Charles Joseph Neff

LPL FINANCIAL LLC

LAS VEGAS, NV · CRD#

TRANSAMERICA FINANCIAL ADVISORS, LLC

LAS VEGAS, NV · CRD#

Contact Information

Direct

(xxx) xxx-xxxx

Email

xxxxx@xxxx.xxx

Website

xxxxxxxxxx.xxx

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Disclosures are events reported to regulators, such as customer disputes, regulatory actions, employment separations, or financial events. Some are resolved, denied, or contested — a disclosure is not a verdict. We recommend asking an advisor directly about any disclosure on their record.

Disclosures on record.

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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Years of Experience

6 years registered in the securities industry

Current & Past Employments

Current

HIGHTOWER ADVISORS, LLCCurrent·CRD# 145323

RIA

2360 Corporate Circle Suite 160, Las Vegas, NV 89074

September 1, 2021 - Present

HIGHTOWER SECURITIES, LLCCurrent·CRD# 116681

BD

2360 Corporate Cir. Suite 160, Henderson, NV 89074

August 2, 2021 - Present

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Customer Relationship Summary (CRS / SEC)Latest Form ADV

Current Firm

HIGHTOWER ADVISORS, LLC

CRD#: 145323 / SEC#: 801-69625

RIA

Registered Investment Advisory firm - SEC (10/3/2008 Approved)

Contact Information

Main Address

200 W. Madison St. Suite 2500, Chicago, IL 60606

Phone Number

(312) 962-3800

# of Employees

1,983

SEC notice filing (53 States and Territories)

Registered to provide investment advisory services in 53 US states and territories.

Documents

Part 2 Brochures

HTA FORM ADV PART 2A FIRM BROCHURE (AUGUST 2026) (8/19/2026)

HTA FORM ADV PART 2A APPENDIX 1 (MARCH 2026) (3/31/2026)

Regulatory Assets Under Management

Total Number of Accounts

220,222

AUM (Assets Under Management)

$198,577,009,283

Accountant Surprise Examination Report

Filing Date	Form ADV-E Cover	Form ADV-E Report
03/30/2026	Cover Page	Report
01/02/2026	Cover Page	Report
12/23/2025	Cover Page	Report
11/26/2025	Cover Page	Report
11/25/2025	Cover Page	Report
11/24/2025	Cover Page	Report
11/05/2025	Cover Page	Report
10/28/2025	Cover Page	Report
10/28/2025	Cover Page	Report
09/29/2025	Cover Page	Report
09/17/2025	Cover Page	Report
09/15/2025	Cover Page	Report
08/28/2025	Cover Page	Report
01/28/2025	Cover Page	Report
01/28/2025	Cover Page	Report
01/28/2025	Cover Page	Report
12/12/2024	Cover Page	Report
12/06/2024	Cover Page	Report
11/11/2024	Cover Page	Report
10/25/2024	Cover Page	Report
09/27/2024	Cover Page	Report
09/26/2024	Cover Page	Report
12/21/2023	Cover Page	Report
12/19/2023	Cover Page	Report
12/19/2023	Cover Page	Report
12/19/2023	Cover Page	Report
12/11/2023	Cover Page	Report
11/20/2023	Cover Page	Report
11/15/2023	Cover Page	Report
11/08/2023	Cover Page	Report
11/07/2023	Cover Page	Report
10/30/2023	Cover Page	Report
10/25/2023	Cover Page	Report

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Other business activities

Information obtained from regulatory filings. Advisors can request corrections through their firm or regulator.

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. Junior Achievement of Southern Nevada; Not investment related; Las Vegas, NV; Education; Board Member, Education Committee Chair; Jan 1 2023; 10hrs per month; Attend Board Meetings and fulfill other duties as are typical of a Board Member. Lead Education Committee; 2. Henderson Chamber of Commerce; not investment related; Henderson, NV; Board Member; July 1, 2025; 5hrs a month; 0; Board Member duties;

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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".

HIGHTOWER ADVISORS, LLC

CRD#: 145323 / SEC#: 801-69625

RIA

Registered Investment Advisory firm - SEC (10/3/2008 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 securities offerings such as stocks, bonds, and mutual funds through a broker-dealer.

RR

Florida
(4/4/2022)

RR

Nevada
(8/23/2021)

IAR

Nevada
(9/1/2021)

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.Note:This rule does not apply to broker-dealer activity.

Exams

Financial professionals may take different exams throughout their careers based on the types of services they provide and roles they perform.

FINRA

SRO Registrations

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CRS (Client Relationship Summary) - RIA

HIGHTOWER ADVISORS, LLC — Registered Investment Advisory firm

Version Date: Fri, Mar 01, 2024

Hightower Advisors, LLC (“HTA”, “we”, or “us”) is an investment adviser registered with the U.S. Securities and Exchange Commission. Brokerage and investment advisory services differ and it is important to understand the differences. Free and simple tools are available to research firms and financial professionals at investor.gov/CRS, which also provides educational materials about broker dealers, investment advisers, and investing.

