our services
Fee-Only Financial Planning and Wealth Management
Ruiz Financial Group is an independent, fee-only financial advisory firm in Toledo, Ohio. Financial planning comes first in everything we do, and our Wealth Management service brings your plan and your investments together in one ongoing relationship. If you’d prefer a one-time plan without investment management, SMART Planning™ is also available on its own.
Someone to Ask First
Before you retire, sell a business, or make a major purchase, you have a planner who knows your situation, so you’re not guessing on decisions that are hard to undo.
See the Ripple Effects
A tax move can change your retirement income; a business decision can affect your insurance needs. We help you see how one choice affects the rest before you decide, not after.
A Plan That Keeps Working
Like a good coach, we check in regularly, revisit your goals as life changes, and help you stay on track so you’re making progress toward what matters most.
services
Built Around Your Plan
Financial planning is at the core of both. Wealth Management is our ongoing relationship, bringing your plan and your investments together. SMART Planning™ provides a one-time plan for those who prefer to manage their own investments.
Wealth Management
Integrated Financial Planning and Investment Management
Ongoing financial planning plus professional management of your investments, with your portfolio built and adjusted around your plan. A good fit if you'd rather not manage your investments yourself, or want your planning and investments handled in one place.
- Ongoing, personalized financial planning
- Professional investment management
- A portfolio managed around your goals
SMART Planning™
One-Time, Personalized Financial Planning
A comprehensive plan covering retirement, taxes, insurance, estate planning, and the decisions in between, wherever your investments are held. A good fit if you manage your own investments, rely mainly on a workplace retirement plan, or work with another investment manager.
- A comprehensive, personalized financial plan
- Clear, actionable recommendations
- Your investments stay where they are
Wealth Management uses an ongoing asset-based fee, with financial planning included. SMART Planning™ is a one-time planning fee. View our fees for details.
the client experience
What You Can Expect Working With Us
Whichever relationship you choose, here’s what you can expect.
An Advisor Who Knows You
Work directly with an experienced advisor who knows your circumstances and goals, so you're not starting over each time. When something comes up between meetings, you can reach out and get help thinking it through.
Meetings That Fit Your Life
Your finances shouldn't compete with your work and family. We offer early morning, evening, and weekend appointments by request, at our Toledo office or virtually, so getting good advice doesn't have to wait for a day off.
Tax Planning That Looks Ahead
Tax decisions shouldn't begin and end with your annual return. We consider how choices involving income, investments, retirement, and gifts may affect your taxes, helping you recognize planning opportunities before important decisions and deadlines.
Your Professionals, on the Same Page
Big decisions often involve your CPA, attorney, and insurance agent. We help bring those conversations together so everyone works from the same information, and you're not the one relaying details between them.
Support Through Life's Transitions
A new job, a growing family, divorce, the loss of a loved one, or retirement can affect nearly every part of your finances at once. We help you sort out what needs attention now, what can wait, and what should stay the same.
Your Financial Life, Organized
Every client receives access to a Secure Planning Vault that keeps important documents in one place and makes sharing information with us easy. You can also give trusted family members access, so if something happens, they'll know where to find what they need.
Let's Start With What Matters to You
Whether you’re preparing for retirement, weighing a major decision, or ready for a planner who knows your whole picture, a conversation is a good place to start. In a complimentary first meeting, at our Toledo office or virtually, we’ll learn about your situation, answer your questions, and help you decide which relationship, if either, is the right fit.