Josephti Cruz has been Managing Member of The Wealthgarden F.S. since December 2020, is a control person of the firm and directly owns between 50% and 75% of it. Josephti Cruz holds a Degree in Psychology from the University of California, Los Angeles.
The Wealthgarden F.S. LLC is an El Segundo, CA firm with $228M under management, 236 clients and 4 advisers across 5 offices, as of its March 2026 filing.
Josephti Cruz is Founding Partner and Wealth Management Advisor of WealthGarden Financial Services. Cruz has worked at JPMorgan Chase and MorganStanley/Smith Barney, and spent a combined 16 years at AllianceBernstein and TIAA. Cruz and a business partner created WealthGarden Financial Services.
Josephti Cruz’s longest registration was 8 years at Advice and Planning Services (2012–2020). Before joining The Wealthgarden F.S. in 2021, Josephti Cruz was registered through Northwest Asset Management and Advice and Planning Services.
- Northwest Asset Management– · under a yearPlaya Vista, CA · Adviser representative · Firm CRD 147923
- Advice and Planning Services– · 8 yearsLos Angeles, CA · Adviser representative · Firm CRD 20472
- J.P. Morgan Securities LLC– · under a yearNew York, NY · Adviser representative · Firm CRD 79
- Chase Investment Services Corp.– · 2 yearsNew York, NY · Adviser representative · Firm CRD 25574
Professional designations
Listed by The Wealthgarden F.S.
- CDFA®
- MFP®
Investment adviser representative registrations
Josephti Cruz is registered as an investment adviser representative in 2 states, as a resident of Texas. The first approvals date from March 2021; the most recent is Texas, in January 2022.
- CaliforniaSince 4 March 2021
- TexasResidentSince 12 January 2022
Examinations
| Exam | Name | Passed |
|---|---|---|
| Series 7TO | General Securities Representative Examination | 2 February 2024 |
| SIE | Securities Industry Essentials Examination | Credited |
| Series 65 | Uniform Investment Adviser Law Examination | 11 November 2008 |
| Series 7 | General Securities Representative Examination | 14 February 2000 |
| Series 63 | Uniform Securities Agent State Law Examination | 22 December 1999 |
- Name
- General Securities Representative Examination
- Name
- Securities Industry Essentials Examination
- Name
- Uniform Investment Adviser Law Examination
- Name
- General Securities Representative Examination
- Name
- Uniform Securities Agent State Law Examination
- Full name
- Josephti Sotto Cruz
- CRD
- 4095193
- Firm
- The Wealthgarden F.S. · CRD 311927
- Role
- Managing Member
- Registration
- Investment adviser registration
- In the industry since
- April 2000
- Disciplinary history
- Not yet shown here · SEC record
- Firm bio
- thewealthgardenfs.com
Where does Josephti Cruz work?
Josephti Cruz has been Managing Member of The Wealthgarden F.S. LLC since December 2020, and is a control person of the firm.
Is Josephti Cruz a financial advisor?
Yes. Josephti Cruz has a current investment-adviser registration in California and Texas, through The Wealthgarden F.S. since March 2021.
How many years of experience does Josephti Cruz have?
Josephti Cruz has 26 years in the financial industry, since April 2000, across 5 adviser firms.
What exams has Josephti Cruz passed?
Josephti Cruz has passed 4 licensing exams: the Series 63, Series 7, Series 65 and Series 7TO. The earliest, the Series 63, was passed in December 1999. FINRA credited Josephti Cruz with the SIE, which began in October 2018.
Where did Josephti Cruz work before The Wealthgarden F.S.?
Before The Wealthgarden F.S., Josephti Cruz was registered through Advice and Planning Services, October 2012 to November 2020; J.P. Morgan Securities LLC, October 2012 to October 2012; Chase Investment Services Corp., June 2010 to October 2012.
Is Josephti Cruz registered with FINRA?
No. Josephti Cruz has no current broker registration.
How can I verify Josephti Cruz’s record?
Search CRD 4095193 on the SEC’s adviser search (adviserinfo.sec.gov), which publishes Josephti Cruz’s full registration record.