Charlotte B. Sargeant

HERITAGE FINANCIAL ADVISORS

Waterville, OH 43566

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CRD#: 4679560

Professional summary

Charlotte Bowman Sargeant, who also goes by Charlotte B Sargeant, is a registered financial advisor currently at HERITAGE FINANCIAL ADVISORS, LLC located in Waterville, Ohio.

Charlotte is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2003. Charlotte has worked at 3 firms and has passed the Series 65 exam.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Charlotte B Sargeant

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.

NORTH COAST FINANCIAL ADVISORS,LTD/MANAGING MEMBER(2004-PRESENT)/INVESTMENT RELATED: YES/ENTITY OWNS 48% OF HERITAGE FINANCIAL ADVISORS, LLC (RIA)/160 HOURS PER MONTH DURING MARKET HOURS. SWISS CO., LTD./MANAGING MEMBER(2004-PRESENT)/INVESTMENT RELATED: NO/ENTITY IS ENGAGED IN COMMERCIAL REAL ESTATE./2-4 HOURS PER MONTH NOT DURING MARKET HOURS. INSURANCE AGENT/2000-PRESENT/FIXED INSURANCE PRODUCTS/4 HOURS PER MONTH DURING BUSINESS HOURS.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Charlotte Bowman Sargeant'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

September 15, 2010 - Present

HERITAGE FINANCIAL ADVISORS, LLC

Office #1: 103 North River Road Suite A, Waterville, OH 43566

RIA

CRD#: 154955

Waterville, OH

Past

July 12, 2006 - October 19, 2010

OBS FINANCIAL

RIA

CRD#: 138615

WHITEHOUSE, OH

Past

June 26, 2003 - July 12, 2006

OBS BROKERAGE SERVICES, INC.

RIA

CRD#: 104281

WATERVILLE, OH

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".

HERITAGE FINANCIAL ADVISORS, LLC

CRD#: 154955 / SEC#: 801-110101

RIA

Registered Investment Advisory firm - (3/8/2017 Approved)

Michigan

Registered Investment Advisory firm - (3/31/2020 Terminated)

Ohio

Registered Investment Advisory firm - (3/31/2020 Terminated)

Texas

Registered Investment Advisory firm - (3/30/2020 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

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.

Highlighted states indicate IAR registrations

IAR

Ohio
(9/15/2010)

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

State Security Law Exam

IAR

Series 65

Date: 9/30/1999

Uniform Investment Adviser Law Examination

Current Firm

HERITAGE FINANCIAL ADVISORS, LLC

CRD#: 154955 / SEC#: 801-110101

RIA

Registered Investment Advisory firm - (3/8/2017 Approved)

Michigan

Registered Investment Advisory firm - (3/31/2020 Terminated)

Ohio

Registered Investment Advisory firm - (3/31/2020 Terminated)

Texas

Registered Investment Advisory firm - (3/30/2020 Terminated)

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Contact information

Main Address

103 North River Road Suite A, Waterville, OH 43566

Mailing Address

Phone number

(419) 887-5887

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

HERITAGE FINANCIAL ADVISORS, LLC 2025 (3/26/2025)

Regulatory assets under management

Total Number of Accounts	469
AUM (Assets Under Management)	$ 171,693,320

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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Charlotte B. Sargeant

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Charlotte Bowman Sargeant's CRS (Customer Relationship Summary).

Certified licenses

Experience

HERITAGE FINANCIAL ADVISORS, LLC

OBS FINANCIAL

OBS BROKERAGE SERVICES, INC.

Primary Firm SEC Registration

HERITAGE FINANCIAL ADVISORS, LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 9/30/1999

Current Firm

HERITAGE FINANCIAL ADVISORS, LLC

Contact information

SEC notice filing (1 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

HERITAGE FINANCIAL ADVISORS, LLC

TRUST BUT VERIFY

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