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RIA / WealthAdvisordual registered (broker-dealer)19 years in industry

Rafael A Cruz

Advisor at CHARLES SCHWAB & CO., INC.

Plantation, FL

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Search this name across graphsid dfx:ria:321fae4a-d6b1-f336-bda2-fd31dda2d9ac

Data as of Sep 14, 2026 (this record's last observation) from federal regulator filings. Page built Sep 21, 2026, 8:19 AM UTC and rebuilt at most every 15 minutes.

Relationships: 11
Dated events: 4
On other graphs: 0
Observed: Nov 29, 2006 to Sep 14, 2026

Across DFX

This entity has not been resolved onto another DFX graph by a shared identifier. A name match elsewhere would be a candidate, never an identity, and none is recorded.

Facts

fact = as filed or announced; derived = computed by DFX; estimate = a band, never a point

Current firm: CHARLES SCHWAB & CO., INC.
Current firm class: national broker-dealer RIAderived
Book size: not publicno per-advisor AUM is published by the SEC, FINRA or IAPD, and DFX estimates none
Industry start: Nov 27, 2006earliest registration or exam on IAPD
Years in industry: 19derivedfrom the industry start date
Years at current firm: 0derivedfrom the current registration's begin date
Prior firms: 10
Current registrations: 1
Registered states: 1
Exams: S66
First exam: Nov 27, 2006
First registration: Nov 29, 2006
Dual registered: yes, broker-dealer
Other names: Rafael Abel Cruz|Rafael Cruz
IAPD individual key: 4659566

Registration history

registration spans on IAPD; the basis says whether the span is a current registration or a prior employment record

Firm	Class	Began	Ended	Current	Branch	Basis
CHARLES SCHWAB & CO., INC.	National bd RIA	Mar 31, 2026	n/a	yes	Plantation, FL	Current employment
CITIZENS PRIVATE WEALTH	Bd affiliated wealth	Nov 7, 2023	Jun 12, 2025	no	FORT LAUDERDALE, FL\|TARRYTOWN, NY	Previous registration
CITIZENS SECURITIES, INC.	Bd affiliated wealth	Sep 21, 2023	Mar 9, 2026	no	ALBANY, NY\|WOBURN, MA\|Woburn, MA\|FORT LAUDERDALE, FL\|CONSHOHOCKEN, PA\|Naples, FL	Previous registration
SANTANDER SECURITIES	Bd affiliated wealth	Jun 13, 2022	Sep 11, 2023	no	Coconut Grove, FL\|Miami, FL\|San Juan, PR\|Coconut Grove, FL	Previous registration
AMERANT INVESTMENTS, INC.	Independent wealth	Nov 7, 2019	Apr 12, 2022	no	CORAL GABLES, FL\|CORAL GABLES, FL\|Aventura, FL\|Miami, FL	Previous registration
TD AMERITRADE INVESTMENT MANAGEMENT, LLC	Former SEC adviser	Aug 26, 2015	Oct 8, 2019	no	CORAL GABLES, FL	Previous registration
TD AMERITRADE, INC.	Former SEC adviser	Jul 15, 2015	Oct 8, 2019	no	Coral Gables, FL	Previous registration
J.P. MORGAN SECURITIES LLC	Wirehouse	Oct 1, 2012	Dec 11, 2013	no	SUNNY ISLES BEACH, FL	Previous registration
CHASE INVESTMENT SERVICES CORP.	Former SEC adviser	Oct 20, 2009	Oct 1, 2012	no	SUNNY ISLES BEACH, FL	Previous registration
LPL FINANCIAL LLC	Bd affiliated wealth	Jun 23, 2009	Jul 21, 2009	no	AVENTURA, FL	Previous registration
BANC OF AMERICA INVESTMENT SERVICES, INC.	n/a	Nov 29, 2006	Mar 26, 2009	no	CORAL GABLES, FL\|MIAMI, FL	Previous registration

Moves

a move is two registration dates; a bulk corporate re-registration is typed BULK_TRANSFER and is not a move

