Stephen B. Carruthers
VALIC FINANCIAL ADVISORS
Greensboro, NC 27408
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CRD#: 7206125
Professional summary
Stephen Brewer Carruthers, CFP®, who also goes by Stephen B Carruthers, Stephen Carruthers, is a registered financial advisor currently at VALIC FINANCIAL ADVISORS, INC. located in Greensboro, North Carolina.
Stephen is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2020. Stephen has worked at 1 firm and has passed the Series 66, Series 7TO and SIE exams.
Question & Answer
Are you a "fiduciary"?
Yes
Aliases
Stephen B Carruthers | Stephen Carruthers
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.
AGIA POSITION: Agent NATURE: null INVESTMENT RELATED: No NUMBER OF HOURS: 10 SECURITIES TRADING HOURS: 1 START DATE: 12/17/2022 ADDRESS: 2929 Allen Parkway, Houston TX 77019, United States DESCRIPTION: Non-Securities Insurance Products STEPHEN CARRUTHERS, ATTORNEY POSITION: Attorney/Owner NATURE: I am currently a licensed attorney in North Carolina (NC Bar # 46614). I formerly operated a law practice which concentrated on consumer bankruptcy law. Currently, I am counsel of record in ten (10) pending chapter 13 cases in the U.S. Bankruptcy Court for the Western District of North Carolina. My work with chapter 13 clients is not investment-related. The cases have been filed from 2014 - 2019. The vast majority of the work that I am required to perform in chapter 13 cases occurs prior to the filing date, or within a few months of filing, until the chapter 13 plan has been "confirmed" by the court. Of my 1 pending cases, all have confirmed plans. Therefore, for my chapter 13 clients, the majority of the work that I must perform has already occurred. However, pursuant to the North Carolina State Bar Rules of Professional Conduct, and the Local Rules of the U.S. Bankruptcy Court (W.D.N.C.) I am required to remain as counsel of record for the full term of the chapter 13 case, which can be up to seven years, unless the court approves my withdrawal. Based on my existing chapter 13 cases, I would anticipate that approximately 1 hour, per week, would be required to service my chapter 13 clients. The maximum amount of time that I would be committed to any chapter 13 client would be until approximately December 2026, and at that time only 1-2 clients would remain. Some of the common issues that can arise over the duration of a chapter 13 case include: communicating with clients and the trustee (via phone and email) if the client has fallen behind in plan payments; communicating with the client and trustee if the client wants to purchase a new vehicle during the chapter 13 case; and most notably, filing the required motion at the conclusion of the chapter 13 case to have the discharge order entered for the client. In addition, I receive attorney fees paid to my office by the chapter 13 trustee for services performed in my chapter 13 cases. For the calendar year of 2025 I can anticipate approximately $200, per month, in fees to be paid to me by the chapter 13 trustee for servicing my chapter 13 clients. Each subsequent year, as I begin to close out my chapter 13 cases, that income will be reduced. Furthermore, a smaller portion of my cases (estimated at 20%) will be dismissed prior to the completion of the case, which will further reduce my clients and income from my chapter 13 cases. I use a UPS mail box with an address of 2618A Battleground Ave., #193 Greensboro, NC 27408 to receive mailings regarding my former work as an attorney. Finally, at any time I will be able to accurately identify the exact clients whom I represent in my chapter 13 cases and the income earned from those services. INVESTMENT RELATED: No NUMBER OF HOURS: 1 SECURITIES TRADING HOURS: 1 START DATE: 12/01/2014 ADDRESS: 2618A Battleground Ave., # 193, Greensboro NC 27408, United States DESCRIPTION: Represent existing clients in their chapter 13 bankruptcy cases.
CRS (Client Relationship Summary) - RIA
Click below to view Stephen Brewer Carruthers's CRS (Customer Relationship Summary).
CRS (Client Relationship Summary) - BD
Click below to view Stephen Brewer Carruthers'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
June 1, 2020 - Present
VALIC FINANCIAL ADVISORS, INC.
Office #1: 6 North Pointe Court Suite 201, Greensboro, NC 27408Office #2: 6 North Pointe Court Suite 201, Greensboro, NC 27408RIA
BD
CRD#: 42803
Greensboro, NC
Current
May 4, 2020 - Present
VALIC FINANCIAL ADVISORS, INC.
Office #1: 6 North Pointe Court Suite 201, Greensboro, NC 27408Office #2: 6 North Pointe Court Suite 201, Greensboro, NC 27408RIA
BD
CRD#: 42803
Greensboro, NC
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".
