Frank C. Germano

OSAIC WEALTH

NORTH HAVEN, CT 06473

Some features on this profile are disabled

CRD#: 2175736

Professional summary

Frank Christian Germano, CFP® is a registered financial advisor currently at OSAIC WEALTH, INC. located in North Haven, Connecticut.

Frank is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1991. Frank has worked at 6 firms and has passed the Series 63, SIE, Series 7, Series 6 and Series 24 exams.

Question & Answer

What are your service offerings?

Tax Planning

Retirement Planning

Investment Planning

Insurance Planning

Long-term Care

Estate Planning

Comprehensive Financial Planni...

Social Security Planning

What is your minimum asset requirement?

250K

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1) Germano Financial, LLC 77 Hartland Street, Suite 400 East Hartford, CT 06108 INVESTMENT RELATED: YES TITLE: AGENT/OWNER DUTIES: OFFER TAX PREPARATION SERVICES AS WELL AS FIXED INSURANCE PRODUCTS, SUCH AS FIXED AND INDEXED ANNUITIES, DISABILITY, LONG-TERM CARE, AND TRADITIONAL LIFE INSURANCE. START DATE: 01/01/1991 HOURS PER MONTH: 5 HOURS PER MONTH DURING TRADING HOURS: 5 2) FRANK GERMANO/JFJ WEALTH MANAGEMENT LLC. 77 Hartland Street, Suite 400 East Hartford, CT 06108 CATEGORY: LEGAL ENTITY/LLC INVESTMENT-RELATED: NO TITLE: PARTNER/OWNER DUTIES: OWN/MANAGE LLC FOR EXPENSES START DATE: 01/2019 HOURS PER MONTH: 2 HOURS PER MONTH DURING TRADING HOURS: 2. 3) FRANK GERMANO/EUGENE W. HARRIS & CO. WEALTH MANAGEMENT LLC 250 STATE STREET STURBRIDGE COMMONS UNIT B-1 NORTH HAVEN, CT CATEGORY: INSURANCE/LLC INVESTMENT-RELATED: YES TITLE: OWNER DUTIES: OFFER LONG-TERM CARE AND TRADITIONAL LIFE INSURANCE; FIXED AND INDEXED ANNUITIES START DATE: 1/2019 HOURS PER MONTH: 25 HOURS PER MONTH DURING TRADING HOURS: 25 4)GERMANO FINANCIAL LLC 77 Hartland Street, Suite 400 East Hartford, CT 06108 CATEGORY: INSURANCE/LLC INVESTMENT RELATED: YES TITLE: OWNER/AGENT DUTIES: OWNER OF LEGAL ENTITY THROUGH WHICH INSURANCE PRODUCTS ARE OFFERED AND MARKETED. PRODUCTS INCLUDE FIXED AND INDEXED ANNUITIES, LONG-TERM CARE, AND TRADITIONAL LIFE INSURANCE. START DATE: 1/1/19 HOURS PER MONTH: 5 HOURS PER MONTH DURING TRADING HOURS: 5 5)HARRIS & CO. WEALTH MANAGEMENT 250 STATE ST. STURBRIDGE COMMONS UNIT B-1, NORTH HAVEN, CT 06473 CATEGORY: INSURANCE/LLC INVESTMENT RELATED: YES TITLE: OWNER/AGENT DUTIES: CO-OWNER OF LEGAL ENTITY THROUGH WHICH INSURANCE PRODUCTS ARE OFFERED AND MARKETED. PRODUCTS INCLUDE FIXED AND INDEXED ANNUITIES, LONG-TERM CARE, AND TRADITIONAL LIFE INSURANCE. START DATE: 1/1/19 HOURS PER MONTH: 25 HOURS PER MONTH DURING TRADING HOURS: 25

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Frank Christian Germano's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

CRS (Client Relationship Summary) - BD

Click below to view Frank Christian Germano's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 1996

Experience

Current

January 24, 2025 - Present

OSAIC WEALTH, INC.

Office #1: 250 State Street Suite B-1, North Haven, CT 06473Office #2: 77 Hartland Street Suite 400, East Hartford, CT 06108

RIA

CRD#: 23131

NORTH HAVEN, CT

Current

January 24, 2025 - Present

OSAIC WEALTH, INC.

Office #1: 250 State Street Suite B-1, North Haven, CT 06473Office #2: 77 Hartland Street Suite 400, East Hartford, CT 06108

RIA

CRD#: 23131

NORTH HAVEN, CT

Past

August 12, 2016 - January 24, 2025

OSAIC FS, INC.

RIA

CRD#: 3870

NORTH HAVEN, CT

Past

August 12, 2016 - January 24, 2025

OSAIC FS, INC.

CRD#: 3870

NORTH HAVEN, CT

Past

February 8, 2010 - August 15, 2016

INVESTORS CAPITAL CORP.

RIA

CRD#: 30613

EAST HARTFORD, CT

Past

February 8, 2010 - August 15, 2016

INVESTORS CAPITAL CORP.

CRD#: 30613

EAST HARTFORD, CT

Past

September 10, 2003 - February 11, 2010

TOWER SQUARE SECURITIES, INC.

RIA

CRD#: 833

EAST HARTFORD, CT

Past

September 10, 2003 - February 11, 2010

TOWER SQUARE SECURITIES, INC.

CRD#: 833

EAST HARTFORD, CT

Past

October 11, 1994 - October 21, 2003

VERAVEST INVESTMENT ADVISORS, INC.

