Financial Advisor Fees in Toledo
Transparent Pricing for Financial Planning
and Investment Management
WHAT WILL I ACTUALLY PAY ?
Our advisory fee schedule is disclosed upfront, so you can understand how we are compensated before deciding to work with us. We do not receive commissions from product sales.
WHY DOES HOW WE'RE PAID MATTER ?
Because we are fee-only, our compensation is not tied to product sales or referrals. Recommendations are based on your goals and financial situation.
IS THIS RIGHT FOR MY SITUATION ?
Planning fees reflect the scope and complexity of your needs. Investment management fees are based on assets we manage. When combined, you pay whichever ongoing fee is greater, not both.
Transparency Should Start Before the First Meeting
We are paid to help people make better financial decisions. We believe prospective clients should understand how we are compensated before scheduling a meeting. As an independent, fee-only fiduciary firm, our compensation comes directly from our clients rather than commissions or product sales.
Comparing financial advisor fees in Toledo should not require an introductory call. We publish our pricing so you can see what you may pay, what is included, and how fees may change as your needs or assets change before deciding whether to work with us.
Three Ways to Work with Us
Wealth Management brings SMART Planning™ and SMART Investing™ together in one coordinated advisory relationship. Each service is also available independently when a more focused approach is appropriate.
Wealth Management
SMART Planning™ + SMART Investing™
Wealth Management brings SMART Planning™ and SMART Investing™ together in one coordinated relationship, connecting your financial plan with the way your investments are managed.
Learn about
Wealth Management
SMART Planning™
Your Comprehensive Financial Roadmap
SMART Planning™ is our structured process for coordinating the financial
decisions that matter most so your investments, taxes, retirement, and
legacy planning work together.
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SMART Planning™
SMART Investing™
Disciplined Portfolio Management
SMART Investing™ is our disciplined investment process designed to help
manage risk and keep your portfolio aligned with your long-term goals.
Learn about
SMART Investing™
Wealth Management
Comprehensive Financial Planning + Investment Management
Wealth Management combines SMART Planning™ and SMART Investing™ in one coordinated advisory relationship.
An Initial Financial Planning Fee applies when we establish your planning relationship. After that, you pay one ongoing fee: either the SMART Planning™ fee or the asset-based investment management fee, whichever is greater. We do not add the two together.
For clients with $1 million or more managed by Ruiz Financial Group, SMART Planning™ is included at no additional ongoing charge.
How Wealth Management Fees Work
The two ongoing fees are not added together.
SMART Planning™
Financial Planning Fee Schedule
SMART Planning™ may be used on its own or as part of a Wealth Management relationship. The fees below apply when SMART Planning™ is used independently. Wealth Management clients follow the combined fee structure described above.
We offer three levels of ongoing financial planning, each designed for a different degree of financial complexity and support.
Foundations provides focused guidance and a prioritized financial roadmap. Growth adds comprehensive analysis, scenario modeling, and ongoing refinement, while Legacy provides advanced coordination across complex personal, business, tax, and estate-planning needs.
During your initial consultation, we’ll review your circumstances and help determine which level of service is the best fit.
| Planning Feature | Foundations Building Your Financial Base Standalone: $250/month $1,500 initial planning fee | Growth Expanding Your Financial Strategy Standalone: $500/month $3,000 initial planning fee | Legacy Optimizing Your Financial Life Standalone: $750/month $4,500 initial planning fee |
|---|---|---|---|
| Best Suited For | Professionals building a financial foundation, organizing cash flow and debt, or creating their first coordinated financial plan. | Households with growing assets and financial complexity, often 8–15 years from retirement. | Business owners and high-net-worth professionals with complex or multi-entity needs, often 2–8 years from retirement. |
| Planning Scope | Focused review across the core areas of your financial life, with prioritized recommendations and an actionable financial roadmap. | Comprehensive financial planning with detailed analysis, scenario modeling, implementation support, and ongoing refinement. | Advanced, integrated planning across personal finances, business interests, taxes, estate planning, insurance, and retirement-income strategy. |
| Planned Review Meetings | 2 per year | Quarterly — 4 per year | Approximately 6 per year, with additional meetings as needed. |
| Cash Flow & Debt | Budgeting, cash-flow planning, and debt-repayment strategy. | Detailed cash-flow and debt planning, with ongoing adjustments as circumstances change. | Integrated personal and business cash-flow planning and advanced debt-management strategies. |
| Retirement Planning | Retirement contribution strategy and goal projection. | Detailed retirement projections and scenario modeling. | Retirement-income distribution strategy and Social Security optimization. |
| Tax Planning | Foundational tax review to identify key considerations and planning opportunities. | Detailed tax planning and optimization strategies. | Tax planning and optimization strategies across personal and business finances. |
