The Wealthgarden F.S. provides financial planning, portfolio management for individuals and small businesses, business succession planning, education planning, estate planning, insurance, philanthropic planning, tax planning, and tax preparation. Financial planning was provided to 1–10 clients last fiscal year.
The Wealthgarden F.S. reports 236 clients. They include 174 individual clients, 61 high-net-worth individuals and 1 charitable organization. Of its assets, 99.9% ($227M across 630 accounts) are managed with discretion; $317K across 3 accounts are not. A wrap fee program the firm both sponsors and manages holds $61.7M. It advised 2 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 74% | 61% |
| High-net-worth individuals | 26% | 38% |
| Charitable organizations | <1% | 1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 174 | $139M | 61.1% | $799K |
| High-net-worth individuals | 61 | $85.5M | 37.6% | $1.4M |
| Charitable organizations | Fewer than 5 | $3.09M | 1.4% | $3.09M |
| Total | 236 | $228M | 100% | — |
- Clients
- 174
- Regulatory AUM
- $139M
- AUM share
- 61.1%
- Avg. per client
- $799K
- Clients
- 61
- Regulatory AUM
- $85.5M
- AUM share
- 37.6%
- Avg. per client
- $1.4M
- Clients
- Fewer than 5
- Regulatory AUM
- $3.09M
- AUM share
- 1.4%
- Avg. per client
- $3.09M
Total
- Clients
- 236
- Regulatory AUM
- $228M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 2
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
The Wealthgarden F.S. is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Consulting Services
- Consulting is billed at $350 an hour.
- Stand-alone Financial Planning
- Billed at $350 an hour and paid in advance in 3-hour retainers; generally complimentary for investment management clients.
- Trust and Estate Coordination
- Trust review is $250, deed filing is $250, and a new trust or extensive revision is $1,000 and up.
Josephti Cruz owns 50% to 75% of The Wealthgarden F.S.. It has 5 employees, 4 of them in advisory roles.
Leadership
Josephti CruzManaging Member- Jade EaglesManaging Member/CCO
- Wendy TurkMember of LLC
Investment adviser representatives
5 representatives listed in the SEC register as of 9 October 2026.
Staff
- 5 employees
- 4 in advisory functions
- 4 state-registered reps
- 4 insurance agents
- Owns 50% to 75% of The Wealthgarden F.S. LLC
Josephti Cruz
Control person · since December 2020
- Owns 50% to 75% of The Wealthgarden F.S. LLC
Jade Eagles
Control person · since December 2020
- Owns 25% to 50% of The Wealthgarden F.S. LLC
Wendy Turk
Control person · since August 2023
The Wealthgarden F.S.’s regulatory assets grew 1.6× from $139M (May 2024) to $228M (March 2026); clients rose from 184 to 236 and employees from 3 to 5.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $228M | 236 | 5 | 5 |
| May 2025 | $182M | 223 | 4 | 5 |
| May 2024 | $139M | 184 | 3 | 3 |
Besides its headquarters, The Wealthgarden F.S. has 4 offices (1 private residence, listed without an address), with 4 listed addresses in California.
California · 4 listed addresses
- 1730 E. Holly Ave, Suite 838, El SegundoHQ
- 5531 Palm Drive, Hawthorne
- 1707 Pacific Coast Hwy, Hermosa Beach
- 3627 Vista De La Bahia, San Diego
Contact and registration details
- Legal name
- The Wealthgarden F.S. LLC
- Headquarters
- 1730 E. Holly Ave, Suite 838, El Segundo, CA 90245
- Website
- thewealthgardenfs.com
- Phone
- 310-571-8489
- @the-wealthgarden-f-s
- SEC file
- 801-129740
- Founded
- 2021
- Structure
- California LLC
- Fiscal year end
- December
The Wealthgarden F.S. uses Fidelity ($126M, 56%) and Charles Schwab ($101M, 44%) as custodians for its separately managed accounts. The Wealthgarden F.S. has custody of $32.6M in client assets for 73 clients.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $126M56%
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $101M44%
At year end, The Wealthgarden F.S.’s separately managed accounts were mostly in funds (79%) and stocks (13%). Its reported 13F holdings for the quarter ended 30 June 2026 total $176M across 187 positions; the largest are iShares TR (6.0%), iShares TR (3.4%) and Blackrock ETF Trust (3.0%).
What the accounts hold
- Stocks13%
- Funds79%
- Bonds1%
- Cash6%
- Other1%
- Annuities1%
Reported 13F holdings
- $176M
- Reported 13F value
- 187
- Positions
- 26.5%
- In the 10 largest
- +20.4%
- Value vs. prior quarter
- iShares TR · Core S&P500 ETF6.0%
- iShares TR · S&P 500 Grwt ETF3.4%
- Blackrock ETF Trust · iShares US Equit3.0%
- Nvidia Corporation2.8%
- SPDR Series Trust · ST Str P500val2.2%
- iShares TR · MSCI Acwi EX US2.1%
- Blackrock ETF Trust · Isha IN Ctry ETF1.9%
- Apple Inc.1.9%
- Blackrock ETF Trust · Dynamic Eqty Act1.7%
- J P Morgan Exchange Traded F · Ultra Shrt ETF1.7%
Together, the ten largest are 26.5% of reported value.
How many clients does The Wealthgarden F.S. have?
The Wealthgarden F.S. has 236 clients and manages $228 million for them, as of March 2026. They include 174 individual clients, 61 high-net-worth individuals and 1 charitable organization.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 9 March 2026
What services does The Wealthgarden F.S. offer?
The Wealthgarden F.S. provides financial planning, portfolio management for individuals and small businesses, business succession planning, education planning, estate planning, insurance, philanthropic planning, tax planning, and tax preparation.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does The Wealthgarden F.S. use?
The Wealthgarden F.S.’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $126M and Charles Schwab & Co., Inc. (San Francisco, CA), with $101M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 March 2026
How many financial advisors does The Wealthgarden F.S. have?
The Wealthgarden F.S. has 4 investment adviser representatives registered with state securities authorities, out of 5 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 4 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does The Wealthgarden F.S. invest in?
At the end of its last fiscal year, The Wealthgarden F.S.’s separately managed accounts held 79% registered funds (mutual funds, ETFs, BDCs), 13% exchange-traded equities, 6% cash and equivalents, 1% U.S. government and agency bonds and 1% other. The 1% other category is described as: Annuities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns The Wealthgarden F.S.?
The Wealthgarden F.S.’s direct owners are Josephti Cruz (50% to 75%), Jade Eagles (50% to 75%) and Wendy Turk (25% to 50%).
Source: Form ADV Part 1A, Schedules A and B, filed 9 March 2026
How does The Wealthgarden F.S. get paid?
The Wealthgarden F.S. is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact The Wealthgarden F.S.?
The Wealthgarden F.S.’s main office is at 1730 E. Holly Ave, Suite 838, El Segundo, CA 90245. Its phone number is 310-571-8489. Its website is thewealthgardenfs.com.