John S. Ruzza

CX INSTITUTIONAL

Kalamazoo, MI 49009

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CRD#: 1619227

Professional summary

John Steven Ruzza, CFP® is a registered financial advisor currently at CX INSTITUTIONAL, LLC located in Kalamazoo, Michigan.

John is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1987. John has worked at 12 firms and has passed the Series 63, SIE, Series 7 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1) VR DEVELOPMENT LLC, 2632 S 11TH ST KALAMAZOO MI, 01/2006, MEMBER OF VR DEVELOPMENT, REAL ESTATE. NIR, 3 HR/MO 2 HR/MO TRADING 2) JOHN RUZZA CFP, 2632 S 11TH ST KALAMAZOO MI, 08/2009, INDEPENDENT INSURANCE AGENT FOR VARIOUS INDEPENDENT INSURANCE COMPANIES. INV REL, 40 HR/YR 40 HR/TRADING 3) JOHN RUZZA CFP, TAX PREPARER, 2632 S 11TH ST KALAMAZOO MI, 08/2009, NIR, 30 HR/YR 30 HR/YR TRADING 4) KINGDOM ADVISORS, 5605 GLENRIDGE DR ATLANTA GA, 12/2010, KINGDOM ADVISOR, EDUCATIONAL, NIR. 4 HR/MO 0 HR/MO TRADING 5) CIRA, 1776 PLEASANT PLAIN RD FAIRFIELD IA, 08/2009, AS ADVISORY REP OF A RIA. INV REL, 1200 HR/YR 1000 HR/TRADING 6) MAIN STREET FINANCIAL ADVISORS LLC, 2632 S 11TH ST KALAMAZOO MI, DBA MEMBER, 08/2009, INV REL, 120 HR/YR 120 HR/TRADING

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view John Steven Ruzza's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 1996

Experience

Current

September 25, 2025 - Present

CX INSTITUTIONAL, LLC

Office #1: 2632 S 11th St, Kalamazoo, MI 49009

RIA

CRD#: 292627

Kalamazoo, MI

Past

June 13, 2013 - December 31, 2020

KARDIA MIDWEST FAMILY WEALTH COUNSELING, LLC

RIA

CRD#: 164764

KALAMAZOO, MI

Past

September 1, 2009 - September 24, 2025

CAMBRIDGE INVESTMENT RESEARCH ADVISORS, INC.

RIA

CRD#: 134139

Kalamazoo, MI

Past

August 20, 2009 - September 24, 2025

CAMBRIDGE INVESTMENT RESEARCH, INC.

CRD#: 39543

Kalamazoo, MI

Past

January 22, 2008 - November 6, 2009

MAINSTREET FINANCIAL ADVISORS, LLC

RIA

CRD#: 119903

KALAMAZOO, MI

Past

June 24, 2002 - August 20, 2009

MUTUAL SERVICE CORPORATION

CRD#: 4806

KALAMAZOO, MI

Past

August 7, 1997 - June 25, 2002

OSAIC WEALTH, INC.

CRD#: 23131

SCOTTSDALE, AZ

Past

December 13, 1995 - August 7, 1997

MARINER FINANCIAL SERVICES, INC.

CRD#: 8292

LARGO, FL

Past

January 2, 1992 - December 14, 1995

ANDOVER SECURITIES, INC.

CRD#: 16903

KANSAS CITY, MO

Past

October 2, 1990 - December 31, 1991

GENEVA SECURITIES,INC.

CRD#: 16178

SCHAUMBURG, IL

Past

September 8, 1989 - October 4, 1990

GROVE POINT INVESTMENTS, LLC

CRD#: 1763

ROCKVILLE, MD

Past

January 23, 1987 - September 11, 1989

OSAIC FS, INC.

CRD#: 3870

FORT WAYNE, IN

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

CX INSTITUTIONAL, LLC

CREDENT WEALTH MANAGEMENT | CX WEALTH DIRECT | CX INSTITUTIONAL, LLC

CRD#: 292627 / SEC#: 801-112742

RIA

Registered Investment Advisory firm - (3/1/2018 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Michigan
(9/25/2025)

IAR

Texas
(9/25/2025)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

Series 63

Date: 1/30/1987

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 4/25/1987

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 1/20/1987

Investment Company Products/Variable Contracts Representative Examination

Current Firm

CX INSTITUTIONAL, LLC

CREDENT WEALTH MANAGEMENT | CX WEALTH DIRECT | CX INSTITUTIONAL, LLC

CRD#: 292627 / SEC#: 801-112742

RIA

Registered Investment Advisory firm - (3/1/2018 Approved)

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Contact information

Main Address

200 East 7th Street, Auburn, IN 46706

Mailing Address

Phone number

(260) 927-1830

Established

Firm type

Fiscal year end

# of Employees

106

SEC notice filing (42 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

WRAP FEE BROCHURE (10/14/2025)

ADV PART 2A (10/14/2025)

Regulatory assets under management

Total Number of Accounts	14,284
AUM (Assets Under Management)	$ 4,121,239,331

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

John S. Ruzza

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view John Steven Ruzza's CRS (Customer Relationship Summary).

Certified licenses

Experience

KARDIA MIDWEST FAMILY WEALTH COUNSELING, LLC

CAMBRIDGE INVESTMENT RESEARCH ADVISORS, INC.

CAMBRIDGE INVESTMENT RESEARCH, INC.

MAINSTREET FINANCIAL ADVISORS, LLC

MUTUAL SERVICE CORPORATION

OSAIC WEALTH, INC.

MARINER FINANCIAL SERVICES, INC.

ANDOVER SECURITIES, INC.

GENEVA SECURITIES,INC.

GROVE POINT INVESTMENTS, LLC

OSAIC FS, INC.

Primary Firm SEC Registration

CX INSTITUTIONAL, LLC

State Registrations and Notice Filings

Exams

Series 63

Date: 1/30/1987

SIE

Date: 10/1/2018

Series 7

Date: 4/25/1987

Series 6

Date: 1/20/1987

Current Firm

CX INSTITUTIONAL, LLC

Contact information

SEC notice filing (42 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

CX INSTITUTIONAL, LLC

TRUST BUT VERIFY

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