Jose Armenta
Create Your Path · San Diego, California
Jose Armenta is a fee-only financial advisor at Create Your Path in San Diego, California, who holds the CFP, ChFC and EA credentials. Jose charges a flat fee or retainer, an ongoing planning fee, a one-time planning fee and hourly fees (ongoing planning from $2,700 a year and one-time plans from $395) and focuses on retirement planning, estate & legacy planning and tax planning.
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Specialties
Facts
| Firm | Create Your Path |
|---|---|
| Based in | San Diego, California |
| Fee model | Flat fee or retainer · Ongoing planning fee · One-time planning fee · Hourly |
| Fees (firm's website) | Ongoing planning from $2,700 a year · One-time plans from $395 · $200 an hour |
| Works virtually | Yes |
| Accepting new clients | Yes |
| Assets under management | $1.6M across 26 accounts |
| Credentials | CFP · ChFC · EA · MSBA · MSFP |
| SEC registration | Investment adviser representative in CA, TX · CRD 7032493 |
| Exams passed | Series 65 (2018) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | createyourpathfp.com |
| Profile |
How Jose's firm compares
- Ongoing planning starts at $2,700 a year, below the California median of $6,000 for fee-only firms that publish prices.
- A one-time plan starts at $395, below the California median of $2,500 for fee-only firms that publish prices.
- The hourly rate is $200, below the California median of $300 for fee-only firms that publish prices.
- Create Your Path's average account is about $60,000, from its Form ADV (assets managed divided by 26 accounts).
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Questions about Jose
Is Jose Armenta a fee-only financial advisor?
Yes. Jose Armenta is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Jose's firm.
How does Jose charge for financial advice?
Jose charges a flat fee or retainer, an ongoing planning fee, a one-time planning fee and hourly fees.
How much does Jose charge?
According to Create Your Path's website, checked October 28, 2026: ongoing planning from $2,700 a year; one-time plans from $395; $200 an hour.
Does Jose work with clients virtually?
Yes. Create Your Path says on its website that it works with clients remotely.
Where is Jose Armenta based?
Jose Armenta is based in San Diego, California.
What does Jose specialize in?
Jose's specialties include retirement planning, estate & legacy planning and tax planning.
What credentials does Jose Armenta hold?
Jose Armenta holds the CFP, ChFC, EA, MSBA and MSFP credentials.
Is Jose Armenta registered with the SEC?
Yes. Jose Armenta is registered as an investment adviser representative in CA and TX (CRD 7032493), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How much does Create Your Path manage?
Create Your Path reports $1.6M across 26 accounts in assets under management.
How do I contact Jose Armenta?
Through Jose's website, createyourpathfp.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- XY Planning Network directory listing : XYPN members are fee-only
- Create Your Path website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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