Christian Richard Benard

Employer firm

Cetera Investment Advisers LLC CRD 105644

$257B regulatory AUM 24,019 advisory clients

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• Portfolio management (institutions)
• Pension consulting
• Selection of other advisers
• Educational seminars

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 01/2006 → 10/2025
  Commonwealth Financial Network
  Waltham, MA
• 01/2006 → Present
  Innovative Financial Inc.
  Troy, MI
• 10/2025 → Present
  Cetera Wealth Services, Llc
  El Segundo, CA
• 10/2025 → Present
  Cetera Investment Advisers Llc
  Schaumburg, IL

Previous Registrations

• 2010-08-16 → 2025-11-04
  Commonwealth Financial Network
  Troy, MI
  Troy, MI

Other Businesses

1. NAME OF OTHER BUSINESS: INNOVATIVE FINANCIAL INC. INVESTMENT RELATED: YES ADDRESS: SAME AS REGISTERED LOCATION NATURE OF BUSINESS: FINANCIAL SERVICES START DATE: 10/2025 POSITION/TITLE/RELATIONSHIP: OWNER / PRESIDENT APX NUMBER OF HOURS PER WEEK: 40 APX NUMBER OF HOURS DURING TRADING HOURS: 40 BRIEF DESCRIPTION OF DUTIES: FINANCIAL AND TAX PLANNING 2. NAME OF OTHER BUSINESS: FIXED INSURANCE WITH VARIOUS COMPANIES INVESTMENT RELATED: YES ADDRESS: SAME AS REGISTERED LOCATION NATURE OF BUSINESS: FIXED INSURANCE START DATE: 10/2025 POSITION/TITLE/RELATIONSHIP: INSURANCE AGENT APX NUMBER OF HOURS PER WEEK: 5 APX NUMBER OF HOURS DURING TRADING HOURS: 5 BRIEF DESCRIPTION OF DUTIES: SALES OF FIXED INSURANCE PRODUCTS 3. NAME OF OTHER BUSINESS: BUTCHER BAR INVESTMENT RELATED: NO ADDRESS: OAKLAND TWP, MI NATURE OF BUSINESS: RESTAURANT START DATE: 06/2015 POSITION/TITLE/RELATIONSHIP: NO TITLE, JUST A SILENT INVESTOR APX NUMBER OF HOURS PER WEEK: 0 APX NUMBER OF HOURS DURING TRADING HOURS: 0 BRIEF DESCRIPTION OF DUTIES: HOSPITALITY 4. NAME OF OTHER BUSINESS: SECOND BEST INVESTMENT RELATED: NO ADDRESS: OAKLAND TWP, MI NATURE OF BUSINESS: HOSPITALITY START DATE: 06/2018 POSITION/TITLE/RELATIONSHIP: NO TITLE, JUST A SILENT INVESTOR APX NUMBER OF HOURS PER WEEK: 0 APX NUMBER OF HOURS DURING TRADING HOURS: 0 BRIEF DESCRIPTION OF DUTIES: HOSPITALITY.

Exams

• S66 Uniform Combined State Law Examination
  2010-06-15

Designations

• Certified Financial Planner