Michael L. Nichols

FRA WEALTH MANAGEMENT LLC

O'fallon, IL 62269

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CRD#: 6830659

Professional summary

Michael Lynn Nichols, who also goes by Michael Nichols, is a registered financial advisor currently at FRA WEALTH MANAGEMENT LLC located in O'fallon, Illinois.

Michael is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2017. Michael has worked at 4 firms and has passed the Series 66, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Michael Nichols

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) - RIA

Click below to view Michael Lynn Nichols'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

May 19, 2025 - Present

FRA WEALTH MANAGEMENT LLC

Office #1: 805 W. Hwy 50 Ste. B, O'fallon, IL 62269

RIA

CRD#: 284020

O'fallon, IL

Past

September 26, 2022 - December 20, 2024

MUTUAL OF AMERICA SECURITIES LLC

CRD#: 27878

ST. LOUIS, MO

Past

March 28, 2022 - September 16, 2022

PRUCO SECURITIES, LLC.

RIA

CRD#: 5685

Swansea, IL

Past

March 28, 2022 - September 16, 2022

PRUCO SECURITIES, LLC.

CRD#: 5685

Swansea, IL

Past

September 26, 2017 - April 5, 2022

WELLS FARGO CLEARING SERVICES, LLC

RIA

CRD#: 19616

ST. LOUIS, MO

Past

September 2, 2017 - April 5, 2022

WELLS FARGO CLEARING SERVICES, LLC

CRD#: 19616

ST. LOUIS, MO

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".

FRA WEALTH MANAGEMENT LLC

CRD#: 284020 / SEC#: 801-132681

RIA

Registered Investment Advisory firm - (5/8/2025 Approved)

Florida

Registered Investment Advisory firm - (5/29/2025 Terminated)

Illinois

Registered Investment Advisory firm - (5/29/2025 Terminated)

Missouri

Registered Investment Advisory firm - (5/29/2025 Terminated)

Texas

Registered Investment Advisory firm - (5/29/2025 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

Florida
(8/7/2025)

IAR

Illinois
(5/20/2025)

IAR

Missouri
(8/21/2025)

IAR

Texas
(5/19/2025)

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: 9/26/2017

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: 9/2/2017

General Securities Representative Examination

Current Firm

FRA WEALTH MANAGEMENT LLC

CRD#: 284020 / SEC#: 801-132681

RIA

Registered Investment Advisory firm - (5/8/2025 Approved)

Florida

Registered Investment Advisory firm - (5/29/2025 Terminated)

Illinois

Registered Investment Advisory firm - (5/29/2025 Terminated)

Missouri

Registered Investment Advisory firm - (5/29/2025 Terminated)

Texas

Registered Investment Advisory firm - (5/29/2025 Terminated)

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Contact information

Main Address

805 W. Hwy 50 Ste. B, O'fallon, IL 62269

Mailing Address

Phone number

(888) 915-0930

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (4 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

FRA WEALTH MANAGEMENT PART 2 BROCHURE (4/1/2025)

Regulatory assets under management

Total Number of Accounts	735
AUM (Assets Under Management)	$ 100,040,594

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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Advisor Monitoring

Firm Stability Insights

Michael L. Nichols

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michael Lynn Nichols's CRS (Customer Relationship Summary).

Certified licenses

Experience

MUTUAL OF AMERICA SECURITIES LLC

PRUCO SECURITIES, LLC.

PRUCO SECURITIES, LLC.

WELLS FARGO CLEARING SERVICES, LLC

WELLS FARGO CLEARING SERVICES, LLC

Primary Firm SEC Registration

FRA WEALTH MANAGEMENT LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 9/26/2017

SIE

Date: 10/1/2018

Series 7

Date: 9/2/2017

Current Firm

FRA WEALTH MANAGEMENT LLC

Contact information

SEC notice filing (4 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

FRA WEALTH MANAGEMENT LLC

TRUST BUT VERIFY

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