Christian Gaffy
CETERA INVESTMENT ADVISERS LLC
FOREST LAKE, MN 55025
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CRD#: 6465725
Professional summary
Christian Gaffy, CFP® is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Forest Lake, Minnesota and CETERA WEALTH SERVICES, LLC located in Forest Lake, Minnesota.
Christian is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2015. Christian 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.
1) Forest Lake High School~'NIR'~6101 Scandia Trail N~Forest Lake~MN~55025~Education~Other~7/28/2015~50hrs~16hrs~Coaching Hockey 3) Rychley Financial Services~'NIR'~25 N Lake St. #210~Forest Lake~MN~55025~Other~Other~3/1/2015~60hrs~40hrs~Marketing name only 4) Rychley Tax & Financial~'NIR'~25 North Lake Street, Ste 210~Forest Lake~MN~55025~Tax Preparation/Accounting~Tax Preparation/Accounting~3/1/2015~60hrs~40hrs~Provide accounting and tax preparation services 5) Wendy Rychley Chartered~'NIR'~25 N Lake St, STE 210~Forest Lake~MN~55025~Tax Preparation/Accounting~Tax Preparation/Accounting~3/1/2015~60hrs~40hrs~Marketing Names for Rychley Tax & Financial and Rychley Financial. All the same companies just need to disclose different names used 6) Ranger Goaltending Academy LLC~'NIR'~28720 LAKESIDE TRL~LINDSTROM~MN~55045~Other~Owner~9/1/2019~60hrs~5hrs~Coaching and mentoring ice hockey goalies in the North Metro of the Twin Cities 7) Chisago Lakes Hockey Association~'NIR'~12740 292nd St.~Lindstrom~MN~55045~Other~Independent Contractor~10/14/2019~5hrs~0hrs~Coaching hockey goaltenders 8) TAX-SMART ADVISORY GROUP LLC POSITION: Member NATURE: Tax-Smart Advisory Group LLC is a shared services company for financial advisors. INVESTMENT RELATED: No NUMBER OF HOURS: 4 SECURITIES TRADING HOURS: 4 START DATE: 02/28/2023; ADDRESS: 25 North Lake Street, Suite 210, Forest Lake MN 55025, US; Deal with day to day operations for assisting financial advisors and to provide services that facilitate maintenance and growth of investment and advisory business?. 9) LAKES AREA GOALTENDING ACADEMY POSITION: Owner/ Partner NATURE: Ice hockey coach INVESTMENT RELATED: No NUMBER OF HOURS: 10 SECURITIES TRADING HOURS: 0 START DATE: 01/01/2023 ADDRESS: 28720 Lakeside Trl, Lindstrom MN 55045, US; We coach ice hockey goalies on ice for youth to professional goalies. 10) PRINCIPAL FINANCIAL POSITION: Group Insurance Sales NATURE: Providing group STD, LTD, Life to employers INVESTMENT RELATED: Yes NUMBER OF HOURS: 1 SECURITIES TRADING HOURS: 0 START DATE: 06/05/2024 ADDRESS: 25 North Lake Street, Suite 210, Forest Lake MN 55025, United States DESCRIPTION: Providing group STD, LTD, Life to employers 11) CHURCH AND SCHOOL OF ST. PETER POSITION: Finance Council NATURE: Advise financial decisions to school and church by managing budget and facilities. INVESTMENT RELATED: No NUMBER OF HOURS: 1 SECURITIES TRADING HOURS: 0 START DATE: 09/24/2024 ADDRESS: 1250 S Shore Dr, Forest Lake MN 55025, United States DESCRIPTION: Advise school and church with their financial decisions by managing the budget and facilities;no investment decision making.
CRS (Client Relationship Summary) - RIA
Click below to view Christian Gaffy'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: 2023
Experience
Current
September 5, 2025 - Present
CETERA INVESTMENT ADVISERS LLC
Office #1: 25 North Lake Street Suite 210, Forest Lake, MN 55025RIA
CRD#: 105644
FOREST LAKE, MN
Current
September 5, 2025 - Present
CETERA WEALTH SERVICES, LLC
Office #1: 25 North Lake Street Suite 210, Forest Lake, MN 55025BD
CRD#: 13572
Forest Lake, MN
Past
July 28, 2015 - September 5, 2025
AVANTAX ADVISORY SERVICES
RIA
CRD#: 104556
FOREST LAKE, MN
Past
June 1, 2015 - September 5, 2025
AVANTAX INVESTMENT SERVICES, INC.
BD
CRD#: 13686
Forest Lake, MN
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
Alaska(9/5/2025)
RR
Arkansas(9/5/2025)
RR
Delaware(9/5/2025)
RR
Illinois(9/5/2025)
RR
Massachusetts(9/5/2025)
RR
Michigan(9/5/2025)
RR
Minnesota(9/5/2025)
IAR
Minnesota(9/5/2025)
RR
Nebraska(9/5/2025)
RR
Ohio(9/19/2025)
RR
South Dakota(9/18/2025)
RR
Wisconsin(9/5/2025)
Exams
State Security Law 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
Registered Investment Advisory firm - (1/13/1984 Approved)Upgrade to AdvisorCheck Premium
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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.
