HR
Howard J. Rubin
CETERA INVESTMENT ADVISERS LLC
RANCHO MIRAGE, CA
Some features on this profile are disabled
CRD#: 5836057
HR
Professional summary
Howard Jay Rubin, CFP®, CLU®, who also goes by Howard Rubin, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Rancho Mirage, California and CETERA ADVISORS LLC located in Idyllwild, California.
Howard is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2010. Howard has worked at 5 firms and has passed the Series 65, Series 63, SIE, Series 7 and Series 6 exams.
Question & Answer
Are you a "fiduciary"?
Yes
Aliases
Howard Rubin
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: 08/2010 APX NUMBER OF HOURS PER WEEK: 10, APX NUMBER OF HOURS DURING TRADING HOURS: 10, POSITION/TITLE/RELATIONSHIP: INSURANCE AGENT , BRIEF DESCRIPTION OF DUTIES: SELLS LIFE, FIXED ANNUITIES AND LONG-TERM CARE: 2.NAME OF OTHER BUSINESS: ENSIGN FINANCIAL PARTNERS , INVESTMENT RELATED: YES, ADDRESS: 111 EAST RIVULON BLVD, SUITE 103, GILBERT, AZ, 82595 NATURE OF BUSINESS: FINANCIAL SERVICES, START DATE: 02/2022, POSITION/TITLE/RELATIONSHIP: FINANCIAL PROFESSIONAL, APX NUMBER OF HOURS PER WEEK: 30, APX NUMBER OF HOURS DURING TRADING HOURS: 30, BRIEF DESCRIPTION OF DUTIES: DBA FOR FINANCIAL SERVICES; 3.NAME OF OTHER BUSINESS: ENSIGN PARTNERS, INVESTMENT RELATED: YES, ADDRESS: SAME AS REGISTERED LOCATION, NATURE OF BUSINESS: INTEGRATED INSURANCE, TAX AND LEGAL STRATEGIES, START DATE: 02/2022, POSITION/TITLE/RELATIONSHIP: ASSOCIATE, APX NUMBER OF HOURS PER WEEK: 15, APX NUMBER OF HOURS DURING TRADING HOURS: 15, BRIEF DESCRIPTION OF DUTIES: ENRICHING OUR COMMUNITY THROUGH INTEGRATED ADVICE AND EXCEPTIONAL EXPERIENCES; 4. NAME OF OTHER BUSINESS: TRANSITIONS LIFE PLANNING, INVESTMENT RELATED: NO, ADDRESS: 55517 HOWLAND RD, #3700, IDYLLWILD, CA, 92549, NATURE OF BUSINESS: LIFE COACHING, START DATE: 02/2023, POSITION/TITLE/RELATIONSHIP: OWNER, APX NUMBER OF HOURS PER WEEK: 5, NOT DURING TRADING HOURS, BRIEF DESCRIPTION OF DUTIES: COACHING PEOPLE AS THEY GO THROUGH LIFE'S MAJOR TRANSITIONS; 5. NAME OF OTHER BUSINESS: HOWARD JAY MAGICIAN, INVESTMENT RELATED: NO, ADDRESS: 55517 HOWLAND RD, #3700, IDYLLWILD, CA, 92549, NATURE OF BUSINESS: ENTERTAINMENT, START DATE: 03/1971, POSITION/TITLE/RELATIONSHIP: MAGICIAN, APX NUMBER OF HOURS PER WEEK: 1, NOT DURING TRADING HOURS, BRIEF DESCRIPTION OF DUTIES: PERFORM MAGIC SHOWS FOR ENTERTAINMENT; 6. NAME OF OTHER BUSINESS: TRANSITIONS FINANCIAL PLANNING ; INVESTMENT RELATED: YES; ADDRESS: SAME AS REGISTERED LOCATION; NATURE OF BUSINESS: FINANCIAL SERVICES; START DATE 07/2023:; POSITION/TITLE/RELATIONSHIP: OWNER/FINANCIAL PROFESSIONAL; APX NUMBER OF HOURS PER WEEK: 40; APX NUMBER OF HOURS DURING TRADING HOURS: 32.5; BRIEF DESCRIPTION OF DUTIES: DBA FOR FINANCIAL SERVICES; 7. NAME OF OTHER BUSINESS: WINGS FOR WIDOWS; INVESTMENT RELATED: NO; ADDRESS: 27 CHANDRA LANE RANCHO MIRAGE, CA 92270; NATURE OF BUSINESS: PROBONO FINANCIAL EDUCATION; START DATE: 07/2024; POSITION/TITLE/RELATIONSHIP: PRO BONO COACH; APX NUMBER OF HOURS PER WEEK: 1; APX NUMBER OF HOURS DURING TRADING HOURS: 1; BRIEF DESCRIPTION OF DUTIES: ENTAILS MEETINGS WITH WIDOWS TO PROVIDE EDUCATION AND ASSESSMENT OF THEIR FINANCIAL WELLNESS;
CRS (Client Relationship Summary) - RIA
Click below to view Howard Jay Rubin's 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®
Start date: 2013
Experience
Current
March 21, 2024 - Present
CETERA INVESTMENT ADVISERS LLC
RIA
CRD#: 105644
RANCHO MIRAGE, CA
Current
January 27, 2023 - Present
CETERA ADVISORS LLC
BD
CRD#: 10299
Idyllwild, CA
Past
January 27, 2023 - March 21, 2024
CETERA ADVISORS LLC
RIA
CRD#: 10299
Idyllwild, CA
Past
June 29, 2022 - February 16, 2023
ONEAMERICA SECURITIES, INC.
RIA
CRD#: 4173
Idyllwild, CA
Past
June 28, 2022 - February 16, 2023
ONEAMERICA SECURITIES, INC.
BD
CRD#: 4173
INDIANAPOLIS, IN
Past
March 25, 2017 - June 30, 2022
MML INVESTORS SERVICES, LLC
RIA
CRD#: 10409
Brea, CA
Past
March 25, 2017 - June 30, 2022
MML INVESTORS SERVICES, LLC
BD
CRD#: 10409
Brea, CA
Past
April 25, 2012 - March 25, 2017
MSI FINANCIAL SERVICES, INC.
RIA
CRD#: 14251
MURRIETA, CA
Past
September 6, 2010 - March 25, 2017
MSI FINANCIAL SERVICES, INC.
BD
CRD#: 14251
MURRIETA, CA
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".
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
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.RR
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
RR
Alabama(1/27/2023)
RR
Arizona(1/27/2023)
RR
California(1/27/2023)
IAR
California(3/21/2024)
RR
Florida(1/27/2023)
RR
Maine(1/27/2023)
RR
Nevada(1/27/2023)
RR
New Jersey(1/27/2023)
RR
New York(7/9/2025)
RR
Oregon(1/27/2023)
RR
Tennessee(7/14/2023)
RR
Texas(1/27/2023)
IAR
Texas(3/21/2024)
RR
Washington(2/17/2023)
Exams
State Security Law Exam
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
SRO Registrations
RR
FINRA
Current Firm
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
CRD#: 105644 / SEC#: 801-20406
RIA
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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)
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 | ||
| 12/13/2024 | ||
| 09/26/2023 | ||
| 11/18/2022 |
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.
