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RIA / WealthAdvisor22 years in industry

CHERYL LYNN MCCARTHY

Advisor at GRADIENT INVESTMENTS, LLC

New Port Richey, FL | NEW PORT RICHEY, FL | ARDEN HILLS, MN

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Search this name across graphsid dfx:ria:0407b65c-c3a0-73f6-ac11-4f726a0887d2

Data as of Sep 15, 2026 (this record's last observation) from federal regulator filings. Page built Sep 21, 2026, 10:19 AM UTC and rebuilt at most every 15 minutes.

Relationships: 5
Dated events: 0
On other graphs: 0
Observed: May 1, 2006 to Sep 15, 2026

Across DFX

This entity has not been resolved onto another DFX graph by a shared identifier. A name match elsewhere would be a candidate, never an identity, and none is recorded.

Facts

fact = as filed or announced; derived = computed by DFX; estimate = a band, never a point

Current firm: GRADIENT INVESTMENTS, LLC
Current firm class: independent wealth managerderived
Book size: not publicno per-advisor AUM is published by the SEC, FINRA or IAPD, and DFX estimates none
Industry start: Aug 24, 2004earliest registration or exam on IAPD
Years in industry: 22derivedfrom the industry start date
Years at current firm: 1derivedfrom the current registration's begin date
Prior firms: 3
Current registrations: 2
Registered states: 4
Exams: S65|S63
First exam: Aug 24, 2004
First registration: May 1, 2006
Dual registered: no
Other names: CHERYL LYNN WARNER|Cheryl Warner|Cheryl McCarthy|Cheryl L McCarthy
IAPD individual key: 2618389

Registration history

registration spans on IAPD; the basis says whether the span is a current registration or a prior employment record

Firm	Class	Began	Ended	Current	Branch	Basis
GRADIENT INVESTMENTS, LLC	Independent wealth	Oct 22, 2024	n/a	yes	New Port Richey, FL\|ARDEN HILLS, MN	Current employment
COMMONCENTS WEALTH ADVISORS, LLC	State registered	Oct 15, 2024	n/a	yes	NEW PORT RICHEY, FL	Current employment
SSN ADVISORY, INC.	Former SEC adviser	Mar 8, 2011	Aug 6, 2013	no	TRINITY, FL	Previous registration
ASSET & FINANCIAL PLANNING, LTD	Former SEC adviser	Jan 18, 2007	Jan 28, 2011	no	TAMPA, FL\|TAMPA, FL\|TRINITY, FL\|PORT RICHEY, FL	Previous registration
VOYA FINANCIAL ADVISORS, INC.	Bd affiliated wealth	May 1, 2006	Feb 14, 2007	no	HOLIDAY, FL	Previous registration

Moves

a move is two registration dates; a bulk corporate re-registration is typed BULK_TRANSFER and is not a move

From	To	Left	Joined	Gap, days	Kind	Move type
SSN ADVISORY, INC.	COMMONCENTS WEALTH ADVISORS, LLC	Aug 6, 2013	Oct 15, 2024	4,088	Firm change after gap	Other
ASSET & FINANCIAL PLANNING, LTD	SSN ADVISORY, INC.	Jan 28, 2011	Mar 8, 2011	39	Firm change	Other
VOYA FINANCIAL ADVISORS, INC.	ASSET & FINANCIAL PLANNING, LTD	Feb 14, 2007	Jan 18, 2007	-27	Firm change	Other

Relationships

Registered with (5)

→ GRADIENT INVESTMENTS, LLCRegistered adviserregistration: current employment
Oct 22, 2024 to presentfactForm ADV
→ COMMONCENTS WEALTH ADVISORS, LLCRegistered adviserregistration: current employment
Oct 15, 2024 to presentfactForm ADV
→ SSN ADVISORY, INC.Registered adviserregistration: previous registration
Mar 8, 2011 to Aug 6, 2013factForm ADV
→ ASSET & FINANCIAL PLANNING, LTDRegistered adviserregistration: previous registration
Jan 18, 2007 to Jan 28, 2011factForm ADV
→ VOYA FINANCIAL ADVISORS, INC.Registered adviserregistration: previous registration
May 1, 2006 to Feb 14, 2007factForm ADV

Dated events

No dated event names this entity yet.