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Michael Cernek

Cambridge Investment Research Advisors, INC.
14 Years of Experience
West Chester, PA
1 DisclosureBroker
View SEC Summary
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Michael Cernek is a registered investment advisor at Cambridge Investment Research Advisors, INC., based in West Chester, PA, with 14 years of industry experience. Michael is also registered as a broker, so some compensation may come from commissions on products sold. Their practice areas include Divorce Planning, Education Planning, Estate Planning, Financial Planning & Coaching, and 6 more. Their firm serves 361,213 clients with $140B in assets under management.

Cambridge Investment Research Advisors, INC.
Compensation
Commission-BasedFee-Only (% of Portfolio)Fixed/Hourly
Firm Size
3940 advisors
Number of Clients
361,213 clients
Average Client Portfolio
$384K average
Assets Under Management
$138.7B

Fee Structure

Minimum Investment:$25K
Planning is included in investment management (also available separately)
Portfolio-Based Fees (Flat)
Portfolio ValueAnnual Fee
Any2.25%

Maximum allowable advisory fee is 2.25% annually across platforms. Actual fees are negotiable and set by your financial professional based on account size, complexity, and specific program selected.

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

Location

1595 Paoli Pike, Suite 200, West Chester, PA, 19380

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History

Regulatory History (1)
What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.
Customer Dispute
April 2016
Denied
View Full SEC ReportHow to Read Disclosures
Other Business Activities

Michael works as an Investment Advisor Representative (IAR) for East Coast Advisory, spending full-time hours trading. He also works as an advisory representative of a Registered Investment Advisor (RIA) at CIRA, dedicating nearly full-time hours to trading.

Employment History
Current Registrations
Cambridge Investment Research Advisors, INC.
May 2025 - Present · 1 yr 5 mos
Cambridge Investment Research, INC.Broker
May 2025 - Present · 1 yr 5 mos
Previous Registrations
Osaic Wealth, INC.Broker
August 2024 - May 2025 · 9 mos
Osaic Advisory Services, LLC
January 2021 - May 2025 · 4 yrs 4 mos
Triad Advisors LLCBroker
January 2021 - August 2024 · 3 yrs 7 mos
Commonwealth Financial Network
October 2019 - January 2021 · 1 yr 3 mos
Commonwealth Financial NetworkBroker
October 2019 - January 2021 · 1 yr 3 mos
Securian Financial Services, INC.
January 2017 - October 2019 · 2 yrs 9 mos
Securian Financial Services, INC.Broker
October 2016 - October 2019 · 3 yrs
Equity Services, INC.Broker
June 2011 - December 2014 · 3 yrs 6 mos
Nylife Securities LLCBroker
March 2010 - June 2011 · 1 yr 3 mos
State Registrations8 states
AZDELAMDNJPAVAWV
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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