Financial Planning for Your Career, Business, and Retirement in Toledo
Healthcare professionals · People approaching or living in retirement · Business Owners
WHEREVER YOU ARE IN YOUR CAREER
Whether you are building wealth in your peak earning years or preparing to draw income in retirement, your plan needs to reflect where you are right now.
your time has a higher purpose
Managing your finances takes time you may not have. We handle the moving parts so you can focus on what matters most to you.
ONE STRATEGY, NOT SEPARATE BUCKETS
Taxes, investments, and financial decisions rarely exist in isolation. We coordinate the moving parts into one integrated strategy built around your life.
What We Help You Coordinate
Before discussing strategies or recommendations, we start by understanding your situation, your goals, your timeline, and the financial decisions that are keeping you up at night.
The people we work with come from different professions and stages of life, but they share something in common: they want their financial decisions coordinated into one strategy that supports the life they are building.
Our clients are often in their peak earning years, approaching retirement, or already retired. They have built careers, businesses, and families that bring both opportunity and complexity. While our roots are firmly planted in Northwest Ohio and Southeast Michigan, we also work with clients who prefer the convenience of virtual meetings and similar tools.
healthcare professionals
Your Challenges: Managing significant student loan debt alongside delayed earning years. Navigating complex and variable compensation structures. Balancing the demands of a clinical career with long-term wealth building. Making high-stakes financial decisions with limited time to research them.
How We Help: Financial planning built around the realities of a clinical career. We help you navigate student loans, evaluate practice and partnership opportunities, coordinate tax and investment decisions, and build long-term wealth in a way that respects the demands on your time and attention.
professionals approaching retirement
Your Challenges: Not knowing if your savings will last through retirement. Uncertainty around the right time to claim Social Security. Managing taxes on withdrawals across multiple accounts. Transitioning from saving to generating reliable income.
How We Help: Financial planning designed for the decisions that shape retirement. We help you understand whether you have enough, create a reliable retirement income strategy, coordinate Social Security and healthcare decisions, and align your investments and taxes into one plan built around the life you want to live.
business owners
Your Challenges: Building personal wealth while reinvesting in your business. Planning for an eventual exit or succession without a clear roadmap. Managing complex tax situations across business and personal income. Knowing when and how to transition from business owner to retiree.
How We Help: Financial planning designed around the realities of business ownership. We help you build personal wealth outside the business, navigate complex tax and succession decisions, coordinate your business and personal finances into one strategy, and prepare for the transition from business owner to retirement on your terms.
Why Families Choose Ruiz Financial Group
Our Family Serving Yours
Ruiz Financial Group is a family-run practice built around genuine relationships. Jennifer and Anthony work together so that every client feels known, not just managed.
Experience That Brings Perspective
Before founding RFG, Anthony worked across banking, lending, institutional advisory, retail wealth management, and private banking, building a depth and range of perspective that few advisors develop over an entire career.
Your Lifestyle Is the Benchmark
We measure success differently. Not against an index or a peer group, but against the life you want to live. Every recommendation we make starts with a simple question: does this get you closer to the lifestyle you are building toward?