HTA offers investment advisory services to retail investors on a discretionary or non-discretionary basis through a network of investment adviser representatives known as financial advisors. Our discretionary investment advisory services are offered through a wrap fee program or through an unbundled fee structure. Additionally, we offer other services to retail investors such as financial planning. When you open an advisory account with us, a financial advisor will meet with you to discuss your investment goals and collaborate with you to design an investment strategy. Our management of your account is guided by your investment objectives (e.g., capital appreciation, growth, income, or growth and income), risk tolerance, and tax considerations. We and your financial advisor conduct ongoing monitoring of your advisory account tailored to your advisory relationship and type of advisory account. Your financial advisor will contact you at least annually to discuss your portfolio.

If you provide us with discretionary authority, your financial advisor makes investment decisions to buy, sell or hold securities in your account. If you provide us with non-discretionary authority, you make the ultimate decision regarding the purchase or sale of investments. We will exercise the type of authority you have granted to us, depending on the type of account you choose, until your advisory agreement is terminated by you or your financial advisor.

Depending on your choice of account type, strategy, and/or model, you may receive advice with respect to a broad range of investments, or you may receive advice regarding a limited range of investments. Our financial advisors and their practices each have an advisory focus and strategy driven primarily by the types of clients they service and their particular expertise. We provide advice on proprietary and non-proprietary products. HTA typically does not impose a minimum account size or a set minimum annual fee for its investment advisory services, though some of our financial advisor practices do have minimums for fees and/or account size.

For additional information about our investment advisory services, please see Items 4, 7, 13, and 16 of our Form ADV, Part 2A brochure (the “Brochure”) and Items 4.A and 5 of our Form ADV Part 2A Appendix 1 (the “Wrap Fee Program Brochure”).

Questions to ask your Professional:

Given my financial situation, should I choose an investment advisory service? Why or why not?
How will you choose investments to recommended to me?
What is your relevant experience, including your licenses, education, and other qualifications? What do these qualifications mean?

We generally charge an asset-based fee (a percentage of the assets in your accounts) on quarterly or monthly basis. The more assets you have under our management, the more you will pay to us in fees; we therefore have an incentive to encourage you to increase the assets in your account to increase our fees. Other ways we may calculate and charge fees include hourly fees, flat fees, a retainer, and/or service fees. We charge our fee whether your account is profitable or not and even if we did not buy or sell assets in your account. Fees vary depending on the type of services provided and the amount of assets we manage for you, and are negotiable.

Fees paid to us for an account within our wrap program include our advisory fees in addition to one or more of: (i) brokerage commissions, (ii) custodial fees, (iii) certain periodic reporting or (iv) management fees paid to affiliated or third-party managers. As a result, wrap fees for these accounts are typically higher than the non-wrap advisory fees.

In addition to fees paid to us, you will incur costs related to the investments in your account such as the fees and expenses charged to investors by mutual funds, variable annuities, exchange traded funds, alternative investments, and other types of securities; depending on your account setup and activities occurring in your account, you may also incur investment platform administration fees, management fees for services provided by an affiliated or third-party manager, custodian fees, account maintenance fees, transaction costs, and other related fees and expenses.

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.

For additional information about our fees and other costs associated with investing, please see Items 5, 10, and 14 of our Brochure and Items 4 and 9 of our Wrap Fee Program Brochure.

Questions to ask your Professional:

Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?

When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide. Here are some examples to help you understand what this means.

Some of our affiliates serve as investment managers for certain investment products and earn a management fee for those services. We therefore have a financial incentive to recommend these proprietary products over third-party products.
We may invest or recommend investing your assets with affiliated managers that provide asset management services for an additional fee. The ability to earn additional fees for an affiliated manager creates an incentive for us to invest or recommend investing client assets with these affiliated managers and thus presents a conflict of interest.
Certain of our financial advisors are (i) licensed to sell insurance, and (ii) registered to offer you brokerage services with Hightower Securities, LLC, an affiliated broker dealer. In both instances, you would pay a commission for these services and your financial advisor could receive a portion of that commission, which presents a conflict of interest.

Questions to ask your Professional:

How might your conflicts of interest affect me, and how will you address them?

Our financial professionals’ compensation generally varies based on the revenue HTA earns from their advisory services or recommendations, the amount of client assets they service, the time and complexity required to meet a client’s needs, and the cost structure of their advisor practice. The compensation that your financial professional receives will typically increase as revenue earned from their client accounts increases. Therefore, they are incentivized to increase revenues on your and other clients’ accounts.

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