Lucian C. Harbar

SPECTRUM FINANCIAL RESOURCES

St. Clair Shores, MI 48080

Some features on this profile are disabled

CRD#: 5053871

Professional summary

Lucian Christopher Harbar II is a registered financial advisor currently at SPECTRUM FINANCIAL RESOURCES located in St. Clair Shores, Michigan and UNITED PLANNERS' FINANCIAL SERVICES OF AMERICA A LIMITED PARTNER located in St. Clair Shores, Michigan.

Lucian is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2006. Lucian has worked at 5 firms and has passed the Series 65, Series 63, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

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.

1.) BUNCH TAX SERVICE - OWNER - TAX PREPARATION & ACCOUNTING SERVICE - ST. CLAIR SHORES - SINCE 01/2003 - NOT INVESTMENT RELATED 2.) SPECTRUM FINANCIAL - FINANCIAL ADVISOR - FINANCIAL SERVICES - ST. CLAIR SHORES - SINCE 12/2017 - INVESTMENT RELATED 3.) LUCIAN HARBAR INDEPENDENT INSURANCE - AGENT - NON-VARIABLE INSURANCE - ST. CLAIR SHORES - SINCE 12/2017 - INVESTMENT RELATED 4.) UNITED PLANNERS FINANCIAL SERVICES - REGISTERED REPRESENTATIVE - SECURITIES SALES - ST. CLAIR SHORES - SINCE 12/2017 - INVESTMENT RELATED 5.) 22611 MACK AVE LLC - 50% OWNER, JIM WILLIAMS 50% OWNER - REAL ESTATE SALES/RENTAL PROPERTIES/PROPERTY MANAGEMENT - ST. CLAIR SHORES, MI - 02/2021 - INVESTMENT RELATED

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Lucian Christopher Harbar II'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

January 15, 2019 - Present

SPECTRUM FINANCIAL RESOURCES

Office #1: 22611 Greater Mack Ave., St. Clair Shores, MI 48080

RIA

CRD#: 127453

St. Clair Shores, MI

Current

November 21, 2017 - Present

UNITED PLANNERS' FINANCIAL SERVICES OF AMERICA A LIMITED PARTNER

Office #1: 22611 Greater Mack Ave., St. Clair Shores, MI 48080

RIA

CRD#: 20804

St. Clair Shores, MI

Past

November 17, 2010 - May 22, 2017

SECURITIES AMERICA ADVISORS, INC.

RIA

CRD#: 110518

St. Clair Shores, MI

Past

November 8, 2010 - May 22, 2017

SECURITIES AMERICA, INC.

CRD#: 10205

St. Clair Shores, MI

Past

July 23, 2010 - September 29, 2010

EQUITAS AMERICA, LLC

RIA

CRD#: 39806

EASTPOINTE, MI

Past

January 18, 2006 - September 29, 2010

EQUITAS AMERICA, LLC

CRD#: 39806

EASTPOINTE, MI

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".

SPECTRUM FINANCIAL RESOURCES

SPECTRUM FINANCIAL RESOURCE, LLC | SPECTRUM FINANCIAL RESOURCES, LLC | SPECTRUM FINANCIAL RESOURCES

CRD#: 127453 / SEC#: 801-126271

RIA

Registered Investment Advisory firm - (8/23/2022 Approved)

Michigan

Registered Investment Advisory firm - (9/7/2022 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.

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

Florida
(4/30/2021)

Michigan
(11/21/2017)

IAR

Michigan
(1/15/2019)

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 65

Date: 6/22/2010

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 10/12/2006

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 1/17/2006

General Securities Representative Examination

SRO Registrations

FINRA

Current Firm

SPECTRUM FINANCIAL RESOURCES

SPECTRUM FINANCIAL RESOURCE, LLC | SPECTRUM FINANCIAL RESOURCES, LLC | SPECTRUM FINANCIAL RESOURCES

CRD#: 127453 / SEC#: 801-126271

RIA

Registered Investment Advisory firm - (8/23/2022 Approved)

Michigan

Registered Investment Advisory firm - (9/7/2022 Terminated)

Upgrade to AdvisorCheck Premium

Get A Biweekly Pulse, AutomaticallyReceive biweekly alerts automatically. Stay informed and proactive.

Catch Firm-Level Red Flags SoonerCatch leadership changes and disclosures early, before issues escalate.

See Trends. Not Just SnapshotsMonitor firm stability metrics like AUM and advisor ratios over time.

Contact information

Main Address

1661 W. Big Beaver, Troy, MI 48084

Mailing Address

Phone number

(248) 643-0033

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (2 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

FORM ADV PART 2A (4/21/2025)

Regulatory assets under management

Total Number of Accounts	1,188
AUM (Assets Under Management)	$ 206,606,422

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.

Similar Advisors

Jack Jerzewski

LPL ENTERPRISE, LLC

IAR

TROY, MI

Avery Marsh

PFS INVESTMENTS INC.

Troy, MI

John Lappin

PFS INVESTMENTS INC.

Troy, MI

We're Here To Help

Advisor Monitoring

Firm Stability Insights

Lucian C. Harbar

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Lucian Christopher Harbar II's CRS (Customer Relationship Summary).

Certified licenses

Experience

UNITED PLANNERS' FINANCIAL SERVICES OF AMERICA A LIMITED PARTNER

SECURITIES AMERICA ADVISORS, INC.

SECURITIES AMERICA, INC.

EQUITAS AMERICA, LLC

EQUITAS AMERICA, LLC

Primary Firm SEC Registration

SPECTRUM FINANCIAL RESOURCES

State Registrations and Notice Filings

Exams

Series 65

Date: 6/22/2010

Series 63

Date: 10/12/2006

SIE

Date: 10/1/2018

Series 7

Date: 1/17/2006

FINRA

Current Firm

SPECTRUM FINANCIAL RESOURCES

Contact information

SEC notice filing (2 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

SPECTRUM FINANCIAL RESOURCES

TRUST BUT VERIFY

Similar Advisors