James Donald Richards

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

• 03/1990 → Present
  The Richards Financial Group Inc
  Denver, CO
• 09/1992 → Present
  Physicians Benefits Corporation
  Englewood, CO
• 09/2013 → Present
  Cetera Wealth Services, Llc
  El Segundo, CT
• 08/2014 → Present
  Vantage Financial Group, Inc.
  Englewood, CO
• 06/2023 → Present
  Cetera Investment Advisers Llc
  Schaumburg, IL
• 02/2025 → Present
  Texarado Western Advisors, Llc
  Englewood, CO
• 05/2025 → Present
  Texarado Western Financial, Llc
  Englewood, CO

Previous Registrations

• 2014-09-03 → 2020-11-13
  Vantage Financial Group, Inc.
  Englewood, CO
  Cleveland, OH
• 2006-05-03 → 2013-09-03
  Walnut Street Securities, Inc.
  Englewood, CO
  Englewood, CO
• 1999-01-01 → 2006-11-02
  Walnut Street Advisers Inc
  Englewood, CO

Other Businesses

(1) INDEPENDENT INSURANCE AGENT, DISABILITY, FIXED ANNUITIES, LIFE/ACCIDENT/HEALTH, LONG-TERM CARE, FOR 20HRS/WK & 10HRS EVENING & WKENDS, SINCE 1984; (2) NAME OF OTHER BUSINESS: DBA THE RICHARDS FINANCIAL GROUP, INC.; INVESTMENT RELATED: YES; ADDRESS: SAME AS REGISTERED; NATURE OF BUSINESS: FINANCIAL SERVICES; START DATE: 1992; POSITION/TITLE/RELATIONSHIP: PRESIDENT & ADVISOR; APX NUMBER OF HOURS PER WEEK: 60 HOURS; APX NUMBER OF HOURS DURING TRADING HOURS: 32.5 HOURS; BRIEF DESCRIPTION OF DUTIES: DBA FOR INSURANCE & SECURITIES BUSINESS. (3) NAME OF OTHER BUSINESS: INVERNESS GROUP LLC INVESTMENT RELATED: NO ADDRESS: SAME AS REGISTERED LOCATION NATURE OF BUSINESS: REAL ESTATE HOLDING START DATE: 6/2002 APX NUMBER OF HOURS PER WEEK: 1 APX NUMBER OF HOURS DURING TRADING HOURS: 1 POSITION: OWNER BRIEF DESCRIPTION OF DUTIES: GENERAL DUTIES ; (4) NAME OF OTHER BUSINESS: COLORDO FARM BUREAU; INVESTMENT RELATED: NO; ADDRESS: 9177 EAST MINERAL AVENUE CENTENNIAL, CO 80112; NATURE OF BUSINESS: ADVOCACY; START DATE: 4/2022; POSITION/TITLE/RELATIONSHIP: BOARD MEMBER/LIASON; APX NUMBER OF HOURS PER WEEK: VARIES; APX NUMBER OF HOURS DURING TRADING HOURS: VARIES ; BRIEF DESCRIPTION OF DUTIES: COMMUNICATE MISSION, VISION AND ACTIVITIES TO MEMBERS, INTERPRET POLICY, APPROVE APPOINTMENTS AND BUDGET; 5) NAME OF OTHER BUSINESS: COLORADO FARM BUREAU; INVESTMENT RELATED: NO; ADDRESS: 9177 EAST MINERAL CIRCLE, CENTENNIAL, CO 80112; NATURE OF BUSINESS: PAC COMMITTEE; START: 1/2025; POSITION/TITLE/RELATIONSHIP: COMMITTEE MEMBER; APX NUMBER OF HOURS PER WEEK: 2; APX NUMBER OF HOURS DURING TRADING HOURS: 0; DUTIES: OVERSIGHT OF FUNDRAISING & EXPENDITURES, ASSIST WITH FUNDRAISING EFFORTS, REVIEW RECOMMENDATIONS PUT FORTH BY THE IN-HOUSE & CONTRACT LOBBY TEAMS FOR CONTRIBUTIONS TO CANDIDATES, CAMPAIGNS, AND OTHER PAC'S; (6) NAME OF OTHER BUSINESS: COLORADO FFA FOUNDATION, INVESTMENT RELATED: NO, ADDRESS: 4777 NATIONAL WESTERN DRIVE, DENVER, CO 80216, NATURE OF BUSINESS: NON-PROFIT, START DATE: 07/2023, POSITION/TITLE/RELATIONSHIP: BOARD MEMBER, APX NUMBER OF HOURS PER WEEK: 1, APX NUMBER OF HOURS DURING TRADING HOURS: 1, BRIEF DESCRIPTION OF DUTIES: COMMUNICATE MISSION, VISION, AND ACTIVITIES TO INDIVIDUALS AND BUSINESSES THAT SUPPORT AGRICULTURAL EDUCATION IN COLORADO, ATTEND EVENTS, INTERPRET POLICY, APPROVE APPOINTMENTS AND BUDGET; (7) NAME OF OTHER BUSINESS: TEXARADO WESTERN ADVISORS, LLC; INVESTMENT RELATED: YES; ADDRESS: SAME AS REGISTERED LOCATION; NATURE OF BUSINESS: FINANCIAL SERVICES; START DATE: 02/2025; POSITION/TITLE/RELATIONSHIP: OWNER/FINANCIAL PROFESSIONAL; APX NUMBER OF HOURS PER WEEK: 10; APX NUMBER OF HOURS DURING TRADING HOURS: 10; BRIEF DESCRIPTION OF DUTIES: DBA FOR FINANCIAL SERVICES; 6. NAME OF OTHER BUSINESS: TEXARADO WESTERN FINANCIAL, LLC; INVESTMENT RELATED: YES, ADDRESS: SAME AS REGISTERED LOCATION, NATURE OF BUSINESS: FINANCIAL SERVICES, START DATE: 5/2025, POSITION/TITLE/RELATIONSHIP: OWNER, APX NUMBER OF HOURS PER WEEK: 40, APX NUMBER OF HOURS DURING TRADING HOURS: 32.5, BRIEF DESCRIPTION OF DUTIES: DBA FOR FINANCIAL SERVICES;

Exams

• S65 Uniform Investment Adviser Law Examination
  1999-11-04
• S63 Uniform Securities Agent State Law Examination
  1984-07-25

Designations

• Certified Financial Planner

Other Names

• James D Richards