Zachary D. Rivard

STRAIGHTLINE

East Lansing, MI 48823

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CRD#: 7153866

Professional summary

Zachary D Rivard, AIF®, CFP®, who also goes by Zach Rivard, is a registered financial advisor currently at STRAIGHTLINE located in East Lansing, Michigan.

Zachary is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2019. Zachary has worked at 3 firms and has passed the Series 65 exam.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Zach Rivard

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.

Rental property, not Investment-related, 2625 Duane Dr. ,Saginaw, MI 48603-3015, landlord. 2014-current, 2 hours per month

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Zachary D Rivard'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®

AIF^®

Accredited Investment Fiduciary

CFP^®

Certified Financial Planner

Experience

Current

November 20, 2024 - Present

STRAIGHTLINE

Office #1: 2911 Eyde Pkwy, East Lansing, MI 48823

RIA

CRD#: 127401

East Lansing, MI

Past

July 1, 2021 - January 2, 2024

ACT TWO FINANCIAL ADVISORS, LLC

RIA

CRD#: 222513

BAY CITY, MI

Past

July 12, 2019 - November 22, 2024

DBS INVESTMENT ADVISERS, LLC

RIA

CRD#: 123283

BAY 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".

STRAIGHTLINE

STRAIGHTLINE | STRAIGHTLINE GROUP, LLC | STRAIGHTLINE GROUP, L.L.C | STRAIGHTLINE ADVISORS

CRD#: 127401 / SEC#: 801-63408

RIA

Registered Investment Advisory firm - (8/11/2004 Approved)

Michigan

Registered Investment Advisory firm - (8/12/2004 Terminated)

Ohio

Registered Investment Advisory firm - (8/12/2004 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
(11/20/2024)

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 65

Date: 7/8/2019

Uniform Investment Adviser Law Examination

Current Firm

STRAIGHTLINE

STRAIGHTLINE | STRAIGHTLINE GROUP, LLC | STRAIGHTLINE GROUP, L.L.C | STRAIGHTLINE ADVISORS

CRD#: 127401 / SEC#: 801-63408

RIA

Registered Investment Advisory firm - (8/11/2004 Approved)

Michigan

Registered Investment Advisory firm - (8/12/2004 Terminated)

Ohio

Registered Investment Advisory firm - (8/12/2004 Terminated)

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Contact information

Main Address

165 Kirts Blvd. Ste 100, Troy, MI 48084-5200

Mailing Address

Phone number

(248) 269-8366

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (36 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

STRAIGHTLINE PART 2A BROCHURE (3/31/2025)

Regulatory assets under management

Total Number of Accounts	6,731
AUM (Assets Under Management)	$ 1,106,624,742

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
10/15/2024	Cover Page	Report
12/21/2023	Cover Page	Report
06/07/2022	Cover Page	Report

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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Zachary D. Rivard

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Zachary D Rivard's CRS (Customer Relationship Summary).

Certified licenses

Experience

STRAIGHTLINE

ACT TWO FINANCIAL ADVISORS, LLC

DBS INVESTMENT ADVISERS, LLC

Primary Firm SEC Registration

STRAIGHTLINE

State Registrations and Notice Filings

Exams

Series 65

Date: 7/8/2019

Current Firm

STRAIGHTLINE

Contact information

SEC notice filing (36 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

STRAIGHTLINE

TRUST BUT VERIFY

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