Jose C. Armenta
CREATE YOUR PATH LLC
BONITA, CA
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CRD#: 7032493
Professional summary
Jose Cruz Armenta JR, CFP®, who also goes by Jose Cruz Armenta, is a registered financial advisor currently at CREATE YOUR PATH LLC located in Bonita, California.
Jose is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2020. Jose has worked at 1 firm and has passed the Series 65 exam.
Biography
I believe the focus of financial planning should be on your “why.” What are your goals and values? Once we’ve identified your path, I will guide you in designing a comprehensive financial life plan that’ll allow you to walk that path. Only after we have found the “why” can we create the “how” –and only after understanding your unique desires do we start discussing numbers.
When I first entered the financial services industry, I was discouraged by the type of financial services I saw offered to Federal employees, from inappropriate insurance products to patchwork advice focused on trying to “beat the market.” Equipped with a bachelor’s degree in finance and accounting from Columbia College, a master’s degree in financial and tax planning from San Diego State University, and a lifelong awareness of the link between money management and life satisfaction, I became determined to provide real comprehensive financial planning for Federal employees that focused on helping them accomplish their goals.
The decision to specialize in helping Federal employees stems from my experience serving in the Marine Corps as a bomb dog handler. In 2013, I was injured by an IED in Afghanistan and medically retired, along with my bomb dog Zenit. Despite this unexpected curve in my path, I still had the same “why”: I wanted to be involved in a mission greater than myself and help those I cared about. I knew this meant continuing to work with those who serve our great nation.
My “how” turned out to be launching Create Your Path, a fee-only, independent financial planning firm specializing in advising Federal employees. As a CERTIFIED FINANCIAL PLANNER™ practitioner, Chartered Financial Consultant, an Enrolled Agent, and a former Federal employee who has been in your shoes, I am ready to guide you towards the life you envision.
Question & Answer
What are your service offerings?
Tax Planning
Employee and Employer Plan Ben...
Comprehensive Financial Planni...
Do you have an area of expertise or specialization?
Cash Flow/Budgets/Credit Issue...
College/Education Planning
Federal Employees
Fixed Fee (Subscription, Retai...
Investment Advice with Ongoing...
Middle Income Client Needs
What is your minimum asset requirement?
1
Are you a "fiduciary"?
Yes
Aliases
Jose Cruz Armenta
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.
Rental property management as the landlord. This position began 2/1/2024. I devote approximately one hour a month to this position and none during trading hours. This position involves maintaining the residential home for the current tenants.
CRS (Client Relationship Summary) - RIA
Click below to view Jose Cruz Armenta JR's 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®
Start date: 2021
Experience
Current
August 13, 2020 - Present
CREATE YOUR PATH LLC
RIA
CRD#: 310062
BONITA, CA
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
California(8/13/2020)
IAR
Texas(7/24/2025)
Current Firm
CREATE YOUR PATH LLC
CREATE YOUR PATH LLC
CRD#: 310062 / SEC#:
California
Registered Investment Advisory firm - (8/13/2020 Approved)Texas
Registered Investment Advisory firm - (7/22/2025 Conditional Restricted)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
Bonita, CA
Mailing Address
501 W Broadway Suite 800, San Diego, CA 92101
Phone number
(619) 483-8690
Established
Firm type
Fiscal year end
# of Employees
1
Regulatory assets under management
| Total Number of Accounts | 13 |
| AUM (Assets Under Management) | $ 1,362,919 |
Red Flags
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