Cruz Investments & Wealth Management

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Client assets under management

Clients

Advisors

of 5 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

—

About

Cruz Investments & Wealth Management primarily serves pooled investment vehicles and institutional clients while offering financial planning, qualified plan management for workplace retirement accounts, and the selection and monitoring of third-party investment advisers. The firm generally does not hold client assets directly; portfolio management and custody are handled by third-party advisers and accounts are managed on a non-discretionary basis.

The firm’s investment approach emphasizes asset allocation using external research sources and analytical tools, with recommendations tailored to clients’ objectives, risk tolerance and time horizon. When recommending third-party managers it evaluates factors such as reputation, performance, financial strength and reporting capabilities and continues to monitor those managers as part of its ongoing advisory role.

This firm is distinctive among peer investment managers in that its principal also acts as a registered broker-dealer representative, sells insurance and other financial products, and operates an affiliated tax/accounting business—relationships the brochure discloses as potential conflicts and describes steps taken to mitigate. It also commonly uses hourly and modular planning engagements alongside percentage-of-assets arrangements and provides recommendations of unaffiliated third-party advisers rather than directly executing or custodializing client portfolios.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

General retirement planning College savings (529s, UTMA, etc.)

Fee options

Fixed

Fixed fees for financial planning services starting at $1,500 for two modules, increasing by $1,000 per additional module, up to $10,000 maximum

Project-based

$500 per hour for financial planning and qualified plan management services; hourly fee is negotiable with a minimum of $500

Other

Fee-only: Fixed fees starting at $1,500 for two modules, increasing by $1,000 per additional module, max $10,000; Hourly fee $500/hour

Main office location

Cruz Investments & Wealth Management

605 North Broadway, 2 Nd Floor

Aurora IL 60505, United States

Number of offices

Most active in

Illinois · Texas · Wisconsin

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Is not active or affiliated with:

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook X Instagram YouTube Website 630-897-0333

Advisors at this firm

Daniel D

Series 65

Aurora, IL

Cruz Investments & Wealth Management

Daniel De Boer is a financial advisor at Cruz Investments & Wealth Management in Aurora, IL. He holds a Series 65 designation and has been with the firm since 2023. Prior to his advisory role, he worked at Aurora University and Kaneland School District 302. Cruz Investments & Wealth Management provides investment management primarily through recommending and monitoring third-party advisers and offers modular financial planning along with ancillary insurance and tax-planning services. The firm focuses on asset allocation and ongoing evaluation of outside managers, with accounts managed on a non-discretionary basis.

General retirement planning College savings (529s, UTMA, etc.)

Reynaldo C

CFP®, Series 63

Aurora, IL

Cruz Investments & Wealth Management

Reynaldo Cruz is a CFP® professional with 36 years of industry experience, currently serving at Cruz Investments & Wealth Management in Aurora, IL. He has held roles at Madison Avenue Securities, LLC and Gf Investment Services, LLC. Outside of his advisory work, he is the creator of retail content through Sparton Eye Candy, LLC, which sells financial-themed products. Cruz Investments & Wealth Management provides investment management primarily by recommending and monitoring third-party advisers and offering qualified plan management. The firm’s approach emphasizes asset allocation and ongoing evaluation of external managers, while delivering modular financial planning and ancillary insurance and tax-planning services.

General retirement planning College savings (529s, UTMA, etc.)

Christian C

Series 65

Aurora, IL

Cruz Investments & Wealth Management

Christian Cruz is a financial advisor at Cruz Investments & Wealth Management in Aurora, IL, holding a Series 65 credential with four years of industry experience. He previously worked at Advisors Excel and Western Illinois Recreation. In addition to advisory services, Cruz is licensed to sell life and health insurance, spending part of his time reviewing insurance and annuity policies for clients. Cruz Investments & Wealth Management provides investment management primarily through recommending and monitoring third-party advisers and offers qualified plan management alongside modular financial planning, insurance, and tax-planning services. The firm focuses on asset allocation and ongoing evaluation of outside managers, delivering non-discretionary account handling and periodic reviews while integrating licensed insurance and advisory activities.

General retirement planning College savings (529s, UTMA, etc.)

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