VF
VALIC FINANCIAL ADVISORS, INC.
AIG RETIREMENT ADVISORS, INC. | VALIC INVESTMENT SERVICES COMPANY | VALIC FINANCIAL ADVISORS, INC. | COREBRIDGE FINANCIAL | AMERICAN GENERAL FINANCIAL ADVISORS, INC. | AIG RETIREMENT SERVICES
CRD#: 42803 / SEC#: 801-54952, 8-50018
RIA
Registered Investment Advisory firm - SEC (10/10/1997 Approved)BD
Broker-Dealer Firm Regulated by FINRA (Dallas district office)
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
Colorado(12/19/2024)
IAR
Colorado(12/19/2024)
RR
Florida(1/22/2025)
IAR
Florida(1/23/2025)
RR
Georgia(12/19/2024)
IAR
Georgia(12/20/2024)
RR
Kansas(9/8/2023)
IAR
Kansas(9/8/2023)
RR
Massachusetts(11/4/2024)
IAR
Massachusetts(11/25/2024)
RR
North Carolina(6/1/2020)
IAR
North Carolina(6/1/2020)
RR
Ohio(12/19/2024)
IAR
Ohio(1/3/2025)
RR
Oregon(10/5/2021)
IAR
Oregon(10/5/2021)
RR
South Carolina(3/17/2023)
IAR
South Carolina(3/22/2023)
RR
Virginia(9/22/2021)
IAR
Virginia(9/22/2021)
Exams
State Security Law Exam
General Industry/Product Exam
RR
Series 7TO
Date: 5/4/2020
General Securities Representative ExaminationGeneral Industry/Product Exam
SRO Registrations
RR
FINRA
Current Firm
VF
VALIC FINANCIAL ADVISORS, INC.
AIG RETIREMENT ADVISORS, INC. | VALIC INVESTMENT SERVICES COMPANY | VALIC FINANCIAL ADVISORS, INC. | COREBRIDGE FINANCIAL | AMERICAN GENERAL FINANCIAL ADVISORS, INC. | AIG RETIREMENT SERVICES
CRD#: 42803 / SEC#: 801-54952, 8-50018
RIA
Registered Investment Advisory firm - SEC (10/10/1997 Approved)BD
Broker-Dealer Firm Regulated by FINRA (Dallas district office)
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Contact information
Main Address
2919 Allen Parkway L3-20, Houston, TX 77019
Mailing Address
2919 Allen Parkway L3-20, Houston, TX 77019-2158
Phone number
(866) 544-4968
Established
Texas since 11/18/1996
Firm type
Corporation
Fiscal year end
December
Firm Size
Large
# of Employees
1,633
SEC notice filing (51 States and Territories)
FINRA licenses (51 States and Territories)
Documents
Part 2 Brochures
Direct owners and executive officers
| Name | Position | CRD# |
|---|---|---|
| THE VARIABLE ANNUITY LIFE INSURANCE COMPANY | DIRECT OWNER | |
| BURNETTE, CYNTHIA LEA | CHIEF FINANCIAL OFFICER AND TREASURER | 1863103 |
| FORTEY, MICHAEL | VFA CHIEF COMPLIANCE OFFICER BROKER DEALER | 2304969 |
| GIBSON, KRISTA DE LOIS | PRESIDENT; SVP, HEAD OF PRODUCT & ADVISORY SERVICES | 2348708 |
| JOE, CHRISTOPHER CHUCK | VFA CHIEF COMPLIANCE OFFICER INVESTMENT ADVISOR | 2373056 |
| LOGAN, JOHN ALBERT | CHIEF OPERATIONS OFFICER | 4378887 |
| MARCIEL-CARR, THERESA H | VICE PRESIDENT, FIELD SUPERVISION | 5428259 |
| NORRIS, JOHN ERIK | SECRETARY | 8188573 |
| RINK, VERONICA LYNETTE | VICE PRESIDENT, BUSINESS ADMINISTRATION | 4724432 |
Regulatory assets under management
| Total Number of Accounts | 293,993 |
| AUM (Assets Under Management) | $ 26,372,603,709 |
Disclosures
| Regulatory Event | 17 |
| Arbitration | 3 |
Accountant surprise examination report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 10/24/2025 | ||
| 01/27/2025 | ||
| 04/29/2024 | ||
| 04/28/2023 |
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.
Company Information
VALIC FINANCIAL ADVISORS, INC.
CRD#: 42803Greensboro, NC 27408TRUST BUT VERIFY
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