2016 - March 11, 2019

SUMMIT BROKERAGE SERVICES, INC.

CRD#: 34643

ST CLOUD, MN

Past

June 21, 2016 - March 11, 2019

FIRST ALLIED SECURITIES, INC.

CRD#: 32444

ST CLOUD, MN

Past

June 21, 2016 - March 11, 2019

CETERA FINANCIAL SPECIALISTS LLC

CRD#: 10358

ST CLOUD, MN

Past

January 29, 2014 - January 22, 2021

CETERA INVESTMENT ADVISERS LLC

RIA

CRD#: 105644

ST CLOUD, MN

Past

January 17, 2014 - January 31, 2014

CETERA INVESTMENT SERVICES LLC

RIA

CRD#: 15340

ST CLOUD, MN

Past

November 14, 2012 - March 11, 2019

CETERA ADVISORS LLC

CRD#: 10299

ST CLOUD, MN

Past

November 12, 2012 - March 11, 2019

CETERA WEALTH SERVICES, LLC

CRD#: 13572

ST CLOUD, MN

Past

June 15, 2010 - December 31, 2013

CETERA INVESTMENT SERVICES LLC

RIA

CRD#: 15340

ST CLOUD, MN

Past

August 9, 2007 - November 18, 2009

BANCNORTH INVESTMENT GROUP, INC.

CRD#: 31299

ST. CLOUD, MN

Past

August 9, 2007 - December 31, 2010

GUARANTY BROKERAGE SERVICES, INC.

CRD#: 23302

ST. CLOUD, MN

Past

August 9, 2007 - January 22, 2021

CETERA INVESTMENT SERVICES LLC

CRD#: 15340

ST CLOUD, MN

Past

April 25, 2007 - July 13, 2007

SECURITIES AMERICA, INC.

CRD#: 10205

OMAHA, NE

Past

April 22, 2006 - April 30, 2007

TD AMERITRADE, INC.

CRD#: 7870

BELLEVUE, NE

Past

January 12, 2004 - April 22, 2006

TD AMERITRADE CLEARING, INC.

CRD#: 5633

BELLEVUE, NE

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

Minnesota
(9/2/2025)

IAR

Minnesota
(10/30/2025)

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: 1/2/2008

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 1/16/2004

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 52TO

Date: 1/2/2023

Municipal Securities Representative Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 1/9/2004

General Securities Representative Examination

Principal/Supervisory Exam

Series 53

Date: 11/12/2007

Municipal Securities Principal Examination

Principal/Supervisory Exam

Series 24

Date: 3/30/2006

General Securities Principal Examination

Principal/Supervisory Exam

Series 4

Date: 12/20/2005

Registered Options Principal 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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Joseph B. Scharfbillig

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joseph B Scharfbillig's CRS (Customer Relationship Summary).

Certified licenses

Experience

CETERA WEALTH SERVICES, LLC

CETERA ADVISORS LLC

LPL FINANCIAL LLC

LPL FINANCIAL LLC

SUMMIT BROKERAGE SERVICES, INC.

FIRST ALLIED SECURITIES, INC.

CETERA FINANCIAL SPECIALISTS LLC

CETERA INVESTMENT ADVISERS LLC

CETERA INVESTMENT SERVICES LLC

CETERA ADVISORS LLC

CETERA WEALTH SERVICES, LLC

CETERA INVESTMENT SERVICES LLC

BANCNORTH INVESTMENT GROUP, INC.

GUARANTY BROKERAGE SERVICES, INC.

CETERA INVESTMENT SERVICES LLC

SECURITIES AMERICA, INC.

TD AMERITRADE, INC.

TD AMERITRADE CLEARING, INC.

Primary Firm SEC Registration

CETERA INVESTMENT ADVISERS LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 1/2/2008

Series 63

Date: 1/16/2004

Series 52TO

Date: 1/2/2023

SIE

Date: 10/1/2018

Series 7

Date: 1/9/2004

Series 53

Date: 11/12/2007

Series 24

Date: 3/30/2006

Series 4

Date: 12/20/2005

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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