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Cheryl Kunstle

Advisor at Cetera

Updated today

Location

Sturgis, SD

Credentials

CFA®, Series 63

Industry experience

25 years

About

Cheryl Kunstle is a CFA® charterholder and holds a Series 63 license with 25 years of industry experience. She is currently affiliated with Cetera and has also been involved with Tartan Financial Services, LLC and Cetera Wealth Services, LLC. Outside of her advisory work, she owns and operates a business consulting service focused on office efficiencies, technology, business development, marketing, and staffing, as well as providing tax preparation services through a separate accounting and tax advisory firm. Cetera Investment Advisers serves individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors, offering portfolio management, financial planning, fiduciary solutions, and access to third-party managers. The firm combines retirement and fiduciary capabilities with a broad advisory platform, supported by multiple program structures and custodial arrangements.

Client services

Based on Cetera

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Based on Cetera

Wealth management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Charitable giving & philanthropy

Occupation focus

Based on Cetera

Founder/Business Owner Executive Retired

Demographic focus

Based on Cetera

HENRY (High Earners, Not Rich Yet) Approaching retirement

Fee options

Fixed

Flat fees for financial planning and consulting negotiated with client

Percentage

$0 - $250,000: Up to 2.75% $250,001 - $500,000: Up to 2.50% $500,001 - $750,000: Up to 2.00% $750,001 - $1,000,000: Up to 1.75% $1,000,001 - $2,000,000: Up to 1.50% $2,000,001 - $5,000,000: Up to 1.25% $5,000,001+: As low as 0.75% (varies by program)

Project-based

Hourly consulting and financial planning rates negotiated with client

Other

Account minimum: $5,000 Minimum fee: Minimum program fees ranging from $99 to $199 annually depending on program Fee-only: Flat or hourly fees for financial planning and consulting services, negotiated case-by-case

Location

Sturgis, SD

Most active in

Illinois · South Dakota · Texas

Work history

Cetera

2023 - Present (3 years)

Tartan Financial Services, LLC

2018 - Present (8 years)

Cetera Wealth Services, LLC

2017 - Present (9 years)

Financial Services Consulting

2011 - Present (15 years)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

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Aaron H

Series 65

Piedmont, SD

RIA Advisory Group, LLC

Aaron Hanson is a financial advisor at RIA Advisory Group, LLC with one year of industry experience. He holds a Series 65 credential and has prior work experience at Brighter Electric and Rapid Spa. RIA Advisory Group, LLC is a multi-team registered investment adviser serving individuals, trusts, estates, corporations, and other entities. The firm manages a diversified portfolio including equities, fixed income, mutual funds, ETFs, REITs, insurance products, and private placements, typically on a discretionary basis using a combination of charting, fundamental, and technical analysis.

Annuities
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Christopher H

Series 63, Series 65

Piedmont, SD

RIA Advisory Group, LLC

Christopher Hanson is a financial advisor with RIA Advisory Group, LLC, holding Series 63 and Series 65 licenses and 28 years of industry experience. His prior roles include positions at VisionPoint Advisory Group, LPL Financial, and Principal Financial Group. Outside of advising, he operates a small ranch in Piedmont, South Dakota. RIA Advisory Group, LLC is a multi-team registered investment adviser serving individuals, trusts, estates, corporations, and other entities. The firm employs a mix of equities, fixed income, mutual funds, ETFs, REITs, insurance products, and private placements, managing accounts primarily on a discretionary basis using both fundamental and technical analysis.

Annuities
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Lisa N

Series 63

Edina, MN

Ameriprise

Lisa Nelson is a financial advisor with Ameriprise in Edina, MN, holding a Series 63 designation and 22 years of industry experience. She has been with Ameriprise and its affiliated entities since 2009. Outside of her advisory work, she is involved in cosmetic and personal care product sales through her ownership of BlueStone Enterprises, LLC. Ameriprise offers a retirement-income planning service focused on clients with significant investable assets, providing written, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional firm.

Retirement income strategy Income planning Social Security optimization Retirement withdrawal strategies Approaching retirement
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Kathryn W

Series 63, Series 65

Whitewood, SD

OSAIC

Kathryn Wilson is a financial advisor at OSAIC with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several firms including Securities America Advisors, Arbor Point Advisors, and KMS Financial Services. In addition to her advisory role, she sells term and hybrid life insurance policies with long-term care riders as a service to clients for estate planning purposes. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer serving a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a combination of risk-tolerance assessments, asset allocation software, and portfolio optimization tools, offering a range of investment options and programs through a large network of advisors.

Annuities Founder/Business Owner Executive Retired

Chelsea M

Series 66

Sturgis, SD

Edward Jones

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Robert G

Series 63, Series 66

Sturgis, SD

Edward Jones

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