Cynthia L. Schwert

CETERA INVESTMENT ADVISERS LLC

PALM DESERT, CA

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CRD#: 869644

Professional summary

Cynthia Lee Schwert, CFP®, who also goes by Cynthia Schwert Ray, Cynthia Ray Schwert, Cynthia Schwert, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Palm Desert, California and CETERA ADVISORS LLC located in Palm Desert, California.

Cynthia is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1979. Cynthia has worked at 10 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

Cynthia Schwert Ray | Cynthia Ray Schwert | Cynthia Schwert

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.

1) FIXED INSURANCE AGENT; 2) NAME OF OTHER BUSINESS: STRATEGIC FINANCIAL SERVICES; INVESTMENT RELATED: YES; ADDRESS: SAME AS REGISTERED LOCATION; NATURE OF BUSINESS: DBA FOR FINANCIAL SERVICES; START DATE: 09/2000; POSITION/TITLE/RELATIONSHIP: OWNER; APX NUMBER OF HOURS PER WEEK: 40; APX NUMBER OF HOURS DURING TRADING HOURS: 32.5; BRIEF DESCRIPTION OF DUTIES: DBA FOR FINANCIAL SERVICES; 3) NAME OF OTHER BUSINESS: N/A ; INVESTMENT RELATED: NO ; ADDRESS: SAME AS REGISTERED LOCATION ; NATURE OF BUSINESS: ADULT EDUCATION ; START DATE: 10/2019 ; POSITION/TITLE/RELATIONSHIP: CLASS INSTRUCTOR ; APX NUMBER OF HOURS PER WEEK: VARIES ; APX NUMBER OF HOURS DURING TRADING HOURS: VARIES ; BRIEF DESCRIPTION OF DUTIES: TEACH SAVVY SOCIAL SECURITY FOR BOOMERS CLASS ;

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Cynthia Lee Schwert'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®

CFP^®

Certified Financial Planner

Start date: 1987

Experience

Current

March 21, 2024 - Present

CETERA INVESTMENT ADVISERS LLC

RIA

CRD#: 105644

PALM DESERT, CA

Current

January 1, 2004 - Present

CRD#: 10332

HUDSON, OH

Past

April 17, 1997 - December 17, 1997

GOLDK INVESTMENT SERVICES, INC

CRD#: 15514

BOSTON, MA

Past

March 13, 1996 - April 2, 1997

OSAIC WEALTH, INC.

CRD#: 23131

SCOTTSDALE, AZ

Past

August 8, 1979 - December 24, 1986

AMERICAN EXPRESS FINANCIAL CORPORATION

CRD#: 6320

Past

August 8, 1979 - March 13, 1996

IDS LIFE INSURANCE COMPANY

CRD#: 6321

MINNEAPOLIS, MN

Past

August 8, 1979 - March 13, 1996

AMERIPRISE FINANCIAL SERVICES, LLC

CRD#: 6363

MINNEAPOLIS, MN

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".

CETERA INVESTMENT ADVISERS LLC

CRD#: 105644 / SEC#: 801-20406

RIA

Registered Investment Advisory firm - (1/13/1984 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.

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

Arizona
(5/1/2008)

California
(1/1/2004)

IAR

California
(3/21/2024)

Florida
(1/23/2014)

Kansas
(6/2/2015)

Maine
(1/11/2012)

Michigan
(1/1/2004)

Minnesota
(1/1/2004)

IAR

Minnesota
(6/13/2025)

Missouri
(12/21/2020)

New Mexico
(4/19/2024)

Oregon
(3/14/2016)

Texas
(1/23/2009)

IAR

Texas
(3/21/2024)

Virginia
(6/13/2017)

Washington
(2/26/2014)

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: 8/25/1998

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 10/11/1988

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: 12/21/1985

General Securities Representative Examination

General Industry/Product Exam

Series 1

Date: 7/26/1979

Registered Representative Examination

Principal/Supervisory Exam

Series 24

Date: 3/30/1989

General Securities Principal Examination

SRO Registrations

FINRA

Current Firm

CETERA INVESTMENT ADVISERS LLC

CRD#: 105644 / SEC#: 801-20406

RIA

Registered Investment Advisory firm - (1/13/1984 Approved)

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Contact information

Main Address

1450 American Lane 6th Floor, Suite 650, Schaumburg, IL 60173-2096

Mailing Address

Phone number

(310) 257-7880

Established

Firm type

Fiscal year end

# of Employees

7,705

SEC notice filing (53 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Regulatory assets under management

Total Number of Accounts	584,487
AUM (Assets Under Management)	$ 163,792,814,520

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
10/27/2025	Cover Page	Report
12/13/2024	Cover Page	Report
09/26/2023	Cover Page	Report
11/18/2022	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

Cynthia L. Schwert

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Cynthia Lee Schwert's CRS (Customer Relationship Summary).

Certified licenses

Experience

CETERA ADVISORS LLC

UNITED CAPITAL FINANCIAL ADVISORS

CETERA ADVISORS LLC

CS FINANCIAL

VESTAX SECURITIES CORPORATION

VESTAX SECURITIES CORPORATION

GOLDK INVESTMENT SERVICES, INC

OSAIC WEALTH, INC.

AMERICAN EXPRESS FINANCIAL CORPORATION

IDS LIFE INSURANCE COMPANY

AMERIPRISE FINANCIAL SERVICES, LLC

Primary Firm SEC Registration

CETERA INVESTMENT ADVISERS LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 8/25/1998

Series 63

Date: 10/11/1988

SIE

Date: 10/1/2018

Series 7

Date: 12/21/1985

Series 1

Date: 7/26/1979

Series 24

Date: 3/30/1989

FINRA

Current Firm

CETERA INVESTMENT ADVISERS LLC

Contact information

SEC notice filing (53 States and Territories)

Documents

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

CETERA INVESTMENT ADVISERS LLC

TRUST BUT VERIFY

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