why us
A Fee-Only Fiduciary Financial Advisor in Toledo, Ohio
You may have an investment portfolio. But do you have a plan that connects it to your retirement income, your taxes, and the legacy you want to leave? We help you make each decision with the full picture in view.
PERSONAL BY DESIGN
You work directly with a CFP® and CPWA® professional with more than 12 years of financial services experience. We take time to understand the person behind the numbers before developing your plan or recommending a course of action.
INDEPENDENT BY CHOICE
Being independent allows us to choose the planning technology, resources, and investment solutions we believe best serve you, rather than being limited by a parent company’s platform or product offerings.
fee-only & fiduciary
As fiduciaries, we’re legally obligated to act in your best interest. Our advice isn’t driven by product-sales commissions or referral fees because we don’t receive them. We’re also a NAPFA member.
What Boutique Looks Like for You
Being boutique means being deliberate about the resources we use, how we deliver advice, and how well we know the people we’re advising.
A More Deliberate Approach
A financial plan's success shouldn't be measured by investment returns alone. It should also reflect whether you can retire when you want, live the way you intended, and adapt when life changes course.
We start with your decisions, not financial products. When to retire. How to draw income. Whether to convert, pay down debt, or protect what you've built. Your investments, taxes, insurance, and estate considerations are evaluated together because decisions in one area can affect the others.
Then we test it. We compare alternatives, model what could happen if markets disappoint or circumstances change, and explain the tradeoffs before you make important financial decisions.
As a family-owned, founder-led firm, you'll work directly with the advisor responsible for your financial plan, with a team that knows your circumstances and helps keep the details coordinated as your life evolves.
The result is advice you can understand, question, and act on.
Your Finances, Coordinated
Your investments, taxes, retirement, estate planning, and insurance decisions are connected. We evaluate how decisions in one area affect the others and coordinate with your other professionals when appropriate, so your financial plan works as one strategy rather than a collection of disconnected recommendations.
Advice You Can Understand
You shouldn't need to become a financial expert to make informed decisions. We explain your options, our recommendations, and the tradeoffs involved, so you understand what we're recommending, why it matters, and how it supports your financial goals.
Independent Custody
Your investment accounts are held in your name with Charles Schwab, an independent third-party custodian. You retain access to your accounts and statements while we provide financial advice and investment management. Your assets remain separate from our firm.
Transparent and Proactive
You should know what you're paying, what we're working on, and what comes next. We communicate clearly about your plan, keep you informed as circumstances change, and bring important decisions to your attention rather than waiting for you to ask.
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.
That experience shaped the kind of firm I wanted Ruiz Financial Group to be. We exist to serve people who have worked hard and built something worth protecting, but we begin by understanding the person behind the financial picture. Your circumstances, priorities, family, experiences, and goals are uniquely yours. Your financial advice should be too. Because when you have faced uncertainty yourself, you understand just how much it matters to feel known, understood, and cared for when the decisions are important.
Meet Ruiz Financial Group
Ruiz Financial Group is a boutique, founder-led firm built around personal relationships. The same people who answer your first phone call are the ones who will still know your name, your situation, and what matters most to you as we work together. We believe that continuity matters because better advice begins with truly knowing the people you serve.
We work with people approaching retirement, healthcare professionals, business owners, and others whose financial lives have become more complex and whose decisions deserve more than a one-size-fits-all approach. Whatever brought you to us, our goal is the same: to understand what matters to you and help you make thoughtful financial decisions with confidence.
Works directly with clients to lead their financial planning, investment strategy, and ongoing advice.
Helps ensure the details behind each client relationship are handled thoughtfully, consistently, and with care.
Lucky Luv
Chief Cuddle Officer
Responsible for morale, stress reduction, and unconditional office support.
Let's Talk About What's Next
You don’t need to have everything figured out before reaching out. Start with a conversation about where you are, what’s on your mind, and what you want your financial life to make possible. We’ll help you understand what deserves attention and whether working together makes sense.
Based in Toledo, we work with clients across Northwest Ohio and beyond.