Howard Scott Krutoy

Employer firm

Merrill Lynch, Pierce, Fenner & Smith Incorporated CRD 7691

$1.78T regulatory AUM 16,844 advisory clients

Reported services (Item 5G)

• Portfolio management (individuals)
• Portfolio management (institutions)
• Pension consulting
• Selection of other advisers
• Educational seminars
• PERFORMANCE MEASUREMENT REPORTS, ALLOCATION MODELING, IPS, RESEARCH REPORTS AND SERVICES, SEE SCHEDULE D

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

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

Current Employers

Employment History

• 05/2015 → Present
  Merrill Lynch, Pierce, Fenner & Smith Incorporated
  Chandler, AZ

Previous Registrations

• 2014-02-18 → 2015-02-13
  Edelman Financial Engines
  Phoenix, AZ
• 2008-03-11 → 2013-12-12
  Usaa Financial Planning Services
  Peoria, AZ
  Phoenix, AZ
  Phoenix, AZ

Exams

• S66 Uniform Combined State Law Examination
  2008-02-18
• S63 Uniform Securities Agent State Law Examination
  1999-11-29