Raymond L. Lent

THE PUTNEY FINANCIAL GROUP LLC

San Rafael, CA 94903

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CRD#: 817645

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 1 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Ray Lent

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, Registered Investment Advisor. Life and Long-Term Care Insurance Agent, CLU. San Rafael, CA. 1) Mr. Lent, together with his partner, Echo Chien, are sole owners of Portsmouth Financial Services Inc. ("Portsmouth" "PFS"), a San Francisco-based FINRA member broker-dealer (CRD #13980). Portsmouth Financial Services, Inc. is dually licensed as a California state Investment Advisor ("IA") and a FINRA Broker-Dealer ("BD"). Mr. Lent serves as Chairman of the Board and is a Registered Representative with Portsmouth. Portsmouth Financial is located at San Francisco, CA. 2) 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. 3) 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.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Raymond Lawrence Lent'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

July 24, 2024 - Present

THE PUTNEY FINANCIAL GROUP LLC

Office #1: 100 Smith Ranch Road Suite 110, San Rafael, CA 94903

RIA

CRD#: 111639

San Rafael, CA

Current

December 8, 2024 - Present

ARETE WEALTH MANAGEMENT, LLC

Office #1: 100 Smith Ranch Road Suite 110, San Rafael, CA 94903

CRD#: 44856

San Rafael, CA

Past

July 26, 2010 - December 31, 2024

PORTSMOUTH FINANCIAL SERVICES

CRD#: 13980

SAN RAFAEL, CA

Past

May 3, 1999 - November 4, 1999

PARK AVENUE SECURITIES LLC

CRD#: 46173

NEW YORK, NY

Past

July 29, 1998 - July 26, 2010

MCCLURG CAPITAL CORPORATION

CRD#: 16798

SAN RAFAEL, CA

Past

April 20, 1998 - May 3, 1999

GUARDIAN INVESTOR SERVICES LLC

CRD#: 6635

NEW YORK, NY

Past

August 5, 1997 - July 27, 1998

CENTAURUS FINANCIAL, INC.

CRD#: 30833

ANAHEIM, CA

Past

January 27, 1976 - October 15, 1990

THE MUTUAL LIFE INSURANCE COMPANY OF NEW YORK

CRD#: 2873

NEW YORK, NY

Past

January 27, 1976 - August 22, 1997

MONY SECURITIES CORPORATION

CRD#: 4386

NEW YORK, NY

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".

THE PUTNEY FINANCIAL GROUP LLC

CRD#: 111639 / SEC#: 801-62638

RIA

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

California

Registered Investment Advisory firm - (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.

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

Alabama
(3/13/2025)

IAR

California
(7/24/2024)

California
(3/12/2025)

Idaho
(6/17/2025)

Nevada
(7/9/2025)

New Mexico
(4/25/2025)

Pennsylvania
(3/14/2025)

Tennessee
(6/24/2025)

Utah
(4/28/2025)

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

State Security Law Exam

IAR

Series 65

Date: 6/26/2024

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 5/8/2003

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 10/20/1984

General Securities Representative Examination

General Industry/Product Exam

Series 1

Date: 1/19/1976

Registered Representative Examination

Principal/Supervisory Exam

Series 24

Date: 3/22/2012

General Securities Principal Examination

SRO Registrations

FINRA

Current Firm

THE PUTNEY FINANCIAL GROUP LLC

CRD#: 111639 / SEC#: 801-62638

RIA

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

California

Registered Investment Advisory firm - (1/13/2004 Terminated)

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Contact information

Main Address

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

Mailing Address

Phone number

(415) 460-1990

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (8 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

PUTNEY REVISED PART II OF FORM ADV APRIL 2025 (5/5/2025)

Regulatory assets under management

Total Number of Accounts	992
AUM (Assets Under Management)	$ 187,290,545

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

Raymond L. Lent

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

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

Certified licenses

Experience

ARETE WEALTH MANAGEMENT, LLC

PORTSMOUTH FINANCIAL SERVICES

PARK AVENUE SECURITIES LLC

MCCLURG CAPITAL CORPORATION

GUARDIAN INVESTOR SERVICES LLC

CENTAURUS FINANCIAL, INC.

THE MUTUAL LIFE INSURANCE COMPANY OF NEW YORK

MONY SECURITIES CORPORATION

Primary Firm SEC Registration

THE PUTNEY FINANCIAL GROUP LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 6/26/2024

Series 63

Date: 5/8/2003

SIE

Date: 10/1/2018

Series 7

Date: 10/20/1984

Series 1

Date: 1/19/1976

Series 24

Date: 3/22/2012

FINRA

Current Firm

THE PUTNEY FINANCIAL GROUP LLC

Contact information

SEC notice filing (8 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

THE PUTNEY FINANCIAL GROUP LLC

TRUST BUT VERIFY

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