Monica E. Zamfir

SCHWAB WEALTH ADVISORY

Mclean, VA 22102

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CRD#: 5414679

Professional summary

Monica Elena Zamfir, CFP®, who also goes by Monica Elena Rosianu, is a registered financial advisor currently at SCHWAB WEALTH ADVISORY, INC. located in Mclean, Virginia and CHARLES SCHWAB & CO., INC. located in Tysons Corner, Virginia.

Monica is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2007. Monica has worked at 15 firms and has passed the Series 65, Series 63, Series 6TO, SIE, Series 7 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Monica Elena Rosianu

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. GEBA (Government Employees' Benefit Association) since 7/1/2022; located at 1362 Mellon Rd #100 Hanover MD 21076; investment and insurance business responsible for financial planning, advisory services and investment guidance. 80 hours per month with all during trading hours. 2. TRUECHOICE FINANCIAL GROUP since 7/1/2022; located at 1362 Mellon Rd #100 Hanover MD 21076; life insurance and fixed annuities business reviewing GEBA members' financial plans, identify insurance and fixed annuity needs and writing contracts as applicable. 20 hours per month with all during trading hours.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Monica Elena Zamfir'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®

CFP^®

Certified Financial Planner

Start date: 2018

Experience

Current

August 6, 2025 - Present

SCHWAB WEALTH ADVISORY, INC.

Office #1: 1650 Tysons Blvd Ste 500, Mclean, VA 22102

RIA

CRD#: 159035

Mclean, VA

Current

August 6, 2025 - Present

CHARLES SCHWAB & CO., INC.

Office #1: 1650 Tysons Blvd Suite 150, Tysons Corner, VA 22102-4856

RIA

CRD#: 5393

Tysons Corner, VA

Past

January 5, 2023 - May 12, 2025

AMERICAN GLOBAL WEALTH MANAGEMENT, INC.

CRD#: 7388

HANOVER, MD

Past

July 26, 2022 - May 12, 2025

CAPE INVESTMENT ADVISORY, INC.

RIA

CRD#: 146384

HANOVER, MD

Past

July 22, 2022 - January 2, 2023

CAPE SECURITIES INC.

CRD#: 7072

Hanover, MD

Past

August 25, 2020 - June 22, 2022

FIDELITY PERSONAL AND WORKPLACE ADVISORS

RIA

CRD#: 288590

BETHESDA, MD

Past

August 4, 2020 - June 17, 2022

FIDELITY BROKERAGE SERVICES LLC

CRD#: 7784

BETHESDA, MD

Past

May 29, 2019 - June 23, 2020

TD AMERITRADE, INC.

RIA

CRD#: 7870

North Bethesda, MD

Past

May 29, 2019 - June 23, 2020

TD AMERITRADE INVESTMENT MANAGEMENT, LLC

RIA

CRD#: 111514

North Bethesda, MD

Past

May 24, 2019 - June 23, 2020

TD AMERITRADE, INC.

CRD#: 7870

North Bethesda, MD

Past

November 1, 2018 - May 22, 2019

EDELMAN FINANCIAL ENGINES

RIA

CRD#: 104510

BETHESDA, MD

Past

September 19, 2016 - November 1, 2018

EDELMAN FINANCIAL SERVICES, LLC

RIA

CRD#: 113299

BETHESDA, MD

Past

April 22, 2016 - October 31, 2018

RETIREONE INVESTMENT SERVICES, LLC

CRD#: 269923

BETHESDA, MD

Past

June 23, 2015 - April 22, 2016

SANDERS MORRIS LLC

CRD#: 20580

BETHESDA, MD

Past

October 23, 2009 - October 18, 2012

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

CRD#: 7691

LINCOLN, RI

Past

October 19, 2007 - October 23, 2009

BANC OF AMERICA INVESTMENT SERVICES, INC.

CRD#: 16361

LINCOLN, RI

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".

SCHWAB WEALTH ADVISORY, INC.

SCHWAB PRIVATE CLIENT INVESTMENT ADVISORY, INC. | SCHWAB WEALTH ADVISORY, INC.

CRD#: 159035 / SEC#: 801-72795

RIA

Registered Investment Advisory firm - (12/9/2011 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.

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

Delaware
(8/6/2025)

District of Columbia
(8/6/2025)

Florida
(8/6/2025)

Georgia
(8/6/2025)

Maryland
(8/6/2025)

IAR

Maryland
(8/6/2025)

New Jersey
(8/6/2025)

New York
(8/6/2025)

Pennsylvania
(8/6/2025)

South Carolina
(8/6/2025)

IAR

Texas
(8/6/2025)

Virginia
(8/6/2025)

IAR

Virginia
(8/6/2025)

West Virginia
(8/6/2025)

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: 8/23/2016

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 8/14/2015

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 6TO

Date: 1/5/2023

Investment Company Products/Variable Contracts Representative Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 6/22/2016

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 6/23/2015

Investment Company Products/Variable Contracts Representative Examination

SRO Registrations

FINRA

SRO Registrations

Nasdaq Stock Market

Current Firm

SCHWAB WEALTH ADVISORY, INC.

SCHWAB PRIVATE CLIENT INVESTMENT ADVISORY, INC. | SCHWAB WEALTH ADVISORY, INC.

CRD#: 159035 / SEC#: 801-72795

RIA

Registered Investment Advisory firm - (12/9/2011 Approved)

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Contact information

Main Address

211 Main Street, San Francisco, CA 94105-1901

Mailing Address

Phone number

(415) 667-7000

Established

Firm type

Fiscal year end

# of Employees

1,042

SEC notice filing (53 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

SCHWAB WEALTH ADVISORY, INC. DISCLOSURE BROCHURE (9/23/2025)

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

Monica E. Zamfir

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Monica Elena Zamfir's CRS (Customer Relationship Summary).

Certified licenses

Experience

CHARLES SCHWAB & CO., INC.

AMERICAN GLOBAL WEALTH MANAGEMENT, INC.

CAPE INVESTMENT ADVISORY, INC.

CAPE SECURITIES INC.

FIDELITY PERSONAL AND WORKPLACE ADVISORS

FIDELITY BROKERAGE SERVICES LLC

TD AMERITRADE, INC.

TD AMERITRADE INVESTMENT MANAGEMENT, LLC

TD AMERITRADE, INC.

EDELMAN FINANCIAL ENGINES

EDELMAN FINANCIAL SERVICES, LLC

RETIREONE INVESTMENT SERVICES, LLC

SANDERS MORRIS LLC

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

BANC OF AMERICA INVESTMENT SERVICES, INC.

Primary Firm SEC Registration

SCHWAB WEALTH ADVISORY, INC.

State Registrations and Notice Filings

Exams

Series 65

Date: 8/23/2016

Series 63

Date: 8/14/2015

Series 6TO

Date: 1/5/2023

SIE

Date: 10/1/2018

Series 7

Date: 6/22/2016

Series 6

Date: 6/23/2015

FINRA

Nasdaq Stock Market

Current Firm

SCHWAB WEALTH ADVISORY, INC.

Contact information

SEC notice filing (53 States and Territories)

Documents

Part 2 Brochures

Red Flags

Company Information

SCHWAB WEALTH ADVISORY, INC.

TRUST BUT VERIFY

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