Richard S. Bernstein

CETERA INVESTMENT ADVISERS LLC

Naples, FL

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CRD#: 872999

Professional summary

Richard Steven Bernstein, who also goes by Rick Bernstein, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Naples, Florida and CETERA ADVISORS LLC located in Naples, Florida.

Richard is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1979. Richard has worked at 14 firms and has passed the Series 63, SIE, Series 7, Series 10, Series 9, Series 27, Series 53 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Rick Bernstein

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. NAME OF OTHER BUSINESS: TOTUS WEALTH MANAGEMENT INVESTMENT RELATED: YES ADDRESS: SAME AS REGISTERED LOCATION NATURE OF BUSINESS: FINANCIAL ADVISORY SERVICES START DATE: 05/2025 POSITION/TITLE/RELATIONSHIP: FINANCIAL ADVISOR APX NUMBER OF HOURS PER WEEK: 40 APX NUMBER OF HOURS DURING TRADING HOURS: 35 BRIEF DESCRIPTION OF DUTIES: FINANCIAL SERVICES, PLANNING, INDEPENDENT CONTRACTOR 2. NAME OF OTHER BUSINESS: HARBOR INVESTMENT MANAGEMENT INVESTMENT RELATED: YES ADDRESS: SAME AS REGISTERED LOCATION NATURE OF BUSINESS: FINANCIAL SERVICES START DATE: 04/2025 POSITION/TITLE/RELATIONSHIP: MANAGING DIRECTOR APX NUMBER OF HOURS PER WEEK: 40 APX NUMBER OF HOURS DURING TRADING HOURS: 35 BRIEF DESCRIPTION OF DUTIES: FINANCIAL SERVICES AND PLANNING

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Richard Steven Bernstein'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®

CRD#: 4

FT. LAUDERDALE, FL

Past

January 3, 1994 - February 19, 1997

JWGENESIS SECURITIES, INC.

CRD#: 33832

BOCA RATON, FL

Past

January 3, 1992 - January 3, 1994

JW GENESIS CLEARING CORP.

CRD#: 6631

BOCA RATON, FL

Past

September 13, 1991 - January 10, 1992

CLAYTON SECURITIES SERVICES, INC.

CRD#: 23768

CLAYTON, MO

Past

August 9, 1989 - November 12, 1991

BERKSHIRE SECURITIES LTD INC

CRD#: 23788

Past

September 11, 1987 - October 18, 1989

ADAMS, BLOCK & COE SECURITIES, INC.

CRD#: 19439

FT. LAUDERDALE, FL

Past

November 20, 1979 - April 20, 1987

FIRST INTERREGIONAL EQUITY CORP.

CRD#: 7486

Past

October 29, 1979 - December 1, 1979

GIBRALTAR SECURITIES CO.

CRD#: 7093

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
(4/28/2025)

California
(4/28/2025)

Colorado
(4/28/2025)

Connecticut
(4/28/2025)

Florida
(4/28/2025)

IAR

Florida
(4/30/2025)

Georgia
(4/28/2025)

Illinois
(4/28/2025)

Massachusetts
(4/28/2025)

New Hampshire
(4/28/2025)

New Jersey
(4/28/2025)

New York
(4/28/2025)

Ohio
(4/29/2025)

Pennsylvania
(4/28/2025)

Tennessee
(4/28/2025)

Texas
(4/28/2025)

IAR

Texas
(4/28/2025)

Virginia
(4/28/2025)

Washington
(4/30/2025)

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.

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.

Contact information

(xxx) xxx-xxxx

xxxxx@xxxx.xxx

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Firm Stability Insights

Richard S. Bernstein

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Richard Steven Bernstein's CRS (Customer Relationship Summary).

Certified licenses

Experience

CETERA ADVISORS LLC

LPL FINANCIAL LLC

LPL FINANCIAL LLC

RAYMOND JAMES & ASSOCIATES, INC.

RAYMOND JAMES & ASSOCIATES, INC.

MORGAN KEEGAN & COMPANY, LLC

MORGAN KEEGAN & COMPANY, LLC

WELLS FARGO CLEARING SERVICES, LLC

WELLS FARGO CLEARING SERVICES, LLC

A. G. EDWARDS & SONS, INC.

A. G. EDWARDS & SONS, INC.

JWGENESIS SECURITIES, INC.

JW GENESIS CLEARING CORP.

CLAYTON SECURITIES SERVICES, INC.

BERKSHIRE SECURITIES LTD INC

ADAMS, BLOCK & COE SECURITIES, INC.

FIRST INTERREGIONAL EQUITY CORP.

GIBRALTAR SECURITIES CO.

Primary Firm SEC Registration

CETERA INVESTMENT ADVISERS LLC

State Registrations and Notice Filings

Exams

Series 63

Date: 7/20/1984

SIE

Date: 10/1/2018

Series 7

Date: 10/20/1979

Series 10

Date: 11/23/2004

Series 9

Date: 10/22/2004

Series 27

Date: 6/12/1989

Series 53

Date: 12/22/1987

Series 24

Date: 7/19/1983

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

Contact information

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