Independent · Fee-Only · Fiduciary
Financial Lives That Have Outgrown Generic Advice
fee-only financial planning and investment management in Toledo, Ohio for healthcare professionals, business owners, and those approaching or living in retirement
will i have enough?
Know where you stand. We run the numbers on your specific situation so you know whether you’re on track, and what to do if you’re not.
who's in my corner?
As a fee-only advisor, you pay us directly. That means no commissions, no product sales, no referral fees – just straightforward guidance built around your goals.
What am i missing?
Many people heading into retirement are paying more in taxes and unnecessary costs than they realize. We help you find and address what’s quietly working against you.
For People Whose Financial Lives Have Outgrown Generic Advice
Different careers often lead to the same question: “I’ve worked hard to build this. How do I coordinate everything so I can move forward with confidence?” That’s why Ruiz Financial Group focuses on successful professionals whose financial lives have grown increasingly complex.
Many of our clients are within a decade of retirement and looking for confidence that all the pieces are working together.
Nearing Retirement
You’ve built the income. The harder question is whether the plan around it is ready. Tax sequencing, withdrawal strategy, Social Security timing, and the life you actually want, coordinated as one plan.
Healthcare Professionals
High income, high taxes, and a compressed window to build wealth after a late start. As retirement nears, the questions get real: when to step back from clinical work, how to unwind practice ownership, and how to handle partnership and pension decisions. Medicine for Your Money™ coordinates it into one plan.
Business Owners
Your business is your biggest asset, and your biggest concentration of risk. We integrate the business plan and the personal plan so the family is protected whether the business sells, doesn’t sell, or sells for less than expected.
How Ready Are You for Retirement?
Take the Retirement Readiness Score, a 3-minute assessment across the five areas we coordinate: risk, planning, investment and tax strategy, life transitions, and legacy. Get a personalized score and see where your plan stands today.
Integrated Planning for the Lifestyle You've Earned
These are the five areas measured in your Retirement Readiness Score:
Risk Management
Life, disability, and long-term care insurance guidance
Liability, umbrella, and property coverage review
Coordinated risk assessment across personal and professional exposures
Financial Planning
Proprietary SMART Planning™
Wealth management coordinated as one strategy
Independent advice and recommendations
Investment and Tax Strategy
Proprietary SMART Investing™ portfolio process
Tax minimization strategies aligned to your goals
Access to a broad universe of investment strategies
Career and Life Transitions
Workplace benefits and pension optimization
Retirement and income transition planning
Partnership, ownership, and life transition decisions
Legacy and Ongoing Planning
Family, philanthropic and legacy integration
Proactive client education and empowerment
Clarity and direction at every stage of your life
Meet Your Team
Ruiz Financial Group is a family-run firm with one focus: helping you retire with confidence. We are not a call center. We are not a wirehouse. We are your neighbors in Northwest Ohio, and we treat your retirement like it matters, because it does.
Anthony Ruiz, CFP® | CPWA® | MBA | Founder
