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RIA / WealthAdvisorCertified Financial Plannerdual registered (broker-dealer)33 years in industry

MICHAEL BRATSZTEIN

Advisor at SCHWAB WEALTH ADVISORY, INC.

Riverview, FL

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Data as of Sep 14, 2026 (this record's last observation) from federal regulator filings. Page built Sep 21, 2026, 7:59 AM UTC and rebuilt at most every 15 minutes.

Relationships: 6
Dated events: 0
On other graphs: 0
Observed: Aug 29, 2007 to Sep 14, 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: SCHWAB WEALTH ADVISORY, INC.
Current firm class: no raum reportedderived
Book size: not publicno per-advisor AUM is published by the SEC, FINRA or IAPD, and DFX estimates none
Industry start: Jul 2, 1993earliest registration or exam on IAPD
Years in industry: 33derivedfrom the industry start date
Years at current firm: 5derivedfrom the current registration's begin date
Prior firms: 5
Current registrations: 1
Registered states: 2
Designations: Certified Financial Planner
Exams: S63|S66|S65
First exam: Jul 2, 1993
First registration: Aug 29, 2007
Dual registered: yes, broker-dealer
Other names: MICHAEL BRATSZTEIN|MICHAEL (NONE) BRATSZTEIN|MICHAEL NONE BRATSZTEIN
IAPD individual key: 2354532

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
SCHWAB WEALTH ADVISORY, INC.	No RAUM reported	Jan 27, 2021	n/a	yes	Riverview, FL	Current employment
USAA INVESTMENT SERVICES COMPANY	No RAUM reported	Jan 8, 2018	May 24, 2020	no	SAN ANTONIO, TX	Previous registration
USAA FINANCIAL PLANNING SERVICES	Former SEC adviser	Jan 4, 2010	Jan 8, 2018	no	TAMPA, FL\|Tampa, FL	Previous registration
SUNTRUST INVESTMENT SERVICES, INC.	Former SEC adviser	Apr 30, 2008	Nov 11, 2009	no	ORLANDO, FL\|DAVENPORT, FL\|CLERMONT, FL\|HAINES CITY, FL\|LAKELAND, FL\|WINTER HAVEN, FL\|LAKELAND, FL	Previous registration
MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED	Wirehouse	Oct 1, 2007	Jan 9, 2008	no	JACKSONVILLE, FL	Previous registration
CHARLES SCHWAB & CO., INC.	National bd RIA	Aug 29, 2007	Sep 4, 2007	no	ORLANDO, FL\|MAITLAND, 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
USAA INVESTMENT SERVICES COMPANY	SCHWAB WEALTH ADVISORY, INC.	May 24, 2020	Jan 27, 2021	248	Firm change	Other
USAA FINANCIAL PLANNING SERVICES	USAA INVESTMENT SERVICES COMPANY	Jan 8, 2018	Jan 8, 2018	0	Bulk transfer	Other
SUNTRUST INVESTMENT SERVICES, INC.	USAA FINANCIAL PLANNING SERVICES	Nov 11, 2009	Jan 4, 2010	54	Firm change	Other
MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED	SUNTRUST INVESTMENT SERVICES, INC.	Jan 9, 2008	Apr 30, 2008	112	Firm change	Other
CHARLES SCHWAB & CO., INC.	MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED	Sep 4, 2007	Oct 1, 2007	27	Firm change	Ibd to wirehouse

Team moves

moves this advisor made together with colleagues (two or more registrations ending and beginning together)

Team	Left	Joined	From	Kind
5475:159035:TX:2020-05-24	May 24, 2020	Jan 27, 2021	SAN ANTONIO, TX	Firm change

Relationships

Registered with (6)

→ SCHWAB WEALTH ADVISORY, INC.Registered adviserregistration: current employment
Jan 27, 2021 to presentfactForm ADV
→ USAA INVESTMENT SERVICES COMPANYRegistered adviserregistration: previous registration
Jan 8, 2018 to May 24, 2020factForm ADV
→ USAA FINANCIAL PLANNING SERVICESRegistered adviserregistration: previous registration
Jan 4, 2010 to Jan 8, 2018factForm ADV
→ SUNTRUST INVESTMENT SERVICES, INC.Registered adviserregistration: previous registration
Apr 30, 2008 to Nov 11, 2009factForm ADV
→ MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATEDRegistered adviserregistration: previous registration
Oct 1, 2007 to Jan 9, 2008factForm ADV
→ CHARLES SCHWAB & CO., INC.Registered adviserregistration: previous registration
Aug 29, 2007 to Sep 4, 2007factForm ADV

Dated events

No dated event names this entity yet.