Charlotte, NC Office
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Principal Financial Services
Enterprise
Firm-wide stats for Principal Financial Services
About
Principal Securities provides brokerage and registered investment advisory services to a broad client base that includes individual investors (both non‑HNW and high net worth), qualified and nonqualified retirement plans, trusts, estates, charitable organizations, corporations and other business entities, and active‑duty U.S. military personnel residing or stationed outside the United States. Its advisory offering focuses on direct advisory programs, financial planning, retirement plan consulting, and access to third‑party money manager (TPMM) asset allocation and separately managed account solutions.
The firm makes TPMM programs available under two distinct arrangements: an investment adviser arrangement, where Principal may act as adviser or co‑advisor, and a promoter arrangement, where Financial Advisors refer clients to unaffiliated TPMMs and assist clients in selecting models and completing account setup and reviews. Investment implementation is generally carried out on a discretionary basis by the TPMMs; Principal evaluates TPMMs’ structure, costs and performance and provides ongoing client reviews through its Financial Advisors.
Distinctive features include a range of promoter and referral arrangements—Principal receives promoter payments from TPMMs, engages with third‑party lead‑generation firms, and provides business support to Financial Advisors tied to production targets—conflicts the firm discloses and subjects to supervisory controls. The firm’s regulatory history is also notable: it settled an SEC matter related to mutual fund share‑class selection and remedial payments, and it has disclosed that certain advisory arrangements (for example, some SEI and AssetMark investment adviser arrangements) are no longer offered to new accounts.
Based on Principal Financial Services
Location
Charlotte NC
Advisors at this office
3
Advisors at this office
Richard C
Series 66
Charlotte, NC
Principal Financial Services
Richard Custer is a financial advisor with Principal Financial Services in Charlotte, NC. He holds a Series 66 designation and has 19 years of industry experience, including 20 years with Principal Life Insurance Company. In addition to his advisory role, he serves as a bank/trust officer to support and manage Principal retirement plan account relationships across the firm’s insurance, broker-dealer, and bank/trust offerings. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, and business entities. The firm’s advisory services include financial planning, retirement plan consulting, and access to third-party money manager programs through both adviser and promoter arrangements.
Christian S
Series 63, Series 66
Charlotte, NC
Principal Financial Services
Christian Serock is a financial advisor at Principal Financial Services with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Principal Financial Services since 2016. He also serves as a bank officer at Principal Bank and Principal Trust Company to support retirement plan account relationships. Additionally, he works seasonally at Williams-Sonoma in a customer service role. Principal Securities provides brokerage and registered investment advisory services to individual investors, retirement plans, trusts, estates, and various business entities. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs through both adviser and promoter arrangements.
Kevin P
CFP®, Series 63, Series 65
Charlotte, NC
Principal Financial Services
Kevin Phinney is a CFP® professional with 12 years of industry experience, currently serving with Principal Financial Services. His prior roles include positions at Fulcrum Capital Partners and Foresters Financial Services. He is active as the president of a local BNI chapter, where he oversees meetings and the executive team. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm emphasizes financial planning and access to third-party money manager asset allocation and separately managed account solutions through advisory and promoter arrangements.
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