DFX Intelligence

RIA Intelligence

Registered investment advisers, the advisors registered through them, the capital they report, the private vehicles they run and the people who own them, as a graph with a filing date behind every number. RAUM is what the adviser filed, a move is two registration dates, and a class is a rule you can read.

Registered advisor

Rafael A Cruz

Charles Schwab & Co., Inc.national BDPlantation, Fldual registrantIAPD 4659566

Feed of 09/14/2026

Also filed as Rafael Abel Cruz

At current firm

0 y

since Mar 31, 2026

In the industry

19 y

since Nov 27, 2006 (earliest exam, job or registration)

Prior registered firms

IAPD previous registrations

State registrations

current, as an IAR

Firms today

current registrations

Exams

S66

IA exams only

Book size

not public

not estimated here

Signals

dated events on this person

Registration history

IAPD current and previous registrations

Charles Schwab & Co., Inc. national BD current
since Mar 31, 2026 · Plantation, Fl
Citizens Private Wealth BD affiliated
Nov 7, 2023 to Jun 12, 2025 · Fort Lauderdale, Fl
Citizens Securities, Inc. BD affiliated
Sep 21, 2023 to Mar 9, 2026 · Albany, Ny
Santander Securities BD affiliated
Jun 13, 2022 to Sep 11, 2023 · Coconut Grove, Fl
Amerant Investments, Inc. independent RIA
Nov 7, 2019 to Apr 12, 2022 · Coral Gables, Fl
Td Ameritrade Investment Management, LLC former
Aug 26, 2015 to Oct 8, 2019 · Coral Gables, Fl
Td Ameritrade, Inc. former
Jul 15, 2015 to Oct 8, 2019 · Coral Gables, Fl
J.P. Morgan Securities LLC wirehouse
Oct 1, 2012 to Dec 11, 2013 · Sunny Isles Beach, Fl
Chase Investment Services Corp. former
Oct 20, 2009 to Oct 1, 2012 · Sunny Isles Beach, Fl
LPL Financial LLC BD affiliated
Jun 23, 2009 to Jul 21, 2009 · Aventura, Fl
Banc Of America Investment Services, Inc. unclassified
Nov 29, 2006 to Mar 26, 2009 · Coral Gables, Fl

Moves

a registration end followed by a registration begin elsewhere

Citizens Securities, Inc. to Citizens Private Wealth
left Mar 9, 2026, registered Nov 7, 2023 (-853 days) · Affiliated broker-dealer or bank to independent RIA
Citizens Private Wealth to Charles Schwab & Co., Inc.
left Jun 12, 2025, registered Mar 31, 2026 (292 days) · Affiliated broker-dealer or bank to another
Santander Securities to Citizens Securities, Inc.
left Sep 11, 2023, registered Sep 21, 2023 (10 days) · Affiliated broker-dealer or bank to another
Amerant Investments, Inc. to Santander Securities
left Apr 12, 2022, registered Jun 13, 2022 (62 days) · RIA to affiliated broker-dealer or bank
Td Ameritrade Investment Management, LLC to Amerant Investments, Inc.
left Oct 8, 2019, registered Nov 7, 2019 (30 days) · RIA to RIA
Td Ameritrade, Inc. to Td Ameritrade Investment Management, LLC
left Oct 8, 2019, registered Aug 26, 2015 (-1504 days) · channel change inside one enterprise, not a move · moved with a team
J.P. Morgan Securities LLC to Td Ameritrade, Inc.
left Dec 11, 2013, registered Jul 15, 2015 (581 days) · Other
Chase Investment Services Corp. to J.P. Morgan Securities LLC
left Oct 1, 2012, registered Oct 1, 2012 (0 days) · corporate re-registration, not a move
LPL Financial LLC to Chase Investment Services Corp.
left Jul 21, 2009, registered Oct 20, 2009 (91 days) · Other
Banc Of America Investment Services, Inc. to LPL Financial LLC
left Mar 26, 2009, registered Jun 23, 2009 (89 days) · Other

Signals

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

Transition signals

Mobility scoring is not published yet. The observable conditions this page will draw on once the historical validation is done: tenure, the firm’s own departures and ownership changes, new state registrations, a new adviser entity with this person on Schedule A, and colleagues’ moves. Until precision and lead time are measured on known moves, no label is printed. Read the methodology.

Provenance

Source: IAPD individual compilation feedreportedadviserinfo.sec.gov
Firm class: National broker-dealer RIAderived
Years in industry: 19derivedfrom the earliest dated exam, employment or registration
Not published: disclosure flags, outside business text, branch street address