Anthony Ruiz (CFP®, CPWA®, MBA)
Anthony Ruiz focuses in the
following client markets or areas of practice:
- Business Owners
- Medical Professionals
- Retirement Plan Investment Advice
- Tax Planning
- Business Owners
- Medical Professionals
- Retirement Plan Investment Advice
- Tax Planning
Planning Specialties
Ruiz Financial Group serves three primary audiences: individuals and families approaching retirement, healthcare professionals (physicians, dentists, and their families), and business owners navigating complex financial transitions.
The firm’s planning process is built around SMART Planning™ — a structured, five-area framework covering Risk Management, Financial Planning, Investment and Tax Strategy, Career and Life Transitions, and Legacy and Ongoing Planning. Rather than treating these as isolated topics, Tony integrates them into a single, coordinated strategy tailored to each client’s goals and timeline.
For those approaching retirement, planning centers on income replacement, tax efficiency, Social Security timing, healthcare cost management, and ensuring assets are aligned with how clients actually want to live in their next chapter.
For healthcare professionals, the firm addresses the distinct financial realities of the profession: late career starts, significant student loan burdens, practice ownership decisions, disability income needs, and the challenge of building long-term wealth inside a demanding career.
Fee-only compensation means no commissions, no product sales, no conflicts of interest — clients pay only for objective advice delivered in their best interest, always.
All financial planning engagements begin with the firm’s Retirement Readiness Score assessment, which helps identify gaps and priorities across all five planning areas.
Additional Information
Anthony (Tony) Ruiz, CFP®, CPWA®, MBA, is the founder and principal of Ruiz Financial Group LLC, an independent, fee-only fiduciary RIA based in Northwest Ohio, serving clients across the Toledo metro area and into Southeast Michigan.
Tony holds both the CFP® and CPWA® designations and is a proud member of NAPFA. He earned his MBA from the University of Toledo, where he also served as president of the student-managed investment fund — an experience that shaped a lifelong commitment to disciplined, process-driven financial planning.
His personal connection to the medical community runs deep. Following colorectal cancer surgery and treatment at Toledo Hospital and the University of Michigan, Tony developed a firsthand understanding of the financial pressures healthcare professionals and their families face — and built his practice around serving them with the same dedication their teams bring to patient care.
Outside the office, Tony plays guitar, follows hockey, and enjoys life at home with his wife Jennifer and their Coton de Tulear, Lucky Luv (Chief Cuddle Officer).
You can connect with Tony on LinkedIn or learn more at ruizfinancialgroup.com.
NAPFA Start Date
June 08, 2026
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