| Insurance & Benefits | Employer-benefit optimization and foundational insurance-needs analysis. | Insurance optimization, annual coverage review, and long-term care planning. | Advanced insurance, benefits, and long-term care planning and coordination. |
| Estate Planning | Foundational estate review, including beneficiary designations, account titling, and identification of essential estate documents. | Estate planning review and coordination with your estate attorney. | Advanced and multi-generational estate planning coordination. |
| Education & Student Loan Planning | Student loan repayment planning and foundational education-funding guidance. | Student loan optimization and education-funding strategies. | Advanced education-funding, gifting, and student loan strategies when applicable. |
| Business & Compensation Planning | Addressed when relevant to the planning engagement. | Integrated into the comprehensive financial plan when relevant. | Business cash-flow, exit and succession, equity-compensation, and deferred-compensation planning. |
| Access & Coordination | Ongoing email and messaging access. | Unlimited messaging access and priority scheduling. | Unlimited messaging, priority evening and weekend scheduling, and coordination with your CPA, attorney, and other advisors. |
| Secure Financial Vault | Included | Included | Included |
| Initial Financial Planning Fee | $1,500 | $3,000 | $4,500 |
| Standalone Ongoing Planning Fee | $250/month | $500/month | $750/month |
Professionals building a financial foundation, organizing cash flow and debt, or creating their first coordinated financial plan.
Focused review across the core areas of your financial life, with prioritized recommendations and an actionable financial roadmap.
2 per year
Budgeting, cash-flow planning, and debt-repayment strategy.
Retirement contribution strategy and goal projection.
Foundational tax review to identify key considerations and planning opportunities.
Employer-benefit optimization and foundational insurance-needs analysis.
Foundational estate review, including beneficiary designations, account titling, and identification of essential estate documents.
Student loan repayment planning and foundational education-funding guidance.
Addressed when relevant to the planning engagement.
Ongoing email and messaging access.
Included
Households with growing assets and financial complexity, often 8–15 years from retirement.
Comprehensive financial planning with detailed analysis, scenario modeling, implementation support, and ongoing refinement.
Quarterly — 4 per year
Detailed cash-flow and debt planning, with ongoing adjustments as circumstances change.
Detailed retirement projections and scenario modeling.
Detailed tax planning and optimization strategies.
Insurance optimization, annual coverage review, and long-term care planning.
Estate planning review and coordination with your estate attorney.
Student loan optimization and education-funding strategies.
Integrated into the comprehensive financial plan when relevant.
Unlimited messaging access and priority scheduling.
Included
Business owners and high-net-worth professionals with complex or multi-entity needs, often 2–8 years from retirement.
Advanced, integrated planning across personal finances, business interests, taxes, estate planning, insurance, and retirement-income strategy.
Approximately 6 per year, with additional meetings as needed.
Integrated personal and business cash-flow planning and advanced debt-management strategies.
Retirement-income distribution strategy and Social Security optimization.
Tax planning and optimization strategies across personal and business finances.
Advanced insurance, benefits, and long-term care planning and coordination.
Advanced and multi-generational estate planning coordination.
Advanced education-funding, gifting, and student loan strategies when applicable.
Business cash-flow, exit and succession, equity-compensation, and deferred-compensation planning.
Unlimited messaging, priority evening and weekend scheduling, and coordination with your CPA, attorney, and other advisors.
Included
Fees shown reflect typical engagements. Final fees may vary based on the scope and complexity of the services requested and are confirmed in writing before the engagement begins.
SMART Investing™
Investment Management Fee Schedule
SMART Investing™ may be used independently or as part of a Wealth Management relationship. The same asset-based fee schedule applies in either case. When combined with SMART Planning™, the Wealth Management fee structure described above determines the client’s total ongoing fee.
Our investment management fee schedule begins at 1.10% annually on the first $1 million and declines by asset tier, reaching 0.50% on assets over $5 million.
Fees are outlined in our Form ADV Part 2A. Please refer to your advisory agreement for complete terms.
Additional Planning for Existing Clients
For SMART Investing™ Clients
If you are not enrolled in SMART Planning™, you may occasionally request financial planning assistance for a specific need or decision. When appropriate, we may provide this work on a project basis, with the scope and fee agreed upon in advance.
For SMART Planning™ Clients
Most planning needs are included within your selected service level. Work that falls materially outside the agreed scope, such as specialized due diligence on an outside private investment, may involve an additional fee discussed in advance.
Project-based planning is available only to existing Ruiz Financial Group clients, including Wealth Management clients when work falls materially outside the agreed planning scope. It is not offered as a standalone service to the general public.