J.P. Morgan Securities
47yrs
Top advisor by experience at J.P. Morgan Securities
36yrs
Denise Downs
Financial advisor at Osaic Wealth
Based in San Francisco, California, Denise Downs is a fiduciary financial advisor with 36 years of industry experience. Denise has been with Osaic Wealth since 2024; before that, Denise spent four years at Securities America Advisors and 14 years at KMS Financial Services. Osaic Wealth offers financial planning, investment management, and retirement plan consulting and is paid through a percentage of assets, hourly fees, and flat fees.
One of 3220 advisors with offices in San Francisco, and one of 2949 fiduciaries.
At a glance
Experience36 years (since 1991)
How that compares ?Top 6% by experience in San Francisco
OfficeSan Francisco, CA
FirmOsaic Wealth
How the firm is paid ?Percent of assets, Hourly, Flat fee
Typical client at the firm ?$398,336
Advisors at the firm8,052
States licensed ?1 state
Services through Osaic Wealth
Financial planningInvestment management for individuals and small businessesInvestment management for businesses and institutionsRetirement plan consultingChoosing other investment managersEducational seminars and workshops
Specialties, designations like CFP®, and languages spoken appear here when advisors claim their profiles.
Licenses
Exams passed, from the official record. Tap a license to see what it allows.
Career
- 2024 – nowOsaic Wealth, Inc.Current firm
- 2020 – 2024Securities America Advisors, Inc.Previously
- 2007 – 2020KMS Financial Services, Inc.Previously
- Jul 2006 – May 2007Woodbury Financial Services, Inc.Previously
Contact Denise
(800) 821-5100Firm headquarters in Scottsdale, AZ. Ask for Denise. San Francisco, CAOffice · Get directionsIs this you? Claim your free profile to add a direct line, email, photo, and specialties.
Questions to ask Denise
Tailored to Denise’s registration and firm.
- What's your succession plan, and who would work with me if you retire?
- At a firm this size, will I work with you directly or with a service team?
- What does a financial plan with you include, and how often is it updated?
- If you use outside managers, how are they chosen and what do they cost on top of your fee?
- Where would my money be held, and will I get statements directly from that firm?
- What would I pay in total each year, in dollars, including fund and trading costs?
My notes and scorecard
Sign in to keep private notes, score your first meeting, and track this advisor alongside others.
About Denise
How do I contact Denise?
Call Osaic Wealth at (800) 821-5100 and ask for Denise Downs. Denise works from the San Francisco, CA office.
How long has Denise been a financial advisor?
Denise has been in the industry since 1991, about 36 years. Top 6% by experience in San Francisco.
What licenses does Denise hold?
Series 63, Series 65. Tap any license on this page to see what it allows.
Is Denise a fiduciary?
Denise is registered as an investment advisor representative, which carries a fiduciary duty when giving investment advice.
How is Denise paid?
Osaic Wealth reports being paid by a percentage of the assets they manage, hourly fees, flat or fixed fees. Ask Denise for your total yearly cost in dollars.
Official record as of October 3, 2026.
This profile is for information only and is not financial advice or a recommendation.
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