Ruiz Financial Group, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Ruiz Financial Group is a state-registered, fee-only investment adviser that provides tailored financial planning and portfolio management to individuals, high-net-worth families, trusts, estates, small businesses, and retirement plan sponsors. The firm’s planning services are offered at multiple service levels and its advisory services include both individual portfolio management and retirement plan consulting.
The firm provides ongoing discretionary portfolio management and may implement strategic asset allocation, rebalancing, tax-aware approaches, and access to third‑party managers or separately managed account strategies; it conducts due diligence and ongoing oversight of any sub‑advisers it recommends and does not retain a portion of sub‑adviser fees. Financial planning engagements can be structured as one‑time fixed projects, ongoing/subscription relationships, or hourly consultations, and the firm states it acts as a fiduciary when providing investment and retirement advice.
What is distinctive about the firm relative to peers is its explicit retirement plan consulting capacity — including both 3(21) co‑fiduciary and 3(38) discretionary plan management options — combined with offering individual portfolio management and multiple fee formats (fixed, hourly, and subscription), and a formal process for selecting and supervising other advisers. The brochure also notes the firm is fee‑only, discloses conflicts and oversight policies, and does not serve as a private fund adviser, which is an uncommon profile among firms in this category.
Client services
Expertise
Occupation focus
Fee options
One-time or project-based financial planning fees ranging from $1,000 to $20,000.
$0 - $1,000,000: 1.10% $1,000,000.01 - $2,000,000: 0.90% $2,000,000.01 - $5,000,000: 0.70% $5,000,000.01+: 0.50%
Up to $500 per hour for services outside standard engagements.
Ongoing financial planning service levels ranging from $250 to $750 per month.
Minimum fee: Minimum annual advisory fee of $5,000 applies only to retirement plan services; it may be waived or negotiated. Fee-only: Firm is a fee-only investment adviser with fees paid by clients only as described.
Main office
2718 Centennial Road
Toledo OH 43617
Advisors at this office
1
Most active in
Ohio
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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