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RIA / WealthAdvisorCertified Financial Plannerdual registered (broker-dealer)31 years in industry

HOWARD CLINTON YOUNG

Advisor at ST. BERNARD FINANCIAL SERVICES, INC.

RUSSELLVILLE, AR | Carmel, IN

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Data as of Sep 15, 2026 (this record's last observation) from federal regulator filings. Page built Sep 20, 2026, 11:14 AM UTC and rebuilt at most every 15 minutes.

Relationships: 6
Dated events: 1
On other graphs: 0
Observed: Nov 6, 2001 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: ST. BERNARD FINANCIAL SERVICES, 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: Feb 1, 1995earliest registration or exam on IAPD
Years in industry: 31derivedfrom the industry start date
Years at current firm: 1derivedfrom the current registration's begin date
Prior firms: 5
Current registrations: 1
Registered states: 1
Designations: Certified Financial Planner
Exams: S65|S63
First exam: Feb 1, 1995
First registration: Nov 6, 2001
Dual registered: yes, broker-dealer
IAPD individual key: 2582064

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
ST. BERNARD FINANCIAL SERVICES, INC.	Bd affiliated wealth	Aug 18, 2025	n/a	yes	Carmel, IN\|RUSSELLVILLE, AR\|RUSSELLVILLE, AR	Current employment
OSAIC WEALTH, INC.	Bd affiliated wealth	Sep 1, 2023	Aug 21, 2025	no	INDIANAPOLIS, IN	Previous registration
SAGEPOINT FINANCIAL, INC.	Former SEC adviser	Sep 20, 2016	Sep 1, 2023	no	CARMEL, IN\|INDIANAPOLIS, IN\|CARMEL, IN\|INDIANAPOLIS, IN\|INDIANAPOLIS, IN	Previous registration
CETERA INVESTMENT ADVISERS LLC	Bd affiliated wealth	Apr 1, 2011	Sep 23, 2016	no	CARMEL, IN	Previous registration
QA3 FINANCIAL LLC	n/a	May 25, 2004	Feb 11, 2011	no	OMAHA, NE\|CARMEL, IN	Previous registration
RAYMOND JAMES FINANCIAL SERVICES, INC.	n/a	Nov 6, 2001	Apr 26, 2004	no	INDIANAPOLIS, IN	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
OSAIC WEALTH, INC.	ST. BERNARD FINANCIAL SERVICES, INC.	Aug 21, 2025	Aug 18, 2025	-3	Firm change	Ibd to ibd
SAGEPOINT FINANCIAL, INC.	OSAIC WEALTH, INC.	Sep 1, 2023	Sep 1, 2023	0	Bulk transfer	Ibd to ibd
CETERA INVESTMENT ADVISERS LLC	SAGEPOINT FINANCIAL, INC.	Sep 23, 2016	Sep 20, 2016	-3	Firm change	Other
QA3 FINANCIAL LLC	CETERA INVESTMENT ADVISERS LLC	Feb 11, 2011	Apr 1, 2011	49	Firm change	Other
RAYMOND JAMES FINANCIAL SERVICES, INC.	QA3 FINANCIAL LLC	Apr 26, 2004	May 25, 2004	29	Firm change	Other

Relationships

Registered with (6)

→ ST. BERNARD FINANCIAL SERVICES, INC.Registered adviserregistration: current employment
Aug 18, 2025 to presentfactForm ADV
→ OSAIC WEALTH, INC.Registered adviserregistration: previous registration
Sep 1, 2023 to Aug 21, 2025factForm ADV
→ SAGEPOINT FINANCIAL, INC.Registered adviserregistration: previous registration
Sep 20, 2016 to Sep 1, 2023factForm ADV
→ CETERA INVESTMENT ADVISERS LLCRegistered adviserregistration: previous registration
Apr 1, 2011 to Sep 23, 2016factForm ADV
→ QA3 FINANCIAL LLCRegistered adviserregistration: previous registration
May 25, 2004 to Feb 11, 2011factForm ADV
→ RAYMOND JAMES FINANCIAL SERVICES, INC.Registered adviserregistration: previous registration
Nov 6, 2001 to Apr 26, 2004factForm ADV

Dated events

Occurred
Aug 21, 2025
Advisor changed firm
Howard Clinton Young left Osaic Wealth, Inc. for St. Bernard Financial Services, Inc. (registered 2025-08-18)
Form ADVobserved 5 days ago