Justin M. Terzo

LAKE STREET

Chicago, IL 60607

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CRD#: 5716648

Professional summary

Justin Michael Terzo, who also goes by Justin Terzo, is a registered financial advisor currently at LAKE STREET located in Chicago, Illinois.

Justin is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2009. Justin has worked at 4 firms and has passed the Series 66, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Justin Terzo

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.

Mr. Terzo is licensed as an insurance agent in Illinois and as such may offer and sell insurance products for a commission. This activity requires five hours, monthly. In addition, he is registered as a registered representative of FSIC, a registered broker-dealer and may recommend brokerage trades and receive commissions thereon. This activity takes approximately five hours, monthly.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Justin Michael Terzo'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

May 16, 2018 - Present

LAKE STREET

Office #1: 128 N. May Street Floor 2, Chicago, IL 60607

RIA

CRD#: 296761

Chicago, IL

Past

December 19, 2017 - June 15, 2018

UNITED ADVISORS SERVICES, LLC

RIA

CRD#: 150080

Chicago, IL

Past

December 15, 2017 - June 15, 2018

FSIC

CRD#: 37813

Chicago, IL

Past

December 12, 2009 - December 18, 2017

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

RIA

CRD#: 7691

CHICAGO, IL

Past

November 13, 2009 - December 18, 2017

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

CRD#: 7691

CHICAGO, IL

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".

LAKE STREET

CLARITY FINANCIAL GROUP | LAKE STREET PRIVATE WEALTH, LLC | LAKE STREET FINANCIAL, LLC | LAKE STREET | ELARIN WEALTH ADVISORS

CRD#: 296761 / SEC#: 801-113228

RIA

Registered Investment Advisory firm - (5/16/2018 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.

Highlighted states indicate IAR registrations

IAR

Illinois
(5/16/2018)

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

State Security Law Exam

IAR

Series 66

Date: 12/7/2009

Uniform Combined State Law Examination

General Industry/Product Exam

SIE

Date: 6/15/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 11/12/2009

General Securities Representative Examination

Current Firm

LAKE STREET

CLARITY FINANCIAL GROUP | LAKE STREET PRIVATE WEALTH, LLC | LAKE STREET FINANCIAL, LLC | LAKE STREET | ELARIN WEALTH ADVISORS

CRD#: 296761 / SEC#: 801-113228

RIA

Registered Investment Advisory firm - (5/16/2018 Approved)

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Contact information

Main Address

128 N. May Street Floor 2, Chicago, IL 60607

Mailing Address

Phone number

(312) 766-7040

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (16 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

LAKE STREET FINANCIAL (2/20/2025)

Regulatory assets under management

Total Number of Accounts	1,595
AUM (Assets Under Management)	$ 961,797,021

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
08/14/2025	Cover Page	Report
09/18/2024	Cover Page	Report
10/18/2023	Cover Page	Report
11/23/2022	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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Firm Stability Insights

Justin M. Terzo

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Justin Michael Terzo's CRS (Customer Relationship Summary).

Certified licenses

Experience

UNITED ADVISORS SERVICES, LLC

FSIC

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

Primary Firm SEC Registration

LAKE STREET

State Registrations and Notice Filings

Exams

Series 66

Date: 12/7/2009

SIE

Date: 6/15/2018

Series 7

Date: 11/12/2009

Current Firm

LAKE STREET

Contact information

SEC notice filing (16 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

LAKE STREET

TRUST BUT VERIFY

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