Chris N Spencer

WELLS FARGO CLEARING SERVICES, LLC

DANVILLE, CA · CRD#

FALCON WEALTH PLANNING, LLC

San Jose, CA · CRD#

Contact Information

Direct

(xxx) xxx-xxxx

Email

xxxxx@xxxx.xxx

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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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Years of Experience

23 years registered in the securities industry

Current & Past Employments

Current

PRIVATE ADVISOR GROUP, LLCCurrent·CRD# 155216

RIA

350 W Julian St Bldg 3, San Jose, CA 95110

June 26, 2026 - Present

LPL FINANCIAL LLCCurrent·CRD# 6413

RIA

BD

1. El Dorado Hills, CA2. 350 W Julian St Bldg 3, San Jose, CA 95110

April 20, 2017 - Present

Past

MARINER ADVISOR NETWORKPast·CRD# 283824

RIA

San Jose, CA

April 20, 2017 - June 26, 2026

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATEDPast·CRD# 7691

RIA

San Jose, CA

October 23, 2009 - April 25, 2017

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATEDPast·CRD# 7691

BD

San Jose, CA

October 23, 2009 - April 25, 2017

BANC OF AMERICA INVESTMENT SERVICES, INC.Past·CRD# 16361

RIA

Morgan Hill, CA

November 27, 2006 - October 23, 2009

BANC OF AMERICA INVESTMENT SERVICES, INC.Past·CRD# 16361

BD

Morgan Hill, CA

November 24, 2006 - October 23, 2009

MORGAN STANLEY DW INC.Past·CRD# 7556

RIA

Santa Cruz, CA

January 26, 2004 - November 28, 2006

MORGAN STANLEY DW INC.Past·CRD# 7556

BD

Santa Cruz, CA

December 3, 2003 - November 28, 2006

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Customer Relationship Summary (CRS / SEC)Latest Form ADV

Current Firm

PA

PRIVATE ADVISOR GROUP, LLC

CRD#: 155216 / SEC#: 801-72060

RIA

Registered Investment Advisory firm - SEC (1/3/2011 Approved)

Contact Information

Main Address

305 Madison Avenue, Morristown, NJ 07960

Mailing Address

305 Madison Avenue Po Box 1820, Morristown, NJ 07962

Phone Number

(973) 538-7010

# of Employees

930

SEC notice filing (53 States and Territories)

Registered to provide investment advisory services in 53 US states and territories.

Documents

Part 2 Brochures

PART 2A - BROCHURE 0926 (9/30/2026)

PART 2A - APPENDIX WRAP FEE BROCHURE 0926 (9/30/2026)

Regulatory Assets Under Management

Total Number of Accounts

170,206

AUM (Assets Under Management)

$57,703,120,793

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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. 04/20/2017 - CAMINO ADVISORS/ DBA FOR LPL BUSINESS (ENTITY FOR LPL BUSINESS)/ 80%/ SAN JOSE, CA 2. 9/2/2021 - No Business Name - Investment Related - El Dorado Hills, CA 95762 & Merced Ave, South Lake Tahoe, CA 96150 - Real Estate Rental - Started 07/27/2021 - 2 Hours Per Month During Securities Trading. 3. 9/2/2021 - No Business Name - Investment Related - El Dorado Hills, CA 95762 & Nevada Ave, South Lake Tahoe, CA 96150 - Real Estate Rental - Started 07/27/2021 - 2 Hours Per Month During Securities Trading. 4. 9/2/2021 - No Business Name - Investment Related - El Dorado Hills, CA 95762 & San Jose, CA 95118 - Real Estate Rental - Started 07/27/2021 - 1 Hour Per Month During Securities Trading. 5. 06/29/2026 - Private Advisor Group - Investment Related - At Reported Business Location(s) - Registered Investment Advisor Hybrid - 160 Hours Per Month/ 160 Hours During Securities Trading - I provide investment advisory services through Private Advisor Group, an independent investment advisor firm. I started this business activity in 6/2026. I expect to spend approximately 160 hours per month on this activity. Please see the advisory firm's Form ADV for more information about its address, the nature of its business, its owners, and its services at http://www.adviserinfo.sec.gov/IAPD. The firm is separate from and independent of LPL Financial.

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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".

PA

PRIVATE ADVISOR GROUP, LLC

CRD#: 155216 / SEC#: 801-72060

RIA

Registered Investment Advisory firm - SEC (1/3/2011 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.

RR

indicates the advisor is registered as a Registered Representative in this state, allowing securities offerings such as stocks, bonds, and mutual funds through a broker-dealer.

RR

Arizona
(4/20/2017)

RR

Arkansas
(7/16/2025)

RR

California
(4/20/2017)

IAR

California
(6/26/2026)

RR

Indiana
(5/4/2017)

RR

Nevada
(4/20/2017)

RR

New Mexico
(4/28/2017)

RR

Texas
(4/20/2017)

IAR

Texas
(6/26/2026)

RR

Washington
(11/11/2021)

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

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

FINRA

SRO Registrations

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CRS (Client Relationship Summary) - RIA

PA

PRIVATE ADVISOR GROUP, LLC — Registered Investment Advisory firm

Version Date: Fri, Mar 01, 2024

Private Advisor Group (PAG) is registered with the U.S. Securities and Exchange Commission as an investment adviser. Investment advisory and brokerage services and fees differ, and it is important for you to understand the differences in order to choose which type of account is right for you. There are free and simple tools available to research firms and financial professionals at Investor.gov/CRS which also provides educational materials about investment advisers, broker-dealers, and investing.

