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CFP
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CFP

Ruben Smith

LPL Financial LLC
22 Years of Experience
San Clemente, CA
BrokerSells Insurance
View SEC Summary
View SEC Summary

Ruben Smith is a CFP-designated registered investment advisor at LPL Financial LLC, based in San Clemente, CA, with 22 years of industry experience. Ruben is also registered as a broker, so some compensation may come from commissions on products sold. Their practice areas include Investment Management, Retirement Planning. Their firm serves 1,986,990 clients with $820B in assets under management.

LPL Financial LLC
Compensation
Fee-Only (% of Portfolio)Fixed/Hourly
Firm Size
28221 advisors
Number of Clients
1,986,990 clients
Average Client Portfolio
$412K average
Assets Under Management
$819.1B

Fee Structure

Minimum Investment:$1K
Investment management only (planning not offered)
Portfolio-Based Fees (Flat)
Portfolio ValueAnnual Fee
Any2.50%

The maximum account fee is 2.50% and is negotiable between the client and the advisor. Fees are based on total assets in the account and payable quarterly in advance.

Fee Estimator
Your Portfolio Value
$500K
$0$500K$1M$5M$20M
Estimated Annual Fee
—
View Full SEC Brochure

Location

2753 Camino Capistrano, Suite A201, San Clemente, CA, 92672

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History

Regulatory History
Clean regulatory record

No disclosures, customer disputes, or regulatory actions on file.

Disclosures include customer complaints, regulatory actions, and other events that advisors must report to the SEC. A clean record means none have been reported.

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Other Business ActivitiesSells Insurance

Ruben operates Harbor Rock Wealth Management LLC as a DBA for his LPL business and owns Parker, LLC, a rental property. He is also a writing agent for non-variable insurance through Harbor Rock Insurance Services and Pelorus Financial Group, dedicating minimal time to these insurance activities.

Employment History
Current Registrations
LPL Financial LLCBroker
May 2022 - Present · 4 yrs 5 mos
LPL Financial LLC
May 2022 - Present · 4 yrs 5 mos
Previous Registrations
J.P. Morgan Securities LLCBroker
September 2014 - May 2022 · 7 yrs 8 mos
J.P. Morgan Securities LLC
September 2014 - May 2022 · 7 yrs 8 mos
Lincoln Financial Advisors Corporation
March 2004 - September 2014 · 10 yrs 6 mos
Lincoln Financial Advisors CorporationBroker
December 2003 - September 2014 · 10 yrs 9 mos
The Lincoln National Life Insurance CompanyBroker
December 2003 - March 2006 · 2 yrs 3 mos
State Registrations19 states
AZCACOFLGAHIIDILINMANJNMNVNYORTXUTVAWA
AdvisorBrokerBoth

You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.

Exams
No exam information available for this advisor.
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