Joseph D. Carpenter

CENTENNIAL WEALTH ADVISORY

TRAVERSE CITY, MI 49684

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CRD#: 6320338

Professional summary

Joseph Denzel Carpenter is a registered financial advisor currently at CENTENNIAL WEALTH ADVISORY, LLC located in Traverse City, Michigan.

Joseph is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2014. Joseph has worked at 4 firms and has passed the Series 66, SIE 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.

Joe is a producer for fixed and indexed annuities under CWA Financial.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joseph Denzel Carpenter'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

September 20, 2023 - Present

CENTENNIAL WEALTH ADVISORY, LLC

Office #1: 701 Third Street, Traverse City, MI 49684

RIA

CRD#: 138054

TRAVERSE CITY, MI

Past

April 3, 2023 - September 11, 2023

EMPOWER ADVISORY GROUP, LLC

RIA

CRD#: 112058

GREENWOOD VILLAGE, CO

Past

January 10, 2023 - April 3, 2023

PERSONAL CAPITAL ADVISORS CORPORATION

RIA

CRD#: 155172

Traverse City, MI

Past

June 17, 2014 - December 19, 2022

HANTZ FINANCIAL SERVICES, INC.

RIA

CRD#: 46047

TRAVERSE CITY, MI

Past

May 2, 2014 - December 19, 2022

HANTZ FINANCIAL SERVICES, INC.

CRD#: 46047

TRAVERSE CITY, MI

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".

CENTENNIAL WEALTH ADVISORY, LLC

CENTENNIAL ADVISORS | CENTENNIAL WEALTH ADVISORY, LLC

CRD#: 138054 / SEC#: 801-113464

RIA

Registered Investment Advisory firm - (6/18/2018 Approved)

Michigan

Registered Investment Advisory firm - (6/21/2018 Terminated)

Texas

Registered Investment Advisory firm - (6/21/2018 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).

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

Michigan
(9/20/2023)

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: 5/28/2014

Uniform Combined State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 5/1/2014

General Securities Representative Examination

Current Firm

CENTENNIAL WEALTH ADVISORY, LLC

CENTENNIAL ADVISORS | CENTENNIAL WEALTH ADVISORY, LLC

CRD#: 138054 / SEC#: 801-113464

RIA

Registered Investment Advisory firm - (6/18/2018 Approved)

Michigan

Registered Investment Advisory firm - (6/21/2018 Terminated)

Texas

Registered Investment Advisory firm - (6/21/2018 Terminated)

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Contact information

Main Address

701 Third Street, Traverse City, MI 49684

Mailing Address

Phone number

(231) 995-9575

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (5 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

CENTENNIAL WEALTH ADVISORY ADV 2 (1/15/2025)

Regulatory assets under management

Total Number of Accounts	2,723
AUM (Assets Under Management)	$ 311,057,049

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

Joseph D. Carpenter

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joseph Denzel Carpenter's CRS (Customer Relationship Summary).

Certified licenses

Experience

EMPOWER ADVISORY GROUP, LLC

PERSONAL CAPITAL ADVISORS CORPORATION

HANTZ FINANCIAL SERVICES, INC.

HANTZ FINANCIAL SERVICES, INC.

Primary Firm SEC Registration

CENTENNIAL WEALTH ADVISORY, LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 5/28/2014

SIE

Date: 10/1/2018

Series 7

Date: 5/1/2014

Current Firm

CENTENNIAL WEALTH ADVISORY, LLC

Contact information

SEC notice filing (5 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

CENTENNIAL WEALTH ADVISORY, LLC

TRUST BUT VERIFY

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