Michael Wittenberg
Advisor at Cetera
Updated today
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
Cetera
Location
Winston Salem, NC 27103
Credentials
CFP®, ChFC®, Series 63, Series 65, Series 66
Industry experience
41 years
About
Michael Wittenberg is a CFP® and ChFC® with 41 years of industry experience, currently serving at Cetera since 2020. His prior experience includes over two decades at First Allied Securities and Advisory Services. Outside of his advisory role, he is an instructor at Forsyth Technical Community College, a FINRA arbitrator and expert witness, and the author of a book on estate planning titled *Are You Ready? Protecting and Preparing Your Family for Estate Issues Before and After Death*. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth, institutional, and retirement-plan clients through a large independent advisor network. The firm offers a range of portfolio management and fiduciary services, combining retirement capabilities with institutional trust solutions within a broad advisory platform.
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
Fee options
Flat fees for financial planning and consulting negotiated with client
$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)
Hourly consulting and financial planning rates negotiated with client
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
2990 Bethesda Place, Suite #606 B
Winston Salem, NC 27103
Most active in
Michael W has reported serving >5 clients in these states in the last 12 months.
North Carolina
Work history
Cetera Advisors LLC
2022 - Present (4 years)
Cetera
2020 - Present (6 years)
First Allied Advisory Services, Inc.
2015 - 2020 (5 years)
First Allied Securities, INC
2000 - 2022 (22 years)
Disclosures
Disclosures include customer complaints, regulatory actions, employment terminations, bankruptcies, and certain legal protections.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Trust company
They provide trust and estate administration services, typically for separate fees.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Winston Salem, NC
Grand Street Capital Management, L.L.C.
Brett N
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Winston Salem, NC
Kensington Financial Group, Inc.
Tyler S
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Winston Salem, NC
Dixon and Company Wealth Management, LLC
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