Howard Clinton Young

Current Employers

St. Bernard Financial Services, Inc.

1609 West Main St, Russellville, AR 72801 • United States

Current Registrations

Authority	Category	Status	Date
IN	RA	APPROVED	2025-08-18

IN RA
APPROVED

Since 2025-08-18

Branch Locations

Carmel, IN • United States

1609 West Main St., Russellville, AR 72801 • UNITED STATES

1609 West Main St, Russellville, AR 72801 • United States

Disclosures

1 disclosure category reported Yes on this SEC record. Read each Yes below, then review the firm’s Form ADV Item 11 guide for how disclosure questions work.

Regulatory action Yes
Criminal No
Bankruptcy No
Civil judicial No
Bond No
Judgment / lien No
Investigation No
Customer complaint No
Termination No

Employment History

Organization	City	State	From	To
Cetera Financial Specialists Llc	Schaumburg	IL	03/2011	09/2016
Cetera Investment Advisers Llc	Schaumburg	IL	03/2011	09/2016
Heritage Wealth Consultants	Carmel	IN	04/2004	Present
Sagepoint Financial, Inc	Carmel	IN	09/2016	09/2023
Osaic Wealth, Inc.	Indianapolis	IN	09/2023	Present

03/2011 → 09/2016

Cetera Financial Specialists Llc

Schaumburg, IL
03/2011 → 09/2016

Cetera Investment Advisers Llc

Schaumburg, IL
04/2004 → Present

Heritage Wealth Consultants

Carmel, IN
09/2016 → 09/2023

Sagepoint Financial, Inc

Carmel, IN
09/2023 → Present

Osaic Wealth, Inc.

Indianapolis, IN

Previous Registrations

2023-09-01 → 2025-08-21

Osaic Wealth, Inc.

Indianapolis, IN
2016-09-20 → 2023-09-01

Osaic Services, Inc.

Carmel, IN

Indianapolis, IN

Carmel, IN

Indianapolis, IN

Indianapolis, IN
2011-04-01 → 2016-09-23

Cetera Investment Advisers Llc

Carmel, IN
2004-05-25 → 2011-02-11

Qa3 Financial Llc

Omaha, NE

Carmel, IN
2001-11-06 → 2004-04-26

Raymond James Financial Services, Inc.

Indianapolis, IN

Other Businesses

1. MAVEN RETIREMEMT ADVISORS POSITION: Financial Advisor NATURE: DBA INVESTMENT RELATED: Yes NUMBER OF HOURS: 100 SECURITIES TRADING HOURS: 100 START DATE: 07/24/2020 ADDRESS: 50 East 91st Street, Ste 314, Indianapolis IN 46240, United States DESCRIPTION: Financial Advisor. I perform all the duties of a RR/IAR of SPF, DBA Maven Retirement Advisors.

Exams

Code	Exam	Date
S65	Uniform Investment Adviser Law Examination	1999-12-29
S63	Uniform Securities Agent State Law Examination	1995-02-01

S65 Uniform Investment Adviser Law Examination

1999-12-29
S63 Uniform Securities Agent State Law Examination

1995-02-01

Designations

View on SEC IAPD