Why Choose a Fee-Only
Financial Advisor in Toledo
Advice Should Fit the Life You’ve Built
Founder-Led Team-Supported
You work directly with a CFP® and CPWA® professional who takes the time to understand your full picture before making recommendations.
fiduciary standard
As a fee-only fiduciary, we are legally obligated to act in your best interest. We are compensated only by you, never by commissions or product sales.
Coordinated Planning
Wealth management, tax strategy, and the major decisions in your life are coordinated so every piece works together. Not managed in silos.
Independent · Fee-Only · Fiduciary
Here’s how that shows up in the advice you receive.
Group
Advice that puts your interests first, not commissions, referral fees, or product-sales incentives.
We start with risk management by identifying what could threaten your finances, health, or business, and helping you decide which risks to accept and which to transfer.
Retirement Readiness Score™: A guided assessment that shows where you stand today and what deserves attention next.
SMART Planning™: A structured process that connects your goals, lifestyle, and finances into one coordinated plan. That process helps you:
- Build strategies around your goals that seek to minimize the effect of taxes over your lifetime.
- Invest based on research, not guesswork, with access to professional money managers and portfolio strategies built for your tax situation.
- Make sure your family, giving, and legacy goals are part of the plan, not an afterthought.
- Coordinate your retirement income so you can maintain the lifestyle you've built.
- Build a budget and debt plan that fits where you are now, not a generic template.
- Access to alternative investments for qualified investors.
- Coordinate directly with your CPA and attorney so your plan, taxes, and legal documents actually work together.
Clear explanations: you understand what we recommend, why we recommend it, and what tradeoffs exist.
Proactive communication: you always know where things stand and what happens next.
Transparent fees: you know what you pay and how we're paid.
Other advisors may provide some or all of these. We encourage you to ask yours.
We believe in upfront, clearly disclosed fees. See our straightforward fee structure.
The Story Behind Ruiz Financial Group
Anthony Ruiz, CFP®, CPWA®, MBA
Founder & Principal Wealth Strategist
In my forties, a Stage 3 colorectal cancer diagnosis forced me to rethink everything I believed about my own health and time. What carried me through was not only medical expertise. It was the human side of care. The phlebotomist who remembered my children’s names. The nurses who helped me navigate sign-in terminals before radiology appointments. The specialists who checked in on their days off to see how I was doing.
I also experienced the difference between care that was technically sound and care that gave me hope. Both came from skilled professionals. One treated the diagnosis. The other treated me. And that contrast changed how I think about this work.
In the middle of all of it, I made a promise that if I survived, I would find a meaningful way to pay it forward. Ruiz Financial Group is that promise kept.
We exist to serve people who have worked hard, built something worth protecting, and deserve advice that is genuinely tailored to them. Not a template. Not a product. A real plan, built around your life, your goals, and the future you have worked decades to earn. Because when you have faced uncertainty yourself, you understand what matters when the stakes are high.
Our Philosophy Is Built Around You
Going through cancer changed how I approach this work, and more than anything, it changed how I listen to clients. Before we get into strategies, allocations, or accounts, we take the time to understand you first: your life stage, your goals, your family, and what is actually going on in your life right now. We’ve found that the things that matter most rarely show up on your statements. They come out in conversation, when someone takes the time to ask. That’s the standard we built our firm around.
From there, every recommendation is built around your situation, not pulled from a template. We follow a structured process, but the process is built to fit you, not the other way around. The plan should fit your life. Your life should not have to bend to fit the plan.
We also coordinate directly with your CPA and attorney so your financial plan, tax strategy, and legal documents work together, not in silos. And we are transparent in everything we do, from how we are paid to how we explain our reasoning. You deserve to understand exactly what is being done with your money and why.
Learn more about how we apply this philosophy in practice at Our Approach →
Meet Ruiz Financial Group
Ruiz Financial Group is a small, dedicated team. The same people who answer your first phone call are the ones who sit with you at your annual review. We know your name, your situation, and what matters most to you. Every interaction reflects that.
We serve successful professionals whose financial lives have grown increasingly complex and who have built something worth protecting.
Leads your financial planning, investment strategy, and ongoing advice.
Oversees firm operations, growth, and the systems that support your client experience.
Lucky Luv
Chief Cuddle Officer
Responsible for morale, stress reduction, and unconditional office support.
How We Work Together
Step one
Start a Conversation
In person, virtually, or by phone
We’ll start with what prompted you to reach out, what’s on your mind, and what you’d like help thinking through. There’s nothing you need to prepare and no decision you need to make. If it makes sense to continue, we’ll decide together what the next step should be.
Step two
Explore What Makes Sense
Take a deeper look at your situation
If another conversation would be useful, we’ll take a deeper look at your financial picture, priorities, and the decisions in front of you. We’ll identify what deserves attention, how the pieces connect, and what working together could look like. You’ll leave with a clearer understanding of the next step, without pressure to move forward.
step three
Build Your Plan
Build your plan and put it into action
Once you decide to move forward, we’ll gather the information we need and begin building your SMART Plan™ around your priorities and financial life. Our team will guide you through the process, coordinate the details, and help turn the decisions we’ve discussed into an ongoing plan.
Schedule an Introductory Call →