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Michael B. Keeler, CFP®, CLTC

Financial Planner, husband, father of 2 boys, and someone who likes to drive things!

Cetera Advisor Networks LLC

Las Vegas


Contact Me



Advisor Services

  • Financial Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Tax Planning
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Businesses or Institutional Clients


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types



No timeline events available.
Employer Years Dates
Cetera Advisor Networks LLC 2 years, 7 months Sep 2017 - Present
Peak Financial 10 years, 11 months May 2009 - Present
Girard Securities, Inc. 8 years, 5 months May 2009 - Oct 2017

Designations & Memberships

  • Financial Planning Association
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
  • Certified Financial Planner
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.
  • Certified Long-Term Care
    Certified Long-Term Care
    Independent course which is focused on the field of long-term care planning and provides legal, accounting, insurance and financial service professionals for middle-aged clients.

Articles and Answers

Insights by Michael Keeler

    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    If you had $500 dollars to start investing, what would you do with it?
    It is hard to give you the best answer without knowing your personal situation. So here are some ideas to consider.How's your emergency fund? Got enough in it? Fund that if you can.If you qualify for a Roth IRA, those are wonderful ways to start investing. Make sure to contribute to it on a monthl...  (more)
    Answered Apr 2013
    I want to know the status of my pesion plan. Plan number 16-0999333-001. I would like to know any information you can provide. David Gelabert?
    The best place to check for information on this would be your HR department. This site does not have this type of information....  (more)
    Answered Mar 2013
    I am looking to see if i had a 401k for my 2 previous jobs. do you know how i can do this?
    One addition to what Craig said is you'll want to find someone in HR at your previous employer, as they would handle the benefits....  (more)
    Answered Dec 2012
    How to find out about your retirement balance?
    If you're talking about an account that gets funded by paycheck deductions, like a 401k, 403b, or 457, then you should be receiving quarterly or at least annual statements. If you are not receiving them, they may not have your current address and you should contact your HR department. If you have an...  (more)
    Answered Oct 2012
    I need advise to productively invest $20,000!
    I'd love to give you the perfect investment, but the problem is there is no one perfect investment for everybody. It depends on your time frame, tax status, age, risk tolerance, liquidity requirements, and a host of other things. If you met with an adviser, they will ask you these questions and help...  (more)
    Answered Jul 2013
    Is there anyway to take a bulk amount of money out of an inherited ira (without having to pay extra tax on it) to pay off my PLUS Loan (which I used to assist my children with college costs?)?
    It also depends on how old the original owner of the IRA was and when you received it. There is no way to avoid paying income tax, but you may be able to avoid the 10% penalty. The 5 year rule says you can take ALL the money out within 5 years of inheriting it. As for the low rates of return on you...  (more)
    Answered Nov 2012
    I had a annuity account while i was working at tilcon in n,branford, ct i have since retired and was going through my personal papers and found a statement from social security showing that i had funds in this account, i believe it was mass mutual, my question is is this account still active,details
    You can call Mass Mutual at 800-272-2216. They should be able to look up any accounts that exist under your Social Security number....  (more)
    Answered Oct 2012
    No longer with company, how do I withdraw funds?
    I assume you're talking about a 401(k) program. You can contact your old HR department or go to the website on your statement. Better yet, instead of paying taxes and penalties (say goodbye to 25% or more of the money!), why not roll the money over into an IRA?...  (more)
    Answered Feb 2013
    How can I see my account status?
    Hi Eleazar,You should get a quarterly statement from the company you invest with. If you haven't received one recently, check with your HR department and they should be able to point you in the right direction....  (more)
    Answered Oct 2013
    How do I know if I need a financial advisor?
    Alex, this is a great question. Not everybody needs a financial advisor. There are those people who are well versed on the subject and feel very comfortable taking the time to research the information.If you're not one of these people, you may be a good candidate for using a financial advisor. Most...  (more)
    Answered Mar 2015
    How do i find my account?
    Your best bet is to look at one of your recent statements. It should have the website and phone numbers necessary. If you don't have one, contact the HR department and they can tell you....  (more)
    Answered May 2014
    Best Use of Real Estate Investment Sale?
    This is a real tough question without knowing your personal situation. Here are a couple ideas.Invest - Create an asset allocation of stocks/mutual funds that meet your risk toleranceDo you have a 401k? Are you young (<50?) Defer as much of your salary as you can and live off the $100k. You'll...  (more)
    Answered Jun 2014
    How do I go about contacting our 401 K company to try to improve its rating?
    If you own the company, it is up to you to pick a 401(k) plan that is right for your company. You can always investigate other 401(k) providers and pick one that better suits your needs. ...  (more)
    Answered Oct 2013
    Will the dollar colaspe?
    Not anytime soon. The Euro has lots of challenges with Greece, Cyprus, Spain and Italy. There really isn't any other currency that can take its place as the world's currency. Several big Chinese companies had an initial public offering (IPO) recently. Do you know where? In the US. ...  (more)
    Answered Jun 2014