From	To	Left	Joined	Gap, days	Kind	Move type
CITIZENS SECURITIES, INC.	CITIZENS PRIVATE WEALTH	Mar 9, 2026	Nov 7, 2023	-853	Firm change after gap	Ibd to RIA
CITIZENS PRIVATE WEALTH	CHARLES SCHWAB & CO., INC.	Jun 12, 2025	Mar 31, 2026	292	Firm change	Ibd to ibd
SANTANDER SECURITIES	CITIZENS SECURITIES, INC.	Sep 11, 2023	Sep 21, 2023	10	Firm change	Ibd to ibd
AMERANT INVESTMENTS, INC.	SANTANDER SECURITIES	Apr 12, 2022	Jun 13, 2022	62	Firm change	RIA to ibd
TD AMERITRADE INVESTMENT MANAGEMENT, LLC	AMERANT INVESTMENTS, INC.	Oct 8, 2019	Nov 7, 2019	30	Firm change	RIA to RIA
TD AMERITRADE, INC.	TD AMERITRADE INVESTMENT MANAGEMENT, LLC	Oct 8, 2019	Aug 26, 2015	-1,504	Channel change	Other
J.P. MORGAN SECURITIES LLC	TD AMERITRADE, INC.	Dec 11, 2013	Jul 15, 2015	581	Firm change after gap	Other
CHASE INVESTMENT SERVICES CORP.	J.P. MORGAN SECURITIES LLC	Oct 1, 2012	Oct 1, 2012	0	Bulk transfer	Other
LPL FINANCIAL LLC	CHASE INVESTMENT SERVICES CORP.	Jul 21, 2009	Oct 20, 2009	91	Firm change	Other
BANC OF AMERICA INVESTMENT SERVICES, INC.	LPL FINANCIAL LLC	Mar 26, 2009	Jun 23, 2009	89	Firm change	Other

Team moves

moves this advisor made together with colleagues (two or more registrations ending and beginning together)

Team	Left	Joined	From	Kind
7870:111514:FL:2019-10-04	Oct 8, 2019	Aug 26, 2015	CORAL GABLES, FL	Firm change after gap

Relationships

Registered with (11)

→ CHARLES SCHWAB & CO., INC.Registered adviserregistration: current employment
Mar 31, 2026 to presentfactForm ADV
→ CITIZENS SECURITIES, INC.Registered adviserregistration: previous registration
Sep 21, 2023 to Mar 9, 2026factForm ADV
→ CITIZENS PRIVATE WEALTHRegistered adviserregistration: previous registration
Nov 7, 2023 to Jun 12, 2025factForm ADV
→ SANTANDER SECURITIESRegistered adviserregistration: previous registration
Jun 13, 2022 to Sep 11, 2023factForm ADV
→ AMERANT INVESTMENTS, INC.Registered adviserregistration: previous registration
Nov 7, 2019 to Apr 12, 2022factForm ADV
→ TD AMERITRADE INVESTMENT MANAGEMENT, LLCRegistered adviserregistration: previous registration
Aug 26, 2015 to Oct 8, 2019factForm ADV
→ TD AMERITRADE, INC.Registered adviserregistration: previous registration
Jul 15, 2015 to Oct 8, 2019factForm ADV
→ J.P. MORGAN SECURITIES LLCRegistered adviserregistration: previous registration
Oct 1, 2012 to Dec 11, 2013factForm ADV
→ CHASE INVESTMENT SERVICES CORP.Registered adviserregistration: previous registration
Oct 20, 2009 to Oct 1, 2012factForm ADV
→ LPL FINANCIAL LLCRegistered adviserregistration: previous registration
Jun 23, 2009 to Jul 21, 2009factForm ADV
→ BANC OF AMERICA INVESTMENT SERVICES, INC.Registered adviserregistration: previous registration
Nov 29, 2006 to Mar 26, 2009factForm ADV

Dated events

Occurred
Mar 9, 2026
Advisor changed firm
Rafael A Cruz left Citizens Securities, Inc. for Citizens Private Wealth (registered 2023-11-07)
Form ADVobserved 6 days ago
Occurred
Jun 12, 2025
Advisor changed firm
Rafael A Cruz left Citizens Private Wealth for Charles Schwab & Co., Inc. (registered 2026-03-31)
Form ADVobserved 6 days ago
Occurred
Sep 11, 2023
Advisor changed firm
Rafael A Cruz left Santander Securities for Citizens Securities, Inc. (registered 2023-09-21)
Form ADVobserved 6 days ago
Occurred
Apr 12, 2022
Advisor changed firm
Rafael A Cruz left Amerant Investments, Inc. for Santander Securities (registered 2022-06-13)
Form ADVobserved 6 days ago