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Josephti Cruz

The Wealthgarden F.S. LLC
26 Years of Experience
Hawthorne, CA
Sells Insurance
View SEC Summary
View SEC Summary

Josephti Cruz is a registered investment advisor at The Wealthgarden F.S. LLC, based in Hawthorne, CA, with 26 years of industry experience. Josephti operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Business Owners, Charitable Giving, Education Planning, Estate Planning, and 7 more. Their firm serves 236 clients with $230M in assets under management.

The Wealthgarden F.S. LLC
Compensation
Fee-Only (% of Portfolio)Fixed/Hourly
Firm Size
5 advisors
Number of Clients
236 clients
Average Client Portfolio
$964K average
Assets Under Management
$227.6M

Fee Structure

Minimum Investment:None
Planning is included in investment management
Portfolio-Based Fees (Tiered)
Portfolio ValueAnnual Fee
Up to $500K1.50%
$500K - $1.0M1.25%
$1.0M - $5.0M1.00%
$5M+0.80%

Fees are negotiable based on relationship size, householding, level of services needed, and trading activity. Uses a cliff fee schedule.

Fee Estimator
Your Portfolio Value
$500K
$0$500K$1M$5M$20M
Estimated Annual Fee
—
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Location

Hawthorne, CA

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History

Regulatory History
Clean regulatory record

No disclosures, customer disputes, or regulatory actions on file.

Disclosures include customer complaints, regulatory actions, and other events that advisors must report to the SEC. A clean record means none have been reported.

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Other Business ActivitiesSells Insurance

Josephti is an insurance agent since 2015, dedicating minimal time to this activity. He also owns TaxGarden, LLC, providing tax accounting services and receiving referral compensation, and Financially Ever After LLC dba Cover Your Assets, a CDFA consulting business, dedicating minimal time to both.

Employment History
Current Registrations
The Wealthgarden F.S. LLC
March 2021 - Present · 5 yrs 7 mos
Previous Registrations
Northwest Asset Management
November 2020 - June 2021 · 7 mos
Tiaa-Cref Individual & Institutional Services, LLCBroker
October 2012 - November 2020 · 8 yrs 1 mo
Advice and Planning Services
October 2012 - November 2020 · 8 yrs 1 mo
J.P. Morgan Securities LLCBroker
October 2012 - October 2012 · 0 mos
J.P. Morgan Securities LLC
October 2012 - October 2012 · 0 mos
Chase Investment Services CORP.
June 2010 - October 2012 · 2 yrs 4 mos
Chase Investment Services CORP.Broker
June 2010 - October 2012 · 2 yrs 4 mos
Morgan Stanley Smith BarneyBroker
June 2009 - May 2010 · 11 mos
Citigroup Global Markets INC.Broker
October 2008 - June 2009 · 8 mos
Sanford C. Bernstein & CO., LLCBroker
December 2000 - August 2008 · 7 yrs 8 mos
Sanford C. Bernstein & CO., INC.Broker
February 2000 - December 2000 · 10 mos
State Registrations2 states
CATX
Advisor

You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.

Exams
No exam information available for this advisor.
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