Andrew J. Gardner

CETERA INVESTMENT ADVISERS LLC

CROMWELL, CT 06416

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CRD#: 5159660

Professional summary

Andrew Jacob Gardner, AIF®, who also goes by Andrew Gardner, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Cromwell, Connecticut and CETERA WEALTH SERVICES, LLC located in Cromwell, Connecticut.

Andrew is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2006. Andrew has worked at 7 firms and has passed the Series 65, Series 63, SIE, Series 7 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Andrew Gardner

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) NAME OF OTHER BUSINESS: FIXED INSURANCE WITH VARIOUS COMPANIES INVESTMENT RELATED: YES ADDRESS: SAME AS REGISTERED LOCATION NATURE OF BUSINESS: FIXED INSURANCE START DATE: 09/2014 APX NUMBER OF HOURS PER WEEK: VARIES APX NUMBER OF HOURS DURING TRADING HOURS: VARIES POSITION/TITLE/RELATIONSHIP: INSURANCE AGENT BRIEF DESCRIPTION OF DUTIES: SELLS LIFE, DISABILITY, ANNUITIES AND LONG TERM CARE; AUTO, HOME AND FLOOD. (2) NAME OF OTHER BUSINESS: RELIANCE WEALTH MANAGEMENT; INVESTMENT RELATED: YES; ADDRESS: SAME AS REGISTERED LOCATION; NATURE OF BUSINESS: FINANCIAL SERVICES DBA; START DATE: 04/2019; POSITION/TITLE/RELATIONSHIP: VICE PRESIDENT / WEALTH MANAGER; APX NUMBER OF HOURS PER WEEK: 50; APX NUMBER OF HOURS DURING TRADING HOURS: 50; BRIEF DESCRIPTION OF DUTIES: FINANCIAL SERVICES;

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Andrew Jacob Gardner'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®

AIF^®

Accredited Investment Fiduciary

Experience

Current

June 29, 2023 - Present

CETERA INVESTMENT ADVISERS LLC

Office #1: 154 West Street Suite A, Cromwell, CT 06416

RIA

CRD#: 105644

CROMWELL, CT

Current

October 8, 2014 - Present

CETERA WEALTH SERVICES, LLC

Office #1: 154 West Street Suite A, Cromwell, CT 06416

CRD#: 13572

Cromwell, CT

Past

October 8, 2014 - June 29, 2023

CETERA WEALTH SERVICES, LLC

RIA

CRD#: 13572

CHESTER, CT

Past

July 22, 2013 - October 17, 2014

PARK AVENUE SECURITIES LLC

RIA

CRD#: 46173

MADISON, CT

Past

July 3, 2013 - October 17, 2014

PARK AVENUE SECURITIES LLC

CRD#: 46173

MADISON, CT

Past

October 30, 2012 - May 28, 2013

LPL FINANCIAL LLC

RIA

CRD#: 6413

NEW HAVEN, CT

Past

October 30, 2012 - May 28, 2013

LPL FINANCIAL LLC

CRD#: 6413

NEW HAVEN, CT

Past

December 3, 2010 - November 2, 2012

MML INVESTORS SERVICES, LLC

RIA

CRD#: 10409

FARMINGTON, CT

Past

November 29, 2010 - November 2, 2012

MML INVESTORS SERVICES, LLC

CRD#: 10409

FARMINGTON, CT

Past

August 23, 2006 - December 3, 2010

MSI FINANCIAL SERVICES, INC.

RIA

CRD#: 14251

WETHERSFIELD, CT

Past

June 26, 2006 - July 9, 2007

METROPOLITAN LIFE INSURANCE COMPANY

CRD#: 4095

SHELTON, CT

Past

June 26, 2006 - December 3, 2010

MSI FINANCIAL SERVICES, INC.

CRD#: 14251

WETHERSFIELD, CT

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

California
(10/8/2014)

Connecticut
(10/8/2014)

IAR

Connecticut
(6/29/2023)

Florida
(10/17/2016)

Illinois
(10/2/2020)

Maine
(11/15/2023)

Maryland
(1/29/2018)

Massachusetts
(10/8/2014)

New Hampshire
(8/9/2019)

New York
(10/8/2014)

North Carolina
(1/8/2018)

Rhode Island
(1/2/2019)

Texas
(8/16/2021)

IAR

Texas
(6/29/2023)

Utah
(9/19/2022)

Washington
(2/27/2024)

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: 8/21/2006

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 7/24/2006

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: 6/21/2010

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 6/23/2006

Investment Company Products/Variable Contracts Representative 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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Advisor Monitoring

Firm Stability Insights

Andrew J. Gardner

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Andrew Jacob Gardner's CRS (Customer Relationship Summary).

Certified licenses

Experience

CETERA WEALTH SERVICES, LLC

CETERA WEALTH SERVICES, LLC

PARK AVENUE SECURITIES LLC

PARK AVENUE SECURITIES LLC

LPL FINANCIAL LLC

LPL FINANCIAL LLC

MML INVESTORS SERVICES, LLC

MML INVESTORS SERVICES, LLC

MSI FINANCIAL SERVICES, INC.

METROPOLITAN LIFE INSURANCE COMPANY

MSI FINANCIAL SERVICES, INC.

Primary Firm SEC Registration

CETERA INVESTMENT ADVISERS LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 8/21/2006

Series 63

Date: 7/24/2006

SIE

Date: 10/1/2018

Series 7

Date: 6/21/2010

Series 6

Date: 6/23/2006

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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