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/F9 19 Tf 265.854 677.56 Td 0.000 Tc(Centaurus Financial, Inc)Tj
-54.895 -22.81 Td(Advisor Brochure Supplement)Tj
/F8 11 Tf 163.971 -28.002 Td(\(Part 2B of Form ADV\))Tj
/F9 11 Tf -300.447 -149.497 Td(This brochure provides information about the qualifications and business)Tj
-0 -13.2 Td(practices of Joel Harworth. If you have any questions about the contents of)Tj
0 -13.2 Td(this brochure, please contact us at \(909\) 981-1720 and/or)Tj
0 -13.2 Td(joel@1on1financial.com. The information in this brochure has not been)Tj
-0 -13.2 Td(approved or verified by the United States Securities and Exchange)Tj
0 -13.2 Td(Commission or by any state securities authority.)Tj
/F8 11 Tf 0 -39.6 Td(Joel Harworth)Tj
0 -26.4 Td(818 N Mountain Ave Suite 200)Tj
0 -13.2 Td(UPLAND, CA 91786)Tj
0 -13.2 Td(Phone: \(909\) 981-1720)Tj
0 -13.2 Td(Fax: \(909\) 949-2917)Tj
-0 -13.2 Td(E-Mail: joel@1on1financial.com)Tj
/F9 11 Tf -0 -26.4 Td(Additional information about Joel Harworth also is available on the SEC's)Tj
0 -13.2 Td(website at www.adviserinfo.sec.gov.)Tj
/F8 11 Tf -0 -39.6 Td(5/9/2016)Tj
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/F8 11 Tf ( \(Part 2B of Form ADV\))Tj
/F9 11 Tf 0 -35.962 Td(Item 2 Educational Background and Business Experience)Tj
/F8 11 Tf 0 -32.13 Td(I was born in 1976.)Tj
0 -42.465 Td(FORMAL EDUCATION)Tj
0 -29.265 Td(I graduated from high school in 1994.)Tj
0 -29.265 Td(After highschool I received the following degree\(s\):)Tj
-0 -39.6 Td(Institution Name: University of La Verne)Tj
0 -13.2 Td(Date Attended: 1998)Tj
-0 -13.2 Td(Degree Obtained: Bachelor of Science)Tj
0 -13.2 Td(Major: Business Administration with a concentration in Finance)Tj
0 -13.2 Td(Honors:)Tj
-0 -55.665 Td(RECENT WORK EXPERIENCE)Tj
0 -29.265 Td(For the past 5 or more years I have been engaged in the following business\(es\) which may or may)Tj
-0 -13.2 Td(not be investment related:)Tj
-0 -39.6 Td(Employment Dates: 07/22/1998 - 4/2016)Tj
0 -13.2 Td(Business Name: Wescom Financial Services)Tj
0 -13.2 Td(Investment Related: Y)Tj
0 -13.2 Td(City: Pasadena)Tj
-0 -13.2 Td(State: CA)Tj
0 -13.2 Td(Position Held: Financial Advisor)Tj
-0 -13.2 Td(Description: As a Financial Advisor I was responsible for over 800 clients and $80 million in assets)Tj
0 -13.2 Td(under management. My team was in change of servicing and managing their portfolios. I grew the)Tj
0 -13.2 Td(relationships that I had with my clients and was recognized in 2013 and 2014 as a top advisor.)Tj
0 -39.6 Td(Employment Dates: 4/2016 - Present)Tj
-0 -13.2 Td(Business Name: Centaurus Financial, Inc.)Tj
0 -13.2 Td(Investment Related: Y)Tj
-0 -13.2 Td(City: Anaheim)Tj
0 -13.2 Td(State: CA)Tj
0 -13.2 Td(Position Held: Registered Representative)Tj
-0 -13.2 Td(Description: Registered Representative)Tj
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0.00 0.00 0.00 rg /F8 11 Tf 1.432 659.168 Td 0.000 Tc(SECURITIES LICENSES)Tj
0 -29.265 Td(In order to offer securities and securities related products, federal and state regulations require)Tj
-0 -13.2 Td(various licenses. A complete list of the various exams I have taken can be obtained at)Tj
0 -13.2 Td(www.finra.org/brokerchecl. To offer advisory services, most jurisdictions require the passing of the)Tj
0 -13.2 Td(Series 7 and Series 66 combined, or the passing of the Series 65. Some jurisdictions will waive the)Tj
0 -13.2 Td(exam requirement based on industry experience or professional designations. I have taken the)Tj
0 -13.2 Td(following securities exam\(s\) or rely on an exam waiver or professional designation which permits)Tj
0 -13.2 Td(me to conduct advisory services: 7; 24; 66. These license are held in the following states:)Tj
-0 -13.2 Td(California.)Tj
-0 -29.265 Td(My Series 7 is registered with Centaurus, and allows me to assist clients with any general)Tj
-0 -13.2 Td(securities investment a client may be considering or which I may recommend.)Tj
0 -29.265 Td(In addition to my licenses permitting me to conduct advisory services, I also have my series 24.)Tj
0 -13.2 Td(This licence is a general securities principals license which allows me to supervise other registered)Tj
-0 -13.2 Td(persons to a limited extent.)Tj
0 -29.265 Td(I passed the Series 66 securities exam which in conjunctin with my Series 7 qualifies me to provide)Tj
