Ruiz Financial Group is an independent, fee-only fiduciary financial advisory firm based in Toledo, Ohio. The family-run firm serves healthcare professionals, business owners, and people approaching or living in retirement, including clients near Toledo and Ann Arbor and those working with the team remotely. Its advice is designed for people whose financial lives have become too complex for generic guidance.

The firm provides financial planning, wealth management, and investment management, coordinating these services around each client’s goals. Its planning addresses retirement readiness, income and withdrawal strategies, Social Security timing, taxes, investment strategy, risk management, insurance considerations, workplace benefits, pensions, and legacy planning. Healthcare professionals can receive guidance on practice ownership, partnerships, and career transitions through the firm’s Medicine for Your Money™ approach. Business owners can coordinate personal and business plans while considering the financial risks and possibilities of a sale.

Ruiz Financial Group says clients pay the firm directly; it does not sell financial products or receive commissions or referral fees.