Denise S. Chai

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CRD#: 5920263

Professional summary

Being a previously registered professional could mean that this person is no longer operating under the supervision of the SEC or FINRA.

That means that the Securities and Exchange Commission may not be able to oversee the services that this specific professional is providing.

Denise Sara Chai, CFA was a registered financial professional .

Denise is a previously registered financial professional and started their career in finance in 2011. Denise had worked at 2 firms and has passed the Series 63, SIE, Series 7 and Series 87 exams.

Question & Answer

Are you a "fiduciary"?

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.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary)

The CRS(Customer Relationship Summary) document is not provided.

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFA

Chartered Financial Analyst

Experience

Past

September 14, 2020 - August 31, 2023

APTUS FINANCIAL, LLC

RIA

CRD#: 280033

LITTLE ROCK, AR

Past

September 27, 2011 - December 5, 2017

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

CRD#: 7691

NEW YORK, NY

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".

APTUS FINANCIAL, LLC

CRD#: 280033 / SEC#: 801-120751

RIA

Registered Investment Advisory firm - (4/9/2021 Approved)

Arkansas

Registered Investment Advisory firm - (5/3/2021 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).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

Visual representation of state registrations

This advisor is not registered in any state.

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

Series 63

Date: 8/5/2011

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 12/5/2017

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 9/26/2011

General Securities Representative Examination

General Industry/Product Exam

Series 87

Date: 8/22/2011

Research Analyst Exam - Part II Regulations Module

Current Firm

APTUS FINANCIAL, LLC

CRD#: 280033 / SEC#: 801-120751

RIA

Registered Investment Advisory firm - (4/9/2021 Approved)

Arkansas

Registered Investment Advisory firm - (5/3/2021 Terminated)

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Contact information

Main Address

Little Rock, AR

Mailing Address

Po Box 251510, Little Rock, AR 72225

Phone number

(501) 907-1993

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (32 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

APTUS FINANCIAL BROCHURE (2/10/2026)

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

Denise S. Chai

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary)

Certified licenses

Experience

APTUS FINANCIAL, LLC

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

Primary Firm SEC Registration

APTUS FINANCIAL, LLC

State Registrations and Notice Filings

Exams

Series 63

Date: 8/5/2011

SIE

Date: 12/5/2017

Series 7

Date: 9/26/2011

Series 87

Date: 8/22/2011

Current Firm

APTUS FINANCIAL, LLC

Contact information

SEC notice filing (32 States and Territories)

Documents

Part 2 Brochures

Red Flags

Company Information

APTUS FINANCIAL, LLC

TRUST BUT VERIFY

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