PAG offers investment advisory services to retail investors, and our financial professionals are called Advisors. Some of the services we offer are wealth management, insurance consulting, and financial planning, and through these services, we can access investment products such as stocks, bonds, exchange-traded funds (ETFs), and mutual funds.
You will typically give us discretionary authority on your account by signing our Investment Advisory Agreement, which means your Advisor will make buy and sell decisions without calling you first, and your account will be monitored on an ongoing basis. If you do not give us discretionary authority or select a third-party advisory program, you will make the ultimate decision regarding the purchase or sale of investments and will need to speak with your Advisor prior to each transaction.
Our services include wrap fee programs and non-wrap fee programs. In some programs, advisory fees and trading costs are both paid by you – this is referred to as a nonwrap fee program. In a wrap-fee program, most advice fees, and trading costs are wrapped up into one fee – but this is usually higher than the advisory fee paid for a non-wrap-fee program.
PAG has no minimum account size or investment amount, but our Advisors may have minimums. There is no ongoing monitoring for limited scope engagements, such as creating a financial plan or consulting services. For more detailed information on services offered, please review PAG’s Part 2A Brochure and read Item 4 and 7.

Note: Some of our Advisors are registered representatives of LPL Financial LLC (“LPL”), an SEC registered broker-dealer and investment adviser. If so, your Advisor may offer you brokerage services through LPL or investment advisory services through PAG. Brokerage services and investment advisory services are different, and the fees we, and LPL, charge for those services are separate. It is important that you understand the differences. In particular, your Advisor may earn additional transaction-based compensation and have additional conflicts of interest as a result of providing brokerage services through LPL. You are encouraged to learn more about LPL by reviewing lpl.com/disclosures.html and having a discussion with your Financial Professional.

Questions to ask your Professional:

Given my financial situation, should I choose an investment advisory service? Should I choose a brokerage service? Should I choose both types of services? 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?

Percentage Fee: PAG generally charges a fee that is a percentage of the assets to be managed. The fee is negotiable, with a maximum annual fee of 2.25%. The fee is based on the value of the investments in your account and charged quarterly in advance. A fee that is a percentage of the assets to be managed may create a disincentive for your Advisor to perform additional work for a client because that work will not increase his or her compensation. Your Advisor may have an incentive to perform less work for clients with fewer assets. Since fees increase when assets increase, your Advisor has an incentive to encourage you to increase the assets in your account.
Flat Fee: PAG may also agree to charge a fixed or flat fee for its services, charging a specific dollar amount for a specific time period. A fixed fee may create a disincentive for your Advisor to perform additional work for you because that work will not increase his or her compensation.
Hourly Fee: PAG may also agree to charge an hourly fee for all time spent working on a client’s behalf. An hourly fee may create an incentive for your Advisor to perform additional work for the client because his or her compensation will increase with any additional work.
Wrap Fee and Non-Wrap Fee: If you are in a wrap fee program, trading costs will be charged to your Advisor, so he or she will have a disincentive to perform work for you by trading in your account. If you are in a non-wrap fee program, you will pay a per-transaction charge in addition to the percentage fee.
Subscription Fee: Your Advisor may provide publications or seminars for which you may be required to pay a subscription fee.
Custodian Fees: You will be charged fees by the custodian where your account is held for services such as account maintenance, and you should review the fee schedule published by the custodian for those specific fees.
If you use the services of a portfolio manager or third party investment advisory firms, you will be charged fees depending on the terms of your agreement with them.
You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please ask your Advisor for personalized information and make sure you understand what fees and costs you are paying.

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 some 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. Our firm makes money from advisory fees that our clients pay. This is a conflict of interest because those fees reduce your investment returns. Your financial professional may also make money outside of PAG, typically as a registered representative of a broker-dealer or an insurance agent and recommendations to utilize him or her in those roles create a conflict of interest.

Questions to ask your Professional:

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

Your Advisor receives a portion of the investment advisory fee you pay. This creates an incentive for your Advisor to encourage you to increase the assets in your account. The portion of the investment advisory fee paid to your Advisor will differ based on the advisory service or program. Your Advisor may also make money from related fields, but outside PAG. For example, if your Advisor is also a registered representative of LPL, they would earn commissions from buying and selling securities in a brokerage account. Your Advisor may also be an insurance agent, and would earn commissions for selling you policies or annuities. If so, your Advisor will also have an incentive to increase the assets in your brokerage account or your insurance contracts to make more money from those roles.

Your Advisor may attend business dinners, educational conferences, or social events where the costs are paid by investment companies, which creates an incentive for your Advisor to recommend those products.

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