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Raymond Lawrence Lent

THE PUTNEY FINANCIAL GROUP

SAN RAFAEL, CA

·CRD# 817645·50 years experience

Professional Summary

Raymond Lawrence Lent, who also goes by Ray Lent, is a registered financial advisor currently at THE PUTNEY FINANCIAL GROUP LLC located in San Rafael, California and ARETE WEALTH MANAGEMENT, LLC located in San Rafael, California. Raymond is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1976. Raymond has worked at 9 firms and has passed the Series 65, Series 63, SIE, Series 7, Series...

At a Glance

Advisory Accounts Only

Fiduciary Standard

Fee Structure

Account Minimum

Active Clients

Fiduciary Standard

Fee Structure

Account Minimum

Active Clients

Other Aliases

Ray Lent

Blog Corner

What Does a Financial Advisor Do? Understanding Their Role, Services, and Value

What Does a Financial Advisor Do? Understanding Their Role, Services, and Value

Do I Need a Financial Advisor? A Complete Guide to Deciding If It’s Right for You

Do I Need a Financial Advisor? A Complete Guide to Deciding If It’s Right for You

What Are Financial Values and How to Align Them With Your Financial Goals

What Are Financial Values and How to Align Them With Your Financial Goals

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Videos & Posts

This advisor has not added any videos or posts yet.

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Contact Information

This advisor has not claimed their profile yet, so there is no contact information to display at this time.

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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

50 years in the financial services industry

Current & Past Employments

THE PUTNEY FINANCIAL GROUP LLC·CRD# 111639

RIA

100 Smith Ranch Road Suite 110, San Rafael, CA 94903

July 24, 2024 - Present

ARETE WEALTH MANAGEMENT, LLC·CRD# 44856

BD

100 Smith Ranch Road Suite 110, San Rafael, CA 94903

December 8, 2024 - Present

PORTSMOUTH FINANCIAL SERVICES·CRD# 13980

BD

San Rafael, CA

July 26, 2010 - December 31, 2024

PARK AVENUE SECURITIES LLC·CRD# 46173

BD

New York, NY

May 3, 1999 - November 4, 1999

MCCLURG CAPITAL CORPORATION·CRD# 16798

BD

San Rafael, CA

July 29, 1998 - July 26, 2010

GUARDIAN INVESTOR SERVICES LLC·CRD# 6635

BD

New York, NY

April 20, 1998 - May 3, 1999

CENTAURUS FINANCIAL, INC.·CRD# 30833

BD

Anaheim, CA

August 5, 1997 - July 27, 1998

THE MUTUAL LIFE INSURANCE COMPANY OF NEW YORK·CRD# 2873

BD

New York, NY

January 27, 1976 - October 15, 1990

MONY SECURITIES CORPORATION·CRD# 4386

BD

New York, NY

January 27, 1976 - August 22, 1997

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Current Firm

TP

THE PUTNEY FINANCIAL GROUP LLC

LENT, RAYMOND LAWRENCE | THE PUTNEY FINANCIAL GROUP, REGISTERED INVESTMENT ADVISORS | THE PUTNEY FINANCIAL GROUP LLC | RAYMOND LAWRENCE LENT DBA THE PUTNEY FINANCIAL GROUP | PORTSMOUTH-SMARTLIFE FINANCIAL GROUP, LLC | PORTSMOUTH FINANCIAL SERVICES, INC. | PLACER PARTNERS XVI - XVII

CRD#: 111639 / SEC#: 801-62638

RIA

Registered Investment Advisory firm - SEC (1/9/2004 Approved)

California

Registered Investment Advisory firm - California (1/13/2004 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).

Contact Information

Main Address

100 Smith Ranch Road Suite 110, San Rafael, CA 94903

Phone Number

(415) 460-1990

# of Employees

8

SEC notice filing (8 States and Territories)

Registered to provide investment advisory services in 8 US states and territories.

Documents

Customer Relationship Summary (CRS / SEC)Latest Form ADV

Part 2 Brochures

PUTNEY REVISED PART II OF FORM ADV APRIL 2025 (6/26/2026)

Regulatory Assets Under Management

Total Number of Accounts

948

AUM (Assets Under Management)

$205,409,186

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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.

Owner of The Putney Financial Group LLC,, dba, Registered Investment Advisor. Life and Long-Term Care Insurance Agent, CLU. San Rafael, CA. 1) Ray Lent holds a State of California Department of Insurance life and health insurance license. As such he can receive commissions from insurance companies. 1 hr/mo. Servicing existing policy holders. Risk Management Advisors, LLC., Owner, Fixed Insurance Sales; San Rafael, CA 94903; 25 hours per month, 10 during trading hours; Start date: 12/31/2023. 2) Numismatic Resale & Bookends. Non investment-related. San Rafael, CA. Rare Lithographic Resale. Owner/Operator. 1/2009. 5 hrs/mo. 1-2 hrs/mo during securities trading hrs. Secure and sell rare coins & prints. 3) Legacy Bridge Financial LLC - Owner, business consulting services and recruiting services, for compensation, San Rafael, CA 94903, 10 hours per month, 5 during trading hours. Start Date: 1/2025.

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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".

TP

THE PUTNEY FINANCIAL GROUP LLC

LENT, RAYMOND LAWRENCE | THE PUTNEY FINANCIAL GROUP, REGISTERED INVESTMENT ADVISORS | THE PUTNEY FINANCIAL GROUP LLC | RAYMOND LAWRENCE LENT DBA THE PUTNEY FINANCIAL GROUP | PORTSMOUTH-SMARTLIFE FINANCIAL GROUP, LLC | PORTSMOUTH FINANCIAL SERVICES, INC. | PLACER PARTNERS XVI - XVII

CRD#: 111639 / SEC#: 801-62638

RIA

Registered Investment Advisory firm - SEC (1/9/2004 Approved)

California

Registered Investment Advisory firm - California (1/13/2004 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.

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

Alabama
(3/13/2025)

IAR

California
(7/24/2024)

RR

California
(3/12/2025)

RR

Idaho
(6/17/2025)

RR

Nevada
(7/9/2025)

RR

New Mexico
(4/25/2025)

RR

Pennsylvania
(3/14/2025)

RR

Tennessee
(6/24/2025)

RR

Utah
(4/28/2025)

RR

Wisconsin
(5/1/2025)

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.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.

Series 65 — Uniform Investment Adviser Law Examination

Passed Jun 2024About the Series 65 exam

Series 63 — Uniform Securities Agent State Law Examination

Passed May 2003About the Series 63 exam

SIE — Securities Industry Essentials Examination

Passed Oct 2018About the SIE exam

Series 7 — General Securities Representative Examination

Passed Oct 1984About the Series 7 exam

Series 1 — Registered Representative Examination

Passed Jan 1976

Series 24 — General Securities Principal Examination

Passed Mar 2012About the Series 24 exam

FINRA

SRO Registrations

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CRS (Client Relationship Summary) - RIA

Click below to view Raymond Lawrence Lent's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

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