Matthew S. Carpenter

CFS FINANCIAL

Salem, MA 01970

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CRD#: 5849681

Professional summary

Matthew Scott Carpenter is a registered financial advisor currently at CFS FINANCIAL, LLC located in Salem, Massachusetts.

Matthew is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2011. Matthew has worked at 2 firms and has passed the Series 65, Series 63 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.

Owner of a consulting firm that guides families through the college admission and financial aid processes. Do NOT receive commissions.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Matthew Scott Carpenter'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®

None

Experience

Current

August 31, 2021 - Present

CFS FINANCIAL, LLC

Office #1: 10 Federal Street Suite 410, Salem, MA 01970

RIA

CRD#: 173972

Salem, MA

Past

February 12, 2015 - December 31, 2020

CFS FINANCIAL, LLC

RIA

CRD#: 173972

SALEM, MA

Past

January 24, 2011 - December 21, 2011

J.W. COLE FINANCIAL, INC.

CRD#: 124583

MEDFORD, MA

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

Massachusetts
(8/31/2021)

IAR

New Jersey
(9/3/2021)

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 65

Date: 9/16/2014

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 3/24/2011

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 7

Date: 1/22/2011

General Securities Representative Examination

Current Firm

CFS FINANCIAL, LLC

CARPENTER, MATTHEW | TRUTH CAPITAL, LLC | CFS FINANCIAL, LLC

CRD#: 173972 / SEC#:

Massachusetts

Registered Investment Advisory firm - (8/31/2021 Approved)

New Jersey

Registered Investment Advisory firm - (9/3/2021 Approved)

New York

Registered Investment Advisory firm - (3/27/2018 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).

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Contact information

Main Address

10 Federal Street Suite 410, Salem, MA 01970

Mailing Address

Phone number

(978) 609-0069

Established

Firm type

Fiscal year end

# of Employees

Documents

Latest Form ADV

Regulatory assets under management

Total Number of Accounts	9
AUM (Assets Under Management)	$ 1,350,000

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

Matthew S. Carpenter

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Matthew Scott Carpenter's CRS (Customer Relationship Summary).

Certified licenses

Experience

CFS FINANCIAL, LLC

CFS FINANCIAL, LLC

J.W. COLE FINANCIAL, INC.

State Registrations and Notice Filings

Exams

Series 65

Date: 9/16/2014

Series 63

Date: 3/24/2011

Series 7

Date: 1/22/2011

Current Firm

CFS FINANCIAL, LLC

Contact information

Documents

Regulatory assets under management

Red Flags

Company Information

CFS FINANCIAL, LLC

TRUST BUT VERIFY

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