0 -13.2 Td(investment advisory services as an investment adviser representative of Centaurus.)Tj
-0 -42.465 Td(INSURANCE LICENSES)Tj
-0 -29.265 Td(In order for me to provide insurance services, I am required to be licensed according to various)Tj
0 -13.2 Td(state insurance licensing requirements. I currently hold the following insurance licenses:)Tj
0 -13.2 Td(%Insurance_Licenses%}. These licenses are held in the following states subject that state's)Tj
0 -13.2 Td(insurance licensing requirements which are separate than those requirements to provide)Tj
0 -13.2 Td(investment advisory related products: California; Nevada.)Tj
-0 -42.465 Td(PROFESSIONAL DESIGNATIONS)Tj
-0 -29.265 Td(I currently do not hold any professional designations.)Tj
/F9 11 Tf 0 -32.129 Td(Item 3 Disciplinary Information)Tj
/F8 11 Tf 0 -32.129 Td(The SEC requires that I disclose to clients and prospective clients any disciplinary activity which)Tj
0 -13.2 Td(would be material information impacting the client's ability to make an informed decision with regard)Tj
0 -13.2 Td(to engaging my services. As such I am required to disclose any administrative, legal or regulatory)Tj
-0 -13.2 Td(events which occurred within the last ten years or those events which may have occurred more)Tj
-0 -13.2 Td(than 10 years ago but which would still be material to your decision making process. Such events)Tj
0 -13.2 Td(may include without limitation: suspension or revocation of a license or designation; an)Tj
0 -13.2 Td(administrative proceeding brought by a state, federal or foreign regulatory agency as well as any)Tj
0 -13.2 Td(self regulatory organization; imposition of a civil fine or penalty or arbitration award of more than)Tj
0 -13.2 Td($2,500; the filing or participation in a bankruptcy petition; involvement in an arbitration or criminal)Tj
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0.00 0.00 0.00 rg /F8 11 Tf 1.432 685.568 Td 0.000 Tc(action whereby I have plead guilty, no contest or have been convicted of a felony or a)Tj
0 -13.2 Td(misdemeanor involving, investment related activities, fraud, making of false statements, conversion)Tj
-0 -13.2 Td(of property, perjury, forgery or counterfeiting; or conspiracy to commit any such misdemeanor. As a)Tj
0 -13.2 Td(result of these requirements, I make note of the following disciplinary actions which may be)Tj
0 -13.2 Td(material. Additional information may also be found at www.finra.org/brokercheck and/or)Tj
-0 -13.2 Td(www.adviserinfo.sec.gov.)Tj
-0 -29.265 Td(I have been involved in a proceeding of a regulator. The details are as follows: A client that I had a)Tj
0 -13.2 Td(long relationship with me asked if I would handle his estate when they passed. In 2010 we)Tj
0 -13.2 Td(amended the trust and added me as a trustee and also added my two sons as beneficiaries for a)Tj
0 -13.2 Td(small part of the estate. I took the trust and submitted it to compliance. They approved the)Tj
0 -13.2 Td(amendment with me handling the estate. In 2015, the wife was starting to struggle with keeping up)Tj
-0 -13.2 Td(with the bills and financial duties. I discussed with both the husband and wife if they would like me)Tj
0 -13.2 Td(to handle it. Since I was already the successor trustee, I called their attorney and requested a)Tj
-0 -13.2 Td(Power of Attorney for myself. She signed it and I proceeded to pay there bills and at the husbands)Tj
0 -13.2 Td(request coordinate travel for there son to get to California from South Carolina to see his mother. I)Tj
0 -13.2 Td(went to the President of the company and let her know what I was going. The Chief Compliance)Tj
-0 -13.2 Td(Officer was out of the office and she would discuss it with her tomorrow. Over two weeks went by)Tj
0 -13.2 Td(and the CCO called me and let me know that I could not have a POA or be the trustee of the trust.)Tj
0 -13.2 Td(All of these actions were to protect my clients since they did not trust their son. Shortly after I was)Tj
0 -13.2 Td(removed as POA, I turned over the checkbook to the son. With in a month or tow he had forged)Tj
-0 -13.2 Td($20,000 in checks to himself and his fiancee. The same client above would send check to our)Tj
0 -13.2 Td(home in birthday cards to our boys. They thought of them as their grandkids. He was an avivd)Tj
