Joshua Garza

BETTERMENT

NEW YORK, NY 10001

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CRD#: 7720362

Professional summary

Joshua Garza, who also goes by Josh Garza, is a registered financial advisor currently at BETTERMENT located in New York, New York.

Joshua is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2023. Joshua has worked at 3 firms and has passed the Series 66, Series 63, Series 7TO and SIE exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Josh Garza

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 Joshua Garza'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

September 5, 2024 - Present

BETTERMENT

Office #1: 450 West 33rd Street Floor 11, New York, NY 10001

RIA

CRD#: 149117

NEW YORK, NY

Past

March 25, 2024 - August 23, 2024

ROBINHOOD FINANCIAL, LLC

CRD#: 165998

Westlake, TX

Past

August 30, 2023 - March 13, 2024

CHARLES SCHWAB & CO., INC.

CRD#: 5393

Westlake, TX

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".

BETTERMENT

BETTERMENT | BETTERMENT LLC (NEW LEGAL NAME) | BETTERMENT LLC | BETTERMENT ADIVSORS LLC

CRD#: 149117 / SEC#: 801-70171

RIA

Registered Investment Advisory firm - (5/21/2009 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

New York
(9/5/2024)

IAR

Texas
(9/5/2024)

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 66

Date: 3/16/2024

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 9/18/2023

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 7TO

Date: 8/30/2023

General Securities Representative Examination

General Industry/Product Exam

SIE

Date: 6/29/2023

Securities Industry Essentials Examination

Current Firm

BETTERMENT

BETTERMENT | BETTERMENT LLC (NEW LEGAL NAME) | BETTERMENT LLC | BETTERMENT ADIVSORS LLC

CRD#: 149117 / SEC#: 801-70171

RIA

Registered Investment Advisory firm - (5/21/2009 Approved)

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Contact information

Main Address

450 West 33rd Street Floor 11, New York, NY 10001

Mailing Address

Phone number

(212) 228-1328

Established

Firm type

Fiscal year end

# of Employees

631

SEC notice filing (53 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

BETTERMENT LLC BROCHURE (11/4/2025)

Regulatory assets under management

Total Number of Accounts	1,200,673
AUM (Assets Under Management)	$ 56,368,684,129

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
10/23/2025	Cover Page	Report
10/18/2024	Cover Page	Report
12/08/2023	Cover Page	Report
04/26/2023	Cover Page	Report
01/06/2023	Cover Page	Report

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

Joshua Garza

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joshua Garza's CRS (Customer Relationship Summary).

Certified licenses

Experience

ROBINHOOD FINANCIAL, LLC

CHARLES SCHWAB & CO., INC.

Primary Firm SEC Registration

BETTERMENT

State Registrations and Notice Filings

Exams

Series 66

Date: 3/16/2024

Series 63

Date: 9/18/2023

Series 7TO

Date: 8/30/2023

SIE

Date: 6/29/2023

Current Firm

BETTERMENT

Contact information

SEC notice filing (53 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

BETTERMENT

TRUST BUT VERIFY

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