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Richard Edward Struthers

CLEARWATER CAPITAL MANAGEMENT
NAPLES, FL
·CRD# 871078·47 years experience

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.

At a Glance

Always Fiduciary

Fiduciary Standard

Fee Structure

Account Minimum

Active Clients

Fiduciary Standard

Fee Structure

Account Minimum

Active Clients

Other Aliases

There are no additional aliases reported.

Blog Corner

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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

47 years in the financial services industry

Current & Past Employments

CLEARWATER CAPITAL MANAGEMENT·CRD# 115283
RIA
Naples, FL
February 14, 2018 - Present
IAI SECURITIES, INC.·CRD# 27917
BD
Minneapolis, MN
March 15, 1991 - February 3, 1998
DAIN RAUSCHER INCORPORATED·CRD# 7600
BD
September 13, 1979 - January 1, 1988

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Current Firm

CC
CLEARWATER CAPITAL MANAGEMENT

CLEARWATER CAPITAL MANAGEMENT | CLEARWATER CAPITAL MANAGEMENT LLC

CRD#: 115283 / SEC#: 801-134477
RIA
Registered Investment Advisory firm - SEC (11/13/2025 Approved)
Minnesota
Registered Investment Advisory firm - Minnesota (11/24/2025 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

Naples, FL

Phone Number

(612) 860-8489

# of Employees

1

SEC notice filing (2 States and Territories)

Registered to provide investment advisory services in 2 US states and territories.

Documents

Customer Relationship Summary (CRS / SEC)Latest Form ADV

Part 2 Brochures

FORM ADV PART 2A AND 2B (3/2/2026)

Regulatory Assets Under Management

Total Number of Accounts

18

AUM (Assets Under Management)

$139,300,000

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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.

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.

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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".
CC
CLEARWATER CAPITAL MANAGEMENT

CLEARWATER CAPITAL MANAGEMENT | CLEARWATER CAPITAL MANAGEMENT LLC

CRD#: 115283 / SEC#: 801-134477
RIA
Registered Investment Advisory firm - SEC (11/13/2025 Approved)
Minnesota
Registered Investment Advisory firm - Minnesota (11/24/2025 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.
IAR
Florida
(12/19/2025)
IAR
Minnesota
(2/14/2018)

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.

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 Feb 1998About the Series 65 exam

Series 63 — Uniform Securities Agent State Law Examination

Passed Dec 1990About the Series 63 exam

Series 7 — General Securities Representative Examination

Passed Dec 1990About the Series 7 exam

Series 1 — Registered Representative Examination

Passed Aug 1979

Series 24 — General Securities Principal Examination

Passed Dec 1990About the Series 24 exam

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CRS (Client Relationship Summary) - RIA

Click below to view Richard Edward Struthers's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

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