Josephti Cruz, CDFA®

Call me “Jo-SEF-tee” or “Jo”

 

I have a “mom” personality, even before I became a mother to Nyla and Sloane, my daughters. For as long as I can remember, I’ve taken care of my people—to make life simpler and easier for those around me, to be that reassuring, trusted pillar of strength and consistency.  

 

My life’s goal is simple: nurture and care for my family, my friends, and my clients.

 

During my last year at UCLA, I was reading the Sunday edition of the Los Angeles Times when I came across a full-page ad for an Investor’s Conference at the Long Beach Convention Center and convinced my roommates to go with me. The keynote speaker was Chuck Schwab himself. I was hooked.

 

I graduated with a degree in psychology knowing I would never use it in an official capacity. However, I’m grateful for that education, because it’s so important to listen and understand each and every client. Money is emotional and that’s ok.  

 

Since then, I’ve worked at many notable firms, including JPMorgan Chase and MorganStanley/Smith Barney, but I hold a soft spot for the combined 16 years that I spent at AllianceBernstein and TIAA.  I owe everything that I know about financial planning, investments and elite client service to the wonderful people I had the honor of learning from at those two firms.

 

Over two decades later, my business partner and I created the WealthGarden f.s. to elevate our collective knowledge and experience to a higher level. Take wealth management as you know it, and add warmth, ease, efficiency and the latest technology. We’re streamlining our processes so we can spend more quality time with you to do what’s in your best interest—and give you the best opportunity to live your best life.  

 

I am here to be my clients’ and their loved ones’ trusted partner for the rest of their lives.

 

Speaking of loved ones, Nyla and Sloane are my mini-me’s and the reason this night owl wakes up early in the morning. They’re my cheerleaders (and guinea pigs) when I stumble through new recipes in the kitchen and attempt to keep my potted garden alive perched on our window sills. We cherish our little adventures together, whether it’s a weekend trip up the coast or to our favorite spot in Hawaii. My mom, who is my rock and pillar of strength, thankfully lives a few miles away and is a constant presence in our lives.  

 

Some passions: real estate, trying new cuisines locally and abroad, and snowboarding.

 

I recently concluded a three-year term as a board member of the Academic Accountability and Facilities committees for Equitas Academy, an amazing K-8 community of charter schools in the Pico Union neighborhood of Los Angeles.