Anthony Ruiz, CFP®, CPWA®, MBA

Founder & lead wealth advisor

I’ve lived most of my life in Northwest Ohio and Southeast Michigan—raised in Toledo, educated locally at St. Joan of Arc and St. Francis de Sales, and earning my MBA in Finance from the University of Toledo. My wife Jennifer and I raised our two sons in Holland, Ohio, in this community I deeply care about.

My connection to healthcare is both personal and ongoing. Diagnosed with stage-3 colorectal cancer, I received treatment at both The Toledo Hospital and The University of Michigan Hospitals in Ann Arbor—both institutions that still help oversee my care. That experience taught me how vital resilience, planning, and trust are—principles that inform not just my personal life, but how I work with clients.

During graduate school, I served as President of UT’s Student Managed Portfolio. Managing real money in actual market conditions showed me that success is less about reacting to every market swing and more about staying rooted in sound principles, keeping perspective, and staying the course.

Over nearly two decades in financial services—from retail banking to Private Banking under fiduciary oversight—I saw many talented people with complex financial lives being offered one-size-fits-all solutions. From that concern came the founding of Ruiz Financial Group, an independent Registered Investment Advisor. I developed our SMART Planning™ and SMART Investing™ frameworks to help align strategy with individual needs, backed by disciplined structure and long-term thinking.

My focus is on serving healthcare professionals. Because of my own journey, I understand many of the unique financial challenges you may face: complex compensation structures, student loans, practice transitions, and balancing your professional calling with planning for the future. I’ve had the privilege of working with healthcare professionals throughout Northwest Ohio and Southeast Michigan—giving me insight into challenges you face every day. 

I hold the CFP® (Certified Financial Planner) and CPWA® (Certified Private Wealth Advisor) designations, each reflecting rigorous training, ongoing education, and commitment to ethical and comprehensive financial advice. These credentials, combined with my fiduciary duty, guide how I approach each client relationship.

At Ruiz Financial Group, our mission is straightforward: to provide healthcare professionals with independent, professional guidance—free from product quotas, corporate pressures, or cookie-cutter strategies. As a family-led office, our team works to design financial plans that are thoughtful, individualized, and grounded in your life goals and values.

When I’m not working, I’m playing guitar (yes, still), enjoying family time, walking our beloved Lucky Luv (our Chief Cuddle Officer and proud Coton de Tulear), or taking nearby day trips around Michigan and Ohio—especially areas with water. I love cheering on the Toledo Walleye and keeping up with the Detroit Red Wings. These are the things that recharge me so I can bring my best to my clients.

If you’re a healthcare professional looking for financial planning shaped by your experiences, responsibilities, and aspirations, I’d welcome getting to know you. Your financial health deserves the same level of care and expertise you provide to others.