Ruiz Financial Group LLC
Ruiz Financial Group LLC is an independent, fee-only fiduciary wealth management firm registered in Ohio and serving clients across Northwest Ohio and Southeast Michigan. The firm was founded to fill a genuine gap in the region — comprehensive, objective financial planning delivered without commissions, product sales, or conflicts of interest.
The firm focuses on three audiences: individuals and families approaching retirement, healthcare professionals (physicians, dentists, and their families), and business owners navigating complex financial decisions. Clients receive coordinated planning across five areas: Risk Management, Financial Planning, Investment and Tax Strategy, Career and Life Transitions, and Legacy and Ongoing Planning — delivered through the firm’s proprietary SMART Planning™ process.
All client accounts are held at Charles Schwab, one of the nation’s largest independent custodians. Ruiz Financial Group charges transparent fees and never accepts commissions, referral fees, or compensation from third parties. As a NAPFA member firm, the firm operates under a fiduciary standard — always.
New clients begin with a complimentary Retirement Readiness Score assessment, which identifies planning gaps and priorities across all five areas before any engagement begins.
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