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RIA / WealthAdvisorCertified Financial Plannerdual registered (broker-dealer)26 years in industry

RICHARD MICHAEL WATERS

Advisor at OSAIC INSTITUTIONS, INC.

Zephyrhills, FL | Plant City, FL

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Search this name across graphsid dfx:ria:874b0c38-5d3d-0f56-d6d2-84d962bb0fd1

Data as of Sep 15, 2026 (this record's last observation) from federal regulator filings. Page built Sep 20, 2026, 11:26 PM UTC and rebuilt at most every 15 minutes.

Relationships: 7
Dated events: 0
On other graphs: 0
Observed: Jan 10, 2000 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: OSAIC INSTITUTIONS, INC.
Current firm class: broker-dealer affiliated wealth managerderived
Book size: not publicno per-advisor AUM is published by the SEC, FINRA or IAPD, and DFX estimates none
Industry start: Jan 10, 2000earliest registration or exam on IAPD
Years in industry: 26derivedfrom the industry start date
Years at current firm: 6derivedfrom the current registration's begin date
Prior firms: 6
Current registrations: 1
Registered states: 1
Designations: Certified Financial Planner
Exams: S63|S66
First exam: Apr 4, 2000
First registration: Jan 10, 2000
Dual registered: yes, broker-dealer
IAPD individual key: 2421557

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
OSAIC INSTITUTIONS, INC.	Bd affiliated wealth	Aug 13, 2020	n/a	yes	Plant City, FL\|Zephyrhills, FL	Current employment
AMERIPRISE FINANCIAL SERVICES, LLC	National bd RIA	Oct 17, 2018	Aug 5, 2020	no	Dade City, FL	Previous registration
OSAIC INSTITUTIONS, INC.	Bd affiliated wealth	Feb 28, 2014	Oct 17, 2018	no	DADE CITY, FL\|Chapel Hill, NC\|WINTER HAVEN, FL	Previous registration
LPL FINANCIAL LLC	Bd affiliated wealth	Feb 5, 2008	Mar 12, 2014	no	ST. CLOUD, FL\|PLANT CITY, FL\|SPRING HILL, FL\|WINTER HAVEN, FL\|ZEPHYRHILLS, FL\|KISSIMMEE, FL\|DADE CITY, FL\|SAN DIEGO, CA\|DADE CITY, FL\|LAKELAND, FL	Previous registration
OSAIC INSTITUTIONS, INC.	Bd affiliated wealth	Dec 2, 2004	Jan 29, 2008	no	ZEPHYRHILLS, FL\|WINTER HAVEN, FL\|KISSIMMEE, FL	Previous registration
MONEY CONCEPTS ADVISORY SERVICE	Bd affiliated wealth	May 14, 2004	Dec 1, 2004	no	ZEPHYRHILLS, FL	Previous registration
SUNTRUST INVESTMENT SERVICES, INC.	Former SEC adviser	Jan 10, 2000	Apr 30, 2004	no	ZEPHYRHILLS, 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
AMERIPRISE FINANCIAL SERVICES, LLC	OSAIC INSTITUTIONS, INC.	Aug 5, 2020	Aug 13, 2020	8	Firm change	Ibd to ibd
OSAIC INSTITUTIONS, INC.	AMERIPRISE FINANCIAL SERVICES, LLC	Oct 17, 2018	Oct 17, 2018	0	Firm change	Ibd to ibd
LPL FINANCIAL LLC	OSAIC INSTITUTIONS, INC.	Mar 12, 2014	Feb 28, 2014	-12	Firm change	Other
OSAIC INSTITUTIONS, INC.	LPL FINANCIAL LLC	Jan 29, 2008	Feb 5, 2008	7	Firm change	Other
MONEY CONCEPTS ADVISORY SERVICE	OSAIC INSTITUTIONS, INC.	Dec 1, 2004	Dec 2, 2004	1	Firm change	Other
SUNTRUST INVESTMENT SERVICES, INC.	MONEY CONCEPTS ADVISORY SERVICE	Apr 30, 2004	May 14, 2004	14	Firm change	Other

Relationships

Registered with (5)

→ OSAIC INSTITUTIONS, INC.Registered adviserregistration: previous registration
Feb 28, 2014 to Oct 17, 2018factForm ADV
→ AMERIPRISE FINANCIAL SERVICES, LLCRegistered adviserregistration: previous registration
Oct 17, 2018 to Aug 5, 2020factForm ADV
→ LPL FINANCIAL LLCRegistered adviserregistration: previous registration
Feb 5, 2008 to Mar 12, 2014factForm ADV
→ MONEY CONCEPTS ADVISORY SERVICERegistered adviserregistration: previous registration
May 14, 2004 to Dec 1, 2004factForm ADV
→ SUNTRUST INVESTMENT SERVICES, INC.Registered adviserregistration: previous registration
Jan 10, 2000 to Apr 30, 2004factForm ADV

Dated events

No dated event names this entity yet.