Ryan J. Cardiff

VERNAL POINT ADVISORS

San Francisco, CA 94104

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CRD#: 7293809

Professional summary

Ryan J Cardiff, who also goes by Ryan Joseph Cardiff, is a registered financial advisor currently at VERNAL POINT ADVISORS, LLC located in San Francisco, California.

Ryan is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2020. Ryan has worked at 5 firms and has passed the Series 66, Series 7TO and SIE exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Ryan Joseph Cardiff

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.

* 456048 - Orinda Country Club; Investment related No; Orinda, California; Country club that includes golf, tennis, and swimmingUnited States, I coach tennis at the club on Saturday mornings, start date-5/18/2020; During business hours: 0; After business hours: 5; Labor/Service.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Ryan J Cardiff'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

August 22, 2025 - Present

VERNAL POINT ADVISORS, LLC

Office #1: 235 Pine St Suite 1225, San Francisco, CA 94104

RIA

CRD#: 166587

San Francisco, CA

Past

January 19, 2023 - July 29, 2025

UBS FINANCIAL SERVICES INC.

RIA

CRD#: 8174

SAN FRANCISCO, CA

Past

January 19, 2023 - July 29, 2025

UBS FINANCIAL SERVICES INC.

CRD#: 8174

SAN FRANCISCO, CA

Past

September 22, 2021 - January 13, 2023

MORGAN STANLEY

RIA

CRD#: 149777

San Francisco, CA

Past

September 22, 2021 - January 13, 2023

MORGAN STANLEY

CRD#: 149777

San Francisco, CA

Past

September 25, 2020 - August 23, 2021

J.P. MORGAN PRIVATE WEALTH ADVISORS LLC

RIA

CRD#: 108559

San Francisco, CA

Past

September 11, 2020 - August 23, 2021

FIRST REPUBLIC SECURITIES COMPANY, LLC

CRD#: 105108

SAN FRANCISCO, CA

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".

VERNAL POINT ADVISORS, LLC

MORELLI, PAUL WILLIAM | VERNAL POINT ADVISORS, LLC | VERNAL POINT ADVISORS

CRD#: 166587 / SEC#: 801-80962

RIA

Registered Investment Advisory firm - (2/9/2015 Approved)

California

Registered Investment Advisory firm - (3/20/2015 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

California
(8/22/2025)

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: 9/25/2020

Uniform Combined State Law Examination

General Industry/Product Exam

Series 7TO

Date: 9/11/2020

General Securities Representative Examination

General Industry/Product Exam

SIE

Date: 9/4/2020

Securities Industry Essentials Examination

Current Firm

VERNAL POINT ADVISORS, LLC

MORELLI, PAUL WILLIAM | VERNAL POINT ADVISORS, LLC | VERNAL POINT ADVISORS

CRD#: 166587 / SEC#: 801-80962

RIA

Registered Investment Advisory firm - (2/9/2015 Approved)

California

Registered Investment Advisory firm - (3/20/2015 Terminated)

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Contact information

Main Address

235 Pine St Suite 1225, San Francisco, CA 94104

Mailing Address

548 Market Street Suite 36461, San Francisco, CA 94104

Phone number

(415) 237-3530

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (6 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

VERNAL POINT ADVISORS PART 2A (3/31/2025)

Regulatory assets under management

Total Number of Accounts	217
AUM (Assets Under Management)	$ 2,741,700,000

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
06/18/2025	Cover Page	Report
07/24/2024	Cover Page	Report
06/28/2023	Cover Page	Report
12/20/2022	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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Firm Stability Insights

Ryan J. Cardiff

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Ryan J Cardiff's CRS (Customer Relationship Summary).

Certified licenses

Experience

UBS FINANCIAL SERVICES INC.

UBS FINANCIAL SERVICES INC.

MORGAN STANLEY

MORGAN STANLEY

J.P. MORGAN PRIVATE WEALTH ADVISORS LLC

FIRST REPUBLIC SECURITIES COMPANY, LLC

Primary Firm SEC Registration

VERNAL POINT ADVISORS, LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 9/25/2020

Series 7TO

Date: 9/11/2020

SIE

Date: 9/4/2020

Current Firm

VERNAL POINT ADVISORS, LLC

Contact information

SEC notice filing (6 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

VERNAL POINT ADVISORS, LLC

TRUST BUT VERIFY

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