0 -13.2 Td(golfer and we played golf together till he was 88 years old. After he could not play I asked if he)Tj
-0 -13.2 Td(would sponsor a golf tournament or two if he liked what they were raising money for. I found a few)Tj
0 -13.2 Td(that were raising money for veterans of the military. He was retired from the Air Force. They wrote)Tj
0 -13.2 Td(two check to me to pay for a foresome at two tournaments. I would bring back trophies to share)Tj
0 -13.2 Td(with him. I had a few managed accounts that I transferred in-kind to a money manager. Once)Tj
0 -13.2 Td(complete, I was going to leave them as there were performing well. The trades were approved for)Tj
0 -13.2 Td(the in-kind transfers. Each year I would complete a review and would discuss the allocation and)Tj
-0 -13.2 Td(why we were going to leave it as is. Each review was documented and submitted for review to)Tj
0 -13.2 Td(compliance. Compliance came back 4 years later to tell me I could not have those assets in the)Tj
0 -13.2 Td(managed account. Eventhough my allocations were 1-2% higher than that of the money managers)Tj
-0 -13.2 Td(returns.)Tj
/F9 11 Tf 0 -32.129 Td(Item 4 Other Business Activities)Tj
/F8 11 Tf 0 -42.465 Td(INVESTMENT-RELATED OBAs)Tj
0 -29.265 Td(I am not involved in investment-related business activities that provide a substantial source of my)Tj
-0 -13.2 Td(income or involve a substantial amount of my time.)Tj
0 -42.465 Td(NON-INVESTMENT-RELATED OBAs)Tj
-0 -29.265 Td(I am involved in non-investment-related business activities that provide a substantial source of my)Tj
0 -13.2 Td(income or involve a substantial amount of my time.)Tj
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/F8 11 Tf (: HOPE CAFE AND CATERING; LINE COOK,PRIVATE BUSINESS,ADDRESS:2094 E.)Tj
-0 -13.2 Td(FOOTHILL BLVD., PASADENA,CA 91107. EVENT CATERING OF CHURCH AND OTHER)Tj
0 -13.2 Td(EVENTS. PREP AND COOK FOOD, DELIVER FOOD TO EVENT SITES. I SPEND APPROX.)Tj
-0 -13.2 Td(5-10 HOURS PER MONTH ON THIS ACTIVITY.)Tj
/Fa 11 Tf -0 -13.2 Td(Conflict of Interest)Tj
/F8 11 Tf (: N/A)Tj
/F9 11 Tf -0 -48.194 Td(Item 5 Additional Compensation)Tj
/F8 11 Tf -0 -32.13 Td(As an advisory associate and/or registered representative of Centaurus Financial, I may receive)Tj
0 -13.2 Td(additional benefits in addition to fees or commissions for selling or promoting certain products or)Tj
-0 -13.2 Td(services. The benefit received may be in the form of travel reimbursement for attending a product)Tj
0 -13.2 Td(sponsor's conference or other economic benefit which may or may not be monetary. Any such)Tj
0 -13.2 Td(arrangement is monitored by Centaurus and is within regulatory limits.)Tj
0 -26.4 Td(Also, as an Independent Contractor to Centaurus Financial, I am neither a salaried employee nor)Tj
-0 -13.2 Td(do I receive a bonus as a result of business production. Centaurus may, at its discretion, subsidize)Tj
0 -13.2 Td(my attendance at firm sponsored events and/or educational seminars.)Tj
/F9 11 Tf -0 -32.129 Td(Item 6 Supervision)Tj
/F8 11 Tf 0 -29.265 Td(In providing advisory services, such services shall be provided pursuant to the investment)Tj
-0 -13.2 Td(management agreement, financial plan agreement, or other agreement which may be executed as)Tj
0 -13.2 Td(between me and my client\(s\). Such agreement will also discuss as applicable the appropriateness)Tj
0 -13.2 Td(of any investment related advice, product or service.)Tj
-0 -26.4 Td(In addition to the review parameters set out in the client/Adviser agreement, I am supervised by)Tj
0 -13.2 Td(Centaurus at several levels. Such supervision includes an annual attestation that I understand the)Tj
0 -13.2 Td(policies and procedures relating to my advisory services offered through Centaurus Financial, Inc.)Tj
0 -13.2 Td(At the client level, a principal of Centaurus Financial, Inc. reviews all account opening paperwork)Tj
-0 -13.2 Td(before an account is opened. Additionally, I am supervised by a regional compliance officer and my)Tj
0 -13.2 Td(office is inspected at least annually which includes a review of sample client files in addition to)Tj
0 -13.2 Td(auditing for compliance with firm policy and procedures.)Tj
-0 -29.265 Td(My supervisor is:)Tj
0 -13.2 Td(Philip Board)Tj
0 -13.2 Td(Branch Manager)Tj
-0 -13.2 Td(909-981-1720)Tj
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