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RS

Richard E. Struthers

CLEARWATER CAPITAL MANAGEMENT
Naples, FL
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CRD#: 871078
RS

Professional summary


Richard Edward Struthers is a registered financial advisor currently at CLEARWATER CAPITAL MANAGEMENT located in Naples, Florida.

Richard is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1979. Richard has worked at 3 firms and has passed the Series 65, Series 63, Series 7, Series 1 and Series 24 exams.

top-8-questions

Question & Answer


Are you a "fiduciary"?
Yes

Aliases


None

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.
I serve as an independent trustee of the Madison Funds, 550 Science Drive Madison WI 53711. This is an investment related business and I began serving as a trustee in 2005. This position requires approximately 1-2 days of hours per month and approximately half of the time would be during securities trading hours.

Blog Corner


CRS (Client Relationship Summary) - RIA


Click below to view Richard Edward Struthers'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

February 14, 2018 - Present

CLEARWATER CAPITAL MANAGEMENT

RIA
CRD#: 115283
Naples, FL
Past

March 15, 1991 - February 3, 1998

IAI SECURITIES, INC.

BD
CRD#: 27917
MINNEAPOLIS, MN
Past

September 13, 1979 - January 1, 1988

DAIN RAUSCHER INCORPORATED

BD
CRD#: 7600

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".
CC
CLEARWATER CAPITAL MANAGEMENT
CLEARWATER CAPITAL MANAGEMENT | CLEARWATER CAPITAL MANAGEMENT LLC

CRD#: 115283 / SEC#: 801-134477

RIA
Registered Investment Advisory firm - (11/13/2025 Approved)
Minnesota
Registered Investment Advisory firm - (11/24/2025 Terminated)

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
Minnesota
(2/14/2018)

Exams


State Security Law Exam
IAR
Series 65
Date: 2/9/1998
Uniform Investment Adviser Law Examination
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
RR
Series 1
Date: 8/30/1979
Registered Representative Examination
Principal/Supervisory Exam
RR
Series 24
Date: 12/21/1990
General Securities Principal Examination

Current Firm


CC
CLEARWATER CAPITAL MANAGEMENT
CLEARWATER CAPITAL MANAGEMENT | CLEARWATER CAPITAL MANAGEMENT LLC

CRD#: 115283 / SEC#: 801-134477

RIA
Registered Investment Advisory firm - (11/13/2025 Approved)
Minnesota
Registered Investment Advisory firm - (11/24/2025 Terminated)
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Contact information


Main Address
Naples, FL
Mailing Address
Phone number
(612) 860-8489
Established
Firm type
Fiscal year end
# of Employees
1

SEC notice filing (2 States and Territories)


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Documents


Customer Relationship Summary (CRS / SEC)Latest Form ADV

Part 2 Brochures

FORM ADV PART 2A AND 2B (9/3/2025)

Regulatory assets under management


Total Number of Accounts21
AUM (Assets Under Management)$ 129,530,000

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.

Company Information


CLEARWATER CAPITAL MANAGEMENT

CRD#: 115283Naples, FL

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