Paulette M. Prats Cruz

X-SQUARE CAPITAL

Guaynabo, PR 00968

Some features on this profile are disabled

CRD#: 6168855

Professional summary

Paulette M Prats Cruz, who also goes by Paulette M Prats, Paulette Marie Prats Cruz, is a registered financial advisor currently at X-SQUARE CAPITAL located in Guaynabo, .

Paulette is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2014. Paulette has worked at 3 firms and has passed the Series 65 and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Paulette M Prats | Paulette Marie Prats Cruz

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.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Paulette M Prats Cruz'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®

None

Experience

Current

February 16, 2024 - Present

X-SQUARE CAPITAL

Office #1: Centro Internacional De Mercadeo Ii 90 Carr 165, Suite 803, Guaynabo, PR 00968

RIA

CRD#: 167237

Guaynabo, PR

Past

January 10, 2014 - September 18, 2014

UBS FINANCIAL SERVICES INCORPORATED OF PUERTO RICO

CRD#: 13042

GUAYNABO, PR

Past

January 10, 2014 - September 18, 2014

UBS FINANCIAL SERVICES INC.

CRD#: 8174

GUAYNABO, PR

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".

X-SQUARE CAPITAL

X-SQUARE CAPITAL | X-SQUARE CAPITAL, LLC | X-SQUARE CAPITAL, INC.

CRD#: 167237 / SEC#: 801-88171

RIA

Registered Investment Advisory firm - (4/6/2015 Approved)

Puerto Rico

Registered Investment Advisory firm - (4/10/2015 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

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

Puerto Rico
(2/16/2024)

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

IAR

Series 65

Date: 2/16/2024

Uniform Investment Adviser Law Examination

General Industry/Product Exam

Series 7

Date: 1/9/2014

General Securities Representative Examination

Current Firm

X-SQUARE CAPITAL

X-SQUARE CAPITAL | X-SQUARE CAPITAL, LLC | X-SQUARE CAPITAL, INC.

CRD#: 167237 / SEC#: 801-88171

RIA

Registered Investment Advisory firm - (4/6/2015 Approved)

Puerto Rico

Registered Investment Advisory firm - (4/10/2015 Terminated)

Upgrade to AdvisorCheck Premium

Get A Biweekly Pulse, AutomaticallyReceive biweekly alerts automatically. Stay informed and proactive.

Catch Firm-Level Red Flags SoonerCatch leadership changes and disclosures early, before issues escalate.

See Trends. Not Just SnapshotsMonitor firm stability metrics like AUM and advisor ratios over time.

Contact information

Main Address

Centro Internacional De Mercadeo Ii 90 Carr 165, Suite 803, Guaynabo, PR 00968

Mailing Address

Phone number

(787) 282-1621

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (1 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

2025-03 - X-SQUARE CAPITAL - FORM ADV PART 2A VFINAL (3/31/2025)

Regulatory assets under management

Total Number of Accounts	263
AUM (Assets Under Management)	$ 616,864,678

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.

Similar Advisors

Tania Mansouri

J.P. MORGAN SECURITIES LLC

Encino, CA

Michael Erpenbach

LPL FINANCIAL LLC

IAR

Lake Elmo, MN

Larry Frank

BETTER FINANCIAL EDUCATION

ROCKLIN, CA

Why Advisor Check

We're Here To Help

Advisor Monitoring

Firm Stability Insights

Paulette M. Prats Cruz

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Paulette M Prats Cruz's CRS (Customer Relationship Summary).

Certified licenses

Experience

X-SQUARE CAPITAL

UBS FINANCIAL SERVICES INCORPORATED OF PUERTO RICO

UBS FINANCIAL SERVICES INC.

Primary Firm SEC Registration

X-SQUARE CAPITAL

State Registrations and Notice Filings

Exams

Series 65

Date: 2/16/2024

Series 7

Date: 1/9/2014

Current Firm

X-SQUARE CAPITAL

Contact information

SEC notice filing (1 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

X-SQUARE CAPITAL

TRUST BUT VERIFY

Similar Advisors