Carlos Ruiz (CFP®)

Carlos Ruiz focuses in the
following client markets or areas of practice:

  • College/Education Planning
  • Financial Psychology/Coaching
  • Generation X
  • Investment Advice with Ongoing Management
  • Millennials
  • Tax Planning

Planning Specialties

As a financial planner, my goal is to make a lasting impact on the lives of my clients. Years ago—as I was still trying to find my place in the world—I took a job at a bank, and became an expert at selling customers every product they didn’t need. After years of playing the sales game, I realized that I wanted to give REAL financial advice, without the pressure of sales quotas or conflicts of interest. 

Today, I dive deep into the issues that really matter. I also made the important decision to join the National Association of Personal Financial Advisors. NAPFA advisors take a fiduciary oath to always put their clients’ needs first, and we back up that oath by promising to never accept commissions that may influence the advice we give or the recommendations we make.

The Bible teaches us to be stewards of our money, which is why it’s important for me to share the tools needed to succeed financially. I have hosted several conferences on financial literacy, and always enjoy discussing topics such as cash flow management, long-term investing and staying out of debt. I absolutely love what I do, and do not take it lightly.

Additional Information

Our Financial Planning Centers are conveniently located to serve residents of central and northern New Jersey. Our Bridgewater planning center serves residents of Somerset, Union, Middlesex, and Hunterdon Counties. Our Mount Olive (Flanders) planning center serves residents of Warren, Morris, Somerset, and Sussex counties. We can also meet with clients at Regus meeting centers in Roseland, NJ or Princeton, NJ when that is most convenient.   

NAPFA Start Date

February 05, 2020


This Office

230 US Highway 206 Bldg 3 Flanders, NJ 07836-9189 Phone: (866) 635-8518

Other Offices

1200 US Highway 22 Suite 2000 Bridgewater, NJ 08807-2943 Phone: (866) 635-8518