Karen Anne Stephens

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

• 09/1991 → 05/2020
  Wipfli, Llp
  Denver, CO
• 10/2016 → 07/2020
  Proequities, Inc
  Rio Verde, AZ
• 02/2012 → 12/2020
  Kresl Baker Ltd
  Rio Verde, AZ
• 01/2013 → 12/2020
  Creative Property Solutions Llc
  Rio Verde, AZ
• 08/2020 → 09/2025
  Avantax Investments Services, Inc.
  Rio Verde, AZ
• 12/2003 → Present
  Karen A Stephens, Cpa
  Rio Verde, AZ
• 02/2021 → 09/2025
  Avantax Advisory Services
  Rio Verde, AZ
• 09/2025 → Present
  Cetera Wealth Services, Llc
  Rio Verde, AZ
• 09/2025 → Present
  Cetera Investment Advisers Llc
  Schaumburg, IL

Previous Registrations

• 2021-02-16 → 2025-09-05
  Avantax Advisory Services
  Rio Verde, AZ

Other Businesses

1) Karen A Stephens, CPA 19047 E Amethyst Ct~Rio Verde~AZ~85263~Accounting Services/Tax Preparation~Owner~12/1/2003~0hrs~0hrs~I provide consultations, tax preparation and tax filings for clients. This could include phone conversations, in-person meetings, or Go-To meetings. Consultations would include IRS guidelines, retirement information, tax planning, and/or State income tax requirements. I have no clients at this time. 2) KAREN A STEPHENS, CPA POSITION: Owner NATURE: ~; Tax and financial consulting and tax preparation for individuals and small businesses. INVESTMENT RELATED: No NUMBER OF HOURS: 32 SECURITIES TRADING HOURS: 32 START DATE: 12/01/2020 ADDRESS: 19047 E Amethyst Ct, Rio Verde AZ 85263, DESCRIPTION: ~; I provide consultations, tax preparation and tax filings for clients. This could include phone conversations, in-person meetings, or Go-To meetings. Consultations would include IRS guidelines, retirement information, tax planning, and/or State income tax requirements. 3) TONTO VERDE ASSOCIATION POSITION: Community Volunteer for the Finance & Investment Committee NATURE: Review & advise on matters of Association budgeting & expenditures. Implement & maintain Investment Policy. Review calculations of cash available to invest or needed for expenditures and make recommendations to the Board of Directors. INVESTMENT RELATED: Yes NUMBER OF HOURS: 6 SECURITIES TRADING HOURS: 3 START DATE: 03/01/2021 ADDRESS: 19047 E Amethyst Ct, Rio Verde AZ 85263, United States DESCRIPTION: I meet monthly with 7-8 other community volunteers and review the Association financial statements, budgets, reserve balances, and reserve investments.

Exams

• S65 Uniform Investment Adviser Law Examination
  2021-02-03
• S63 Uniform Securities Agent State Law Examination
  2016-12-12

Other Names

• Karen A Kresl
• Karen A Stephens
• Karen Anne Stephens
• Karen Anne Kresl Stephens
• Karen Anne Kresl
• Karen Stephens