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David Ian Wharram

Creating financial options through education and empowerment

LPL Financial LLC

Santa Fe


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Advisor Services

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Funds Used With Clients

Fund Assets in Fund
AMG Yacktman Fund <$1M

    Firm Client types

    There is no client type data to display at this time.



    No timeline events available.
    Employer Years Dates
    LPL Financial LLC 3 years Jan 2017 - Present
    Bank of America, N.A. 1 year Nov 2015 - Nov 2016
    Merrill Lynch, Pierce, Fenner & Smith Incorporated 1 year, 8 months Mar 2015 - Nov 2016
    Merrill Lynch, Pierce, Fenner & Smith Incorporatedsanta Fe, Nm 1 year, 8 months Mar 2015 - Nov 2016
    Felix Group Inc 11 years, 6 months Jul 2008 - Present

    Designations & Memberships

    Membership information not available

    Articles and Answers

    Insights by David Wharram

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    Ask a financial questionAsk a question
    I am 65 years old and understand I am needing to take out some money out of my 401K before the age of 70?
    At the age of 70.5 you will be required to take out your (RMD)Required Minimum Distribution. The RMD is as it says the minimum distribution. The RMD is taxable as income for the year you receive it and each year after that. Taking the funds out and placing them in a ROTH will create a taxable event....  (more)
    Answered Jul 2018
    You will need to contact the plan sponsor. Their name should be at the top of the statement. You can contact them directly and discuss the options available. There will be a penalty to pay depending upon your age in addition to income tax. I would discuss the options with the Sponsor and consider th...  (more)
    Answered Jul 2018
    How can I find out how much money I have in my,401k?
    You would need to contact the retirement company (Plan Sponsor) who runs the 401K. They can provide you with the statement of account showing all the investments and their value. Some offer online portals others will mail you the statement...  (more)
    Answered Jul 2018
    Average company match in 401k plans?
    This will depend on the plan type as there are restrictions placed on the different types of plan. Investopedia back in December 2015 posted an article stating "The majority of companies offer some sort of matching contribution for an average of 2.7% of a persons pay, but there are many formulas out...  (more)
    Answered Jul 2018
    My ex husband passed away. He had an ESOP with NorCal Solid waste. How can my son find contact to get to it?
    The company address is listed as 160 Pacific Avenue, Suite200, San Francisco CA 94111, I would call them on 415.875.1000 or go to the website You will need to find out who controls the ESOP on behalf of the company. ...  (more)
    Answered Jul 2018
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Dec 5, 2019
      • license status
      • disclosures
      • as of date
        Dec 5, 2019
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:


      LPL Financial LLC

      Last updated on Jan. 16, 2020
        • $159.1B
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 787K
        • $202.3K
          Estimated Average Account Balance


      Types of Compensation Arrangements

      • Percentage Of Assets
      • Hourly Charges
      • Fixed Fees
      • Commissions