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Cheryl Ann Kunstle

Advisor at Cetera — Sturgis, SD

Updated today

Credentials

CFA®, Series 63

Experience

25 years

Location

Sturgis, SD

Cetera logo

Cetera

Institution

Total advisors

10,217

Across 5,122 offices

Clients per advisor

78 Low

Avg AUM per client

$306,089 Low

HNW client ratio

10% Low

About

Cheryl Kunstle is a CFA® charterholder with 25 years of industry experience, currently serving as a financial advisor at Cetera. She has held roles at Cetera Wealth Services, Tartan Financial Services, LLC, and has been involved in financial services consulting since 2011. Outside of advising, she owns and operates businesses in accounting and tax preparation as well as business consulting focused on office efficiencies and technology. Cetera Investment Advisers LLC is an SEC-registered adviser with a nationwide network of over 10,000 independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform featuring affiliated and third-party managers and a variety of program structures.

Client services

Based on Cetera

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Based on Cetera

Wealth management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Business exit / sale strategy

Occupation focus

Based on Cetera

Founder/Business Owner Executive

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Fee options

Fixed

Flat fees may be charged for financial planning and consulting services as negotiated with advisor.

Percentage

$0 - $250,000: up to 2.90% $250,001 - $500,000: up to 2.90% $500,001 - $1,000,000: up to 2.70% $1,000,001 - $2,000,000: up to 2.00% $2,000,001+: up to 1.50%

Commissions

Advisors may be registered representatives and licensed insurance agents earning commissions on securities and insurance products.

Project-based

Consulting and financial planning services may be charged on an hourly rate basis, ranges not specifically stated.

Other

Account minimum: $5,000 Fee-only: Flat fees for financial planning and consulting services; hourly fees for financial planning and consulting according to client agreement; fees negotiated with advisor.

Location

See office

Sturgis, SD

Sturgis SD

Advisors at this office

1

Most active in

Illinois · South Dakota · Texas

Work history

25 years of industry experience

Cetera

2023 - Present • 3 years

Schaumburg, IL

Tartan Financial Services, LLC

2018 - Present • 8 years

Crystal Lake, IL

Cetera Wealth Services, LLC

2017 - Present • 9 years

El Segundo, CA

Financial Services Consulting

2011 - Present • 15 years

Redondo Beach, CA

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

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Aaron H

Series 65

Piedmont, SD

RIA Advisory Group, LLC

Aaron Hanson is a financial advisor at RIA Advisory Group, LLC with one year of industry experience. He holds a Series 65 credential and has prior work experience at Brighter Electric and Rapid Spa. RIA Advisory Group, LLC is a multi-team registered investment adviser serving individuals, trusts, estates, corporations, and other entities. The firm manages a diversified portfolio including equities, fixed income, mutual funds, ETFs, REITs, insurance products, and private placements, typically on a discretionary basis using a combination of charting, fundamental, and technical analysis.

Annuities
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Christopher H

Series 63, Series 65

Piedmont, SD

RIA Advisory Group, LLC

Christopher Hanson is a financial advisor with RIA Advisory Group, LLC, holding Series 63 and Series 65 licenses and 28 years of industry experience. His prior roles include positions at VisionPoint Advisory Group, LPL Financial, and Principal Financial Group. Outside of advising, he operates a small ranch in Piedmont, South Dakota. RIA Advisory Group, LLC is a multi-team registered investment adviser serving individuals, trusts, estates, corporations, and other entities. The firm employs a mix of equities, fixed income, mutual funds, ETFs, REITs, insurance products, and private placements, managing accounts primarily on a discretionary basis using both fundamental and technical analysis.

Annuities

Chelsea M

Series 66

Sturgis, SD

Edward Jones

Chelsea Maier is a financial advisor at Edward Jones with two years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2023. Her prior experience includes roles at the State of South Dakota, Coca-Cola Bottling Company High Country, Nutrien Ag Solutions, and Crop Production Services. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary strategies, tax-efficient services, and affiliated mutual funds, supported by a large national network of financial advisors and branch offices.

Wealth management Tax-loss harvesting Multi-generational wealth transfer Retired Founder/Business Owner Executive
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Robert G

Series 63, Series 66

Sturgis, SD

Edward Jones

Robert Gordon is a financial advisor with Edward Jones in Sturgis, SD, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has been with Edward Jones since 2002. Outside of advising, he is involved in ranching and farming businesses, including ownership and part ownership roles in cattle and goat breeding operations near Whitewood, SD. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies. The firm manages over $1 trillion in assets and supports its services with a large national network of financial advisors and branch offices.

Wealth management Tax-loss harvesting Multi-generational wealth transfer Retired Founder/Business Owner Executive
user avatar

Kathryn W

Series 63, Series 65

Whitewood, SD

OSAIC

Kathryn Wilson is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 29 years of industry experience. She has worked at OSAIC since 2024, with prior roles at Securities America Advisors, Arbor Point Advisors, and KMS Financial Services. In addition to advising, she sells term and hybrid life insurance policies with long-term care riders for estate planning purposes. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and managed account solutions. The firm uses asset-allocation tools and risk-tolerance analyses to construct portfolios that include stocks, bonds, mutual funds, ETFs, and alternatives, with both discretionary and non-discretionary management options.

Annuities Wealth management Tax-loss harvesting Private / alternative investments Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
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