RIA

CRD#: 105796

GLASTONBURY, CT

Past

October 31, 1991 - September 24, 2003

VERAVEST INVESTMENTS, INC.

CRD#: 3960

WORCESTER, MA

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

OSAIC WEALTH, INC.

CRD#: 23131 / SEC#: 801-54859, 8-40218

RIA

Registered Investment Advisory firm - SEC (9/10/1997 Approved)

Broker-Dealer Firm Regulated by FINRA (Denver district office)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

California
(1/24/2025)

Connecticut
(1/24/2025)

IAR

Connecticut
(1/24/2025)

Florida
(1/24/2025)

IAR

Florida
(4/18/2025)

Georgia
(1/24/2025)

Maine
(1/24/2025)

Maryland
(1/24/2025)

Massachusetts
(1/24/2025)

Nevada
(1/24/2025)

New Hampshire
(1/24/2025)

New York
(1/24/2025)

North Carolina
(1/24/2025)

Ohio
(1/24/2025)

Pennsylvania
(1/24/2025)

Rhode Island
(1/24/2025)

South Carolina
(1/24/2025)

Tennessee
(1/24/2025)

Texas
(1/24/2025)

IAR

Texas
(1/24/2025)

Vermont
(1/24/2025)

Virginia
(1/24/2025)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

Series 63

Date: 7/6/1994

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 8/29/1994

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 10/30/1991

Investment Company Products/Variable Contracts Representative Examination

Principal/Supervisory Exam

Series 24

Date: 1/28/2019

General Securities Principal Examination

SRO Registrations

FINRA

Current Firm

OSAIC WEALTH, INC.

CRD#: 23131 / SEC#: 801-54859, 8-40218

RIA

Registered Investment Advisory firm - SEC (9/10/1997 Approved)

Broker-Dealer Firm Regulated by FINRA (Denver district office)

Upgrade to AdvisorCheck Premium

Get A Biweekly Pulse, AutomaticallyReceive biweekly alerts automatically. Stay informed and proactive.

Catch Firm-Level Red Flags SoonerCatch leadership changes and disclosures early, before issues escalate.

See Trends. Not Just SnapshotsMonitor firm stability metrics like AUM and advisor ratios over time.

Contact information

Main Address

18700 N. Hayden Road Suite 255, Scottsdale, AZ 85255

Mailing Address

18700 N. Hayden Road Suite 255, Scottsdale, AZ 85255

Phone number

(800) 821-5100

Established

Delaware since 08/05/1988

Firm type

Corporation

Fiscal year end

December

Firm Size

Large

# of Employees

8,717

SEC notice filing (53 States and Territories)

FINRA licenses (53 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Customer Relationship Summary (CRS / FINRA)

Latest Form ADV

Part 2 Brochures

OSAIC WEALTH, INC ADV PART 2A (10/20/2025)

SIGNATOR MANAGED ACCOUNT PLATFORM (3/31/2025)

Direct owners and executive officers

Name	Position	CRD#
OSAIC, INC.	SHAREHOLDER
CORNICK, GREGORY ALLEN	CEO, PRESIDENT, DIRECTOR	3132991
FORD, ERINN JUNE	DIRECTOR	2176816
MIHAL, SHAWN MICHAEL	SVP, CHIEF COMPLIANCE OFFICER	3262384
MITCHELL, CHRISTOPHER MILLS	CORPORATE TREASURER, FINANCIAL PRINCIPAL	2420144
PRICE, JAMES DALE	CHAIRMAN	1243224
SCHLUETER, MATTHEW ADAM	EVP, OPERATIONS AND TECHNOLOGY SOLUTIONS, DIRECTOR	2627931

Regulatory assets under management

Total Number of Accounts	797,559
AUM (Assets Under Management)	$ 200,266,275,275

Disclosures

Regulatory Event	50
Arbitration	31
Bond	7

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
11/14/2025	Cover Page	Report
12/18/2024	Cover Page	Report
01/26/2024	Cover Page	Report

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

Contact information

(xxx) xxx-xxxx

xxxxx@xxxx.xxx

Similar Advisors

Jeffrey Meotti

MORGAN STANLEY

IAR

MADISON, CT

We're Here To Help

Advisor Monitoring

Firm Stability Insights

Frank C. Germano

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Frank Christian Germano's CRS (Customer Relationship Summary).

CRS (Client Relationship Summary) - BD

Click below to view Frank Christian Germano's CRS (Customer Relationship Summary).

Certified licenses

Experience

OSAIC WEALTH, INC.

OSAIC FS, INC.

OSAIC FS, INC.

INVESTORS CAPITAL CORP.

INVESTORS CAPITAL CORP.

TOWER SQUARE SECURITIES, INC.

TOWER SQUARE SECURITIES, INC.

VERAVEST INVESTMENT ADVISORS, INC.

VERAVEST INVESTMENTS, INC.

Primary Firm SEC Registration

OSAIC WEALTH, INC.

State Registrations and Notice Filings

Exams

Series 63

Date: 7/6/1994

SIE

Date: 10/1/2018

Series 7

Date: 8/29/1994

Series 6

Date: 10/30/1991

Series 24

Date: 1/28/2019

FINRA

Current Firm

OSAIC WEALTH, INC.

Contact information

SEC notice filing (53 States and Territories)

FINRA licenses (53 States and Territories)

Documents

Part 2 Brochures

Direct owners and executive officers

Regulatory assets under management

Disclosures

Accountant surprise examination report

Red Flags

Company Information

OSAIC WEALTH, INC.

TRUST BUT VERIFY

Contact information

Similar Advisors