Emily M. Frazier

SPECTRUM FINANCIAL

Virginia Beach, VA 23452

Some features on this profile are disabled

CRD#: 6171182

Professional summary

Emily Michelle Frazier, who also goes by Emily Michelle Collins, Emily Michele Collins, is a registered financial advisor currently at SPECTRUM FINANCIAL INC located in Virginia Beach, Virginia and CEROS FINANCIAL SERVICES, INC. located in Virginia Beach, Virginia.

Emily is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2013. Emily has worked at 2 firms and has passed the Series 65, Series 63, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Emily Michelle Collins | Emily Michele Collins

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.

NAME OF BUSINESS: SPECTRUM FINANCIAL INC; TYPE: INVESTMENT ADVISORY FIRM; TITLE: CLIENT SERVICES/MARKETING; INVESTMENT RELATED; APPROX. NUMBER OF HOURS: 40 HOURS PER WEEK. NAME OF BUSINESS: NATIONAL ASSOCIATION OF ACTIVE INVESTMENT MANAGERS; ADDRESS: 6732 W. COAL MINE AVENUE#446, LITTLETON, CO 80123; 1.5 HOURS PER MONTH DEVOTED TO ACTIVITY; .25 HOURS EACH WEEK DEVOTED TO ACTIVITY DURING TRADING HOURS; NO COMPENSATION.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Emily Michelle Frazier'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

August 4, 2017 - Present

SPECTRUM FINANCIAL INC

Office #1: 272 Bendix Road, Ste 600, Virginia Beach, VA 23452

RIA

CRD#: 105618

Virginia Beach, VA

Current

September 23, 2013 - Present

CEROS FINANCIAL SERVICES, INC.

Office #1: 2940 N. Lynnhaven Rd. Ste 200, Virginia Beach, VA 23452

CRD#: 37869

Virginia Beach, VA

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".

SPECTRUM FINANCIAL INC

CRD#: 105618 / SEC#: 801-33311

RIA

Registered Investment Advisory firm - (12/30/1988 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

Arizona
(5/31/2018)

California
(5/31/2018)

Colorado
(5/31/2018)

Florida
(5/31/2018)

Georgia
(5/31/2018)

Illinois
(5/31/2018)

Maryland
(5/31/2018)

Massachusetts
(5/31/2018)

Michigan
(5/31/2018)

New York
(5/31/2018)

North Carolina
(5/31/2018)

Ohio
(5/31/2018)

Pennsylvania
(5/31/2018)

Texas
(5/31/2018)

Virginia
(10/14/2013)

IAR

Virginia
(8/4/2017)

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: 8/4/2017

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 10/12/2013

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 9/21/2013

General Securities Representative Examination

SRO Registrations

FINRA

Current Firm

SPECTRUM FINANCIAL INC

CRD#: 105618 / SEC#: 801-33311

RIA

Registered Investment Advisory firm - (12/30/1988 Approved)

Upgrade to AdvisorCheck Premium

Get A Biweekly Pulse, AutomaticallyReceive biweekly alerts automatically. Stay informed and proactive.

Catch Firm-Level Red Flags SoonerCatch leadership changes and disclosures early, before issues escalate.

See Trends. Not Just SnapshotsMonitor firm stability metrics like AUM and advisor ratios over time.

Contact information

Main Address

272 Bendix Road, Ste 600, Virginia Beach, VA 23452

Mailing Address

Phone number

(757) 463-7600

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (11 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

SPECTRUM FINANCIAL ADV PART II BROCHURE (3/26/2025)

Regulatory assets under management

Total Number of Accounts	245
AUM (Assets Under Management)	$ 266,263,591

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.

Similar Advisors

John Cooke

SANCTUARY ADVISORS, LLC

IAR

Indianapolis, IN

Cindy Wong

OSAIC WEALTH, INC.

SCOTTSDALE, AZ

Trung Le

J.P. MORGAN SECURITIES LLC

IAR

Los Angeles, CA

We're Here To Help

Advisor Monitoring

Firm Stability Insights

Emily M. Frazier

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Emily Michelle Frazier's CRS (Customer Relationship Summary).

Certified licenses

Experience

CEROS FINANCIAL SERVICES, INC.

Primary Firm SEC Registration

SPECTRUM FINANCIAL INC

State Registrations and Notice Filings

Exams

Series 65

Date: 8/4/2017

Series 63

Date: 10/12/2013

SIE

Date: 10/1/2018

Series 7

Date: 9/21/2013

FINRA

Current Firm

SPECTRUM FINANCIAL INC

Contact information

SEC notice filing (11 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

SPECTRUM FINANCIAL INC

TRUST BUT VERIFY

Similar Advisors