Karen E. Varney

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CRD#: 5018848

Professional summary

Being a previously registered professional could mean that this person is no longer operating under the supervision of the SEC or FINRA.

That means that the Securities and Exchange Commission may not be able to oversee the services that this specific professional is providing.

Karen E Varney was a registered financial professional .

Karen is a previously registered financial professional and started their career in finance in 2006. Karen had worked at 1 firm and has passed the Series 11 exam.

Question & Answer

Are you a "fiduciary"?

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.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary)

The CRS(Customer Relationship Summary) document is not provided.

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

Past

January 25, 2006 - November 6, 2019

CURBSTONE FINANCIAL MANAGEMENT CORPORATION

CRD#: 13348

MANCHESTER, NH

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".

CURBSTONE FINANCIAL MANAGEMENT CORPORATION

CURBSTONE FINANCIAL CORPORATION | CURBSTONE FINANCIAL MANAGEMENT CORPORATION | CURBSTONE FINANCIAL MANAGEMENT CORP.

CRD#: 13348 / SEC#: 801-67354, 8-29418

RIA

Registered Investment Advisory firm - SEC (12/4/2006 Approved)

Maine

Registered Investment Advisory firm - SEC (12/11/2006 Terminated)

Massachusetts

Registered Investment Advisory firm - SEC (12/11/2006 Terminated)

New Hampshire

Registered Investment Advisory firm - SEC (12/7/2006 Terminated)

Vermont

Registered Investment Advisory firm - SEC (11/26/2003 Terminated)

Terminated by SEC on 12/21/2019

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.

Visual representation of state registrations

This advisor is not registered in any state.

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

General Industry/Product Exam

Series 11

Date: 1/24/2006

Assistant Representative-Order Processing Qualification Exam

Current Firm

CURBSTONE FINANCIAL MANAGEMENT CORPORATION

CURBSTONE FINANCIAL CORPORATION | CURBSTONE FINANCIAL MANAGEMENT CORPORATION | CURBSTONE FINANCIAL MANAGEMENT CORP.

CRD#: 13348 / SEC#: 801-67354, 8-29418

RIA

Registered Investment Advisory firm - SEC (12/4/2006 Approved)

Maine

Registered Investment Advisory firm - SEC (12/11/2006 Terminated)

Massachusetts

Registered Investment Advisory firm - SEC (12/11/2006 Terminated)

New Hampshire

Registered Investment Advisory firm - SEC (12/7/2006 Terminated)

Vermont

Registered Investment Advisory firm - SEC (11/26/2003 Terminated)

Terminated by SEC on 12/21/2019

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Contact information

Main Address

741 Chestnut Street, Manchester, NH 03104-3002

Mailing Address

Phone number

(603) 624-8462

Established

New Hampshire since 02/01/1983

Firm type

Corporation

Fiscal year end

March

# of Employees

SEC notice filing (9 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

FORM ADV PART 2A (6/13/2025)

Direct owners and executive officers

Name	Position	CRD#
LEWRY, THOMAS MOTT IV	PRESIDENT, CHIEF COMPLIANCE OFFICER, FINANCIAL OPERATIONS PRINCIPAL	308983

Regulatory assets under management

Total Number of Accounts	606
AUM (Assets Under Management)	$ 385,398,261

Disclosures

Regulatory Event

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
03/28/2025	Cover Page	Report
07/13/2023	Cover Page	Report
07/21/2022	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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Karen E. Varney

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary)

Certified licenses

Experience

CURBSTONE FINANCIAL MANAGEMENT CORPORATION

Primary Firm SEC Registration

CURBSTONE FINANCIAL MANAGEMENT CORPORATION

State Registrations and Notice Filings

Exams

Series 11

Date: 1/24/2006

Current Firm

CURBSTONE FINANCIAL MANAGEMENT CORPORATION

Contact information

SEC notice filing (9 States and Territories)

Documents

Part 2 Brochures

Direct owners and executive officers

Regulatory assets under management

Disclosures

Accountant surprise examination report

Red Flags

Company Information

CURBSTONE FINANCIAL MANAGEMENT CORPORATION

TRUST BUT VERIFY

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