Elmer Michael Heard

Employer firm

Tiaa-Cref Individual & Institutional Services, LLC CRD 20472

$37.9B regulatory AUM 35,647 advisory clients

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• 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

• 09/2017 → 07/2018
  Td Ameritrade
  St Louis, MO
• 07/2017 → 09/2017
  Unemployed
  St Louis, MO
• 02/2017 → 06/2017
  Federal Aviation Administration
  Oklahoma City, OK
• 08/2016 → 11/2016
  State Farm Bank
  St Louis, MO
• 07/2018 → 02/2021
  Wells Fargo Clearing Services Llc
  Charlotte, NC
• 06/2022 → 01/2023
  Edward Jones
  St Louis, MO
• 02/2021 → 05/2022
  Family First Life
  St Louis, MO
• 06/2021 → 03/2022
  Better Mortgage
  Charlotte, NC
• 01/2023 → 05/2025
  Raymond James & Associates, Inc.
  Florissant, MO
• 05/2025 → Present
  Tiaa-Cref Individual & Institutional Services, Llc
  Frisco, TX
• 05/2025 → Present
  Tiaa
  Frisco, TX

Previous Registrations

• 2023-03-30 → 2025-05-16
  Raymond James & Associates, Inc.
  Aubrey, TX
  St. Petersburg, FL
• 2022-10-05 → 2023-01-24
  Edward Jones
  St Louis, MO
  St Louis, MO
  St Louis, MO
• 2018-08-07 → 2021-02-17
  Wells Fargo Clearing Services, Llc
  Charlotte, NC
  Charlotte, NC

Exams

• S66 Uniform Combined State Law Examination
  2022-10-03
• S63 Uniform Securities Agent State Law Examination
  2017-11-29

Other Names

• Mike Heard
• Michael Heard