TT

Theodore Michael Terzian

33 Years of Experience

Firm Information

Compensation
Fee-Only (AUM)Fixed/Hourly
Number of Advisors
174 advisors
Number of Clients
8,671 clients
Average Client Portfolio
$234K average
Assets Under Management
$2.0B

Fee Structure

Minimum Investment:None
Financial Plan Fee:$300 - $75,000
Hourly Rate:$300/hr

Fees for Compass and AdvisorFX accounts are billed quarterly or monthly, either in arrears or in advance, based on the account value. The Advisor Fee is negotiable, with a maximum of 2% of assets. A Platform Fee is also charged, including a $45 annual per-account fee and an asset-based fee (0.08-0.15% for Compass, 0.20% for AdvisorFX). Financial planning fees are charged monthly ($300), hourly ($300), or as a flat fee (up to $35,000). Align Wealth Management has a fixed annual fee of $15,000-$75,000. Pontera platform cost is 25bps charged quarterly in advance.

Areas of Practice
Investment ManagementRetirement PlanningEstate PlanningTax PlanningCharitable GivingEducation PlanningFinancial Planning & CoachingInsurance PlanningHigh Net Worth
Loading...

Advisor Information

Office location

431 S. Capitol Ave, Lansing, MI, 48933

Get directions
Regulatory History (2)
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.
Employment Separation After Allegations
March 2011
Customer Dispute
February 2008
Settled
Other Business ActivitiesSells Insurance

Theodore works as an Investment Advisory Representative at BlueWater Asset Management full-time. He also sells non-variable life insurance, dedicating a few hours per week to this activity.

Employment History
Current Registrations
Silver Oak Securities, Incorporated Broker
January 2022 - Present · 4 yrs
Blue Water Asset Management
June 2015 - Present · 10 yrs 7 mos
Previous Registrations
LPL Financial LLC Broker
February 2018 - February 2022 · 4 yrs
LPL Financial LLC
February 2018 - August 2018 · 6 mos
Invest Financial Corporation
February 2012 - February 2018 · 6 yrs
Capital Asset Advisory Services, LLC
December 2011 - August 2015 · 3 yrs 8 mos
Invest Financial CorporationBroker
March 2011 - February 2018 · 6 yrs 11 mos
Primevest Financial Services, INC.Broker
July 2000 - April 2011 · 10 yrs 9 mos
Sii Investments, INC.Broker
December 1998 - July 2000 · 1 yr 7 mos
Eq Financial Consultants, INC. Broker
February 1992 - November 1998 · 6 yrs 9 mos
The Equitable Life Assurance Society of the United StatesBroker
February 1992 - November 1998 · 6 yrs 9 mos
State Registrations9 states
CACOFLILMINCNVORTN
AdvisorBrokerBoth
Exams
No exam information available for this advisor.
Theodore Michael Terzian - Financial Advisor | AdvisorDiscover