    Can I put money on my ex-wife's debit card from my 401k?
    Probably not. What you will need to do is complete the process to do a distribution from your 401k. Some 401k plans can be done online, some need a paper form. Call your 401k provider for the correct procedure. Once processed, they'll mail you a check, and then you can write a check to your ex-wife....  (more)
    Answered May 2014
    I have a Roth IRA and the wife wants one too. Max out contributions to one Roth IRA or split that money btw 2 IRA's?
    While you will pay another fee for the additional IRA, I'm a big believer in having both spouses having IRAs. In your case, your wife will be more involved when she has her own account, especially if she hasn't been involved in the finances before this. This can put her in a better position to carry...  (more)
    Answered Sep 2014
    Should I contribute to an IRA if I'm already contributing to a 401k? I'm 31 years old 8% will get me the full comp. mat.
    Congratulations on being able to save such a high percentage! The 8% in your 401k is a no brainer. There isn't much better than free money. Given your age, you should see if you qualify for a Roth IRA. You can contribute up to $5,500/year at your age.You might also consider doing a monthly investm...  (more)
    Answered Dec 2014
    Need a copy of my statement?
    If you have an old copy of your account, you can either go to the website listed or call the phone number. If you don't have any old statements, your best bet is to call the HR department of the company you worked form.To make this easier for the future, make sure you update your address when you m...  (more)
    Answered Apr 2015
    I am retiring in 4 years. What is to outlook for the sequioa fund. Should I hold or move to another fund?
    Hi Peter,Unfortunately my crystal ball is in the shop so the best I can come up with is "uncertain." The fund has done well in the past, however, with you getting close to retiring, you should consider making your portfolio more conservative....  (more)
    Answered Jul 2014
    How to find my balance on my 401 k?
    Check with our HR department to find out how you can look it up....  (more)
    Answered Oct 2014
    How long do it takes to your profit sharing money?
    Without knowing more information, like which company you are with, this is impossible to know. My suggestion is to talk with your HR people about this....  (more)
    Answered Dec 2014
    Need to withdraw five thousand dollars?
    BrightScope is just a website that aggregates data. They are not the custodians for your 401k, IRA, or bank accounts. For help on withdrawing money from your accounts, check your statements for the phone number to call or talk to the people who helped you start your account, like your HR department...  (more)
    Answered May 2013
    I received some paper work about having money in my 401 and want to know how to retrieve it asap i am disabled now?
    There should be a phone number on your statement. Give them a call and they can help you. Otherwise contact the HR department of the company you used to work for....  (more)
    Answered Oct 2014
    My wife and I each have 401ks. She passed away last year, so do I roll her account into mine or into my IRA .
    I'm so sorry to hear about your spouse. However, you do have some options. When someone passes away, it does allow you to take money out of the account penalty free before you are 59 1/2. You can do this by rolling it into an inherited IRA. However, you are already 59, so this may not be importan...  (more)
    Answered Sep 2016
    How can I get my statement from my 401k plan?
    If you don't have online access, you can call the 401k custodian for instructions on how to log in. If you don't know how to contact the 401k custodian, talk to your HR department. They can help you....  (more)
    Answered Jun 2014
    Has my one time lump sum check been mailed I will be gone and will need my son heck my mail box?
    BrightScope doesn't represent your company or your company's retirement program. It is just a third party that reviews retirement plans. Plan info for individuals is not available here. Your best bet is to call the phone number that is on your statement or check with your company's HR department....  (more)
    Answered Dec 2014
    Will the dollar colaspe and lose its global currency status?
    What would replace the dollar? The Euro looks scary. There just isn't anything that can take it over. My best guess is the dollar will eventually lose its status as global currency and be replaced by an artificial combination of different currencies. But that would be several decades away at the ear...  (more)
    Answered Jun 2014
    Josue E Vazquez that you need to cash out my 401k, story time takes charge as?
    If you are looking to take money out of your 401k, you need to talk to your HR department or the 401k custodian (look at a recent statement for the phone number or website)....  (more)
    Answered Sep 2014
    How do I find my 401k I had with susquehanna pfaltzgraff from the 80's?
    Do you have an old statement of your 401k? There should be a phone number on it that you can call....  (more)
    Answered May 2014
    How do I determine traditional 401 vs. ROTH 401?
    I agree with Robert that contributing to both could be a big benefit to you. In retirement, you might use the taxable part for your regular income and the Roth side for lump sum distributions (money for a cruise, car, etc). This way you can manage your tax liability with a little more certainty....  (more)
    Answered Jan 2016
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Dec 17, 2019
      • license status
      • disclosures
      • as of date
        Dec 17, 2019
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



      Last updated on Dec. 18, 2019
        • $115.0M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 300
          number of clients
        • $383.3K
          Estimated Average Account Balance Per Client

      Cetera Advisor Networks LLC

      Last updated on March 17, 2020
        • $25.8B
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 86K
        • $300.6K
          Estimated Average Account Balance


      Types of Compensation Arrangements

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