Mark Joseph Ducharme

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

• 03/2014 → 10/2025
  Commonwealth Financial Network
  Waltham, MA
• 03/2014 → Present
  Innovative Financial Inc
  Troy, MI
• 02/2002 → Present
  Ducharme Financial Services Inc
  Troy, MI
• 03/2014 → 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

• 2014-11-12 → 2025-11-04
  Commonwealth Financial Network
  Troy, MI

Other Businesses

1. NAME OF OTHER BUSINESS: INNOVATIVE FINANCIAL INC INVESTMENT RELATED: YES ADDRESS: SAME AS REGISTERED LOCATION NATURE OF BUSINESS: DBA FOR FINANCIAL SERVICES AND TAX BUSINESS START DATE: 03/03/2014 POSITION/TITLE/RELATIONSHIP: TAX PREPARER APX NUMBER OF HOURS PER WEEK: 18 APX NUMBER OF HOURS DURING TRADING HOURS: 12 BRIEF DESCRIPTION OF DUTIES: TAX PREPARATION; 2. NAME OF OTHER BUSINESS: DUCHARME FINANCIAL SERVICES INC INVESTMENT RELATED: NO ADDRESS: SAME AS REGISTERED LOCATION NATURE OF BUSINESS: ENTITY WAS ESTABLISHED FOR INCOME TAX PURPOSES ONLY START DATE: 2/2002 POSITION/TITLE/RELATIONSHIP: PRESIDENT APX NUMBER OF HOURS PER WEEK: 1 APX NUMBER OF HOURS DURING TRADING HOURS: 0 BRIEF DESCRIPTION OF DUTIES: OWNER; 3. NAME OF OTHER BUSINESS: INNOVATIVE FINANCIAL INC INVESTMENT RELATED: YES ADDRESS: SAME AS REGISTERED LOCATION NATURE OF BUSINESS: DBA FOR FINANCIAL SERVICES AND TAX BUSINESS START DATE: 03/03/2014 POSITION/TITLE/RELATIONSHIP: FINANCIAL PROFESSIONAL APX NUMBER OF HOURS PER WEEK: 40 APX NUMBER OF HOURS DURING TRADING HOURS: 32 BRIEF DESCRIPTION OF DUTIES: REVIEW SECURITY HOLDINGS AND MANAGE CLIENTS ACCOUNTS;

Exams

• S65 Uniform Investment Adviser Law Examination
  2014-11-06
• S63 Uniform Securities Agent State Law Examination
  2003-02-03