Marc Ruiz

After my son Ethan was born with Down syndrome, I began to integrate financial planning for families with special needs individuals into my practice at Oak Partners. Over the past 11 years, I have continued to gain more and more experience with this...

With stocks marching back toward levels seen at the beginning of the year, investment statements are looking much less unsettling than they were a few weeks ago. While investors I talk to are reassured by the recovery in stocks, they are also at the...

I didn’t think we would ever get there, and while the concept fills me with curiosity, I am also quite anxious about the idea of negative interest rates in the U.S. Nevertheless, this week President Trump referred to negative interest rates as a...

I am answering the same question a couple times every day now, “Marc, with the economy shut down and everyone locked down at home, how can the stock market be going up?” It is a great question, and I wish I had the entire answer. To be candid, I...

Who doesn’t remember the “just wait till your father comes home” line? I know I do. As a hyperactive 10-year-old, I was always committing some egregious mischief. Our poor, exasperated mom would use the line to instill dread, and instill dread...

Ask me a week ago, and I would have said it would be hard for the world to get any stranger than it has been over the past two months. But Monday morning, the world once again went deeper into the rabbit hole when headlines blaring “Oil Prices Turn...

Many professional career activities involve a large component of uncontrollable output or results. A teacher can design the best lesson plans and provide the most engaging educational experience, but she can’t control whether her student got a good...

The US Congress has been working at a record pace over the past few weeks to deliver an unprecedented level of financial relief to Americans being impacted by the COVID-19 crisis, which for all practical purposes, is all of us in Northwest...

In my youth I was a radical libertarian, but barring a situation like the world of the Hunger Games, a radical libertarian is a bit of an oxymoron, as we libertarians will just assume skip the revolution and mostly want to be left alone. After...

In June of 2019 the Securities and Exchange Commission established a sweeping new standard of conduct for firms providing investment services and advice. These new rules, called REG B-I, are phasing in now and are required to be completely integrated...