Marc Ruiz

I’ve never been drawn to investing in China. As early as 2005, I remember attending investment conferences where speakers would flash the stats about the emerging Chinese economic phenomena on screen. Population size, growth rates, urbanization...

October is national cyber security month. What does it say about our modern world that we even have to have such a thing? Cyber security, however, is a really big deal. While contemplating the full potential of the risks we all accept by being active...

Last Christmas my parents bought my wife and I tickets to the musical “Hamilton” in Chicago. The tickets were definitely a splurge I would have had a hard time splurging on. But thanks to Mom, ever hopeful to instill some culture in her...

I love my truck. I mean I really love it, in kind of like a boy and his dog kind of love. So, I was completely devasted the other night when I came out of a meeting at church at 8:30, went to start my truck and was greeted with a huge yellow wrench...

I’ve spent the last five of seven work days, and half a Sunday, at investment and economic conferences. Two days in Chicago, three days in San Diego. Learning is hard work, I’m exhausted. It’s pretty easy to see the topic on the mind of the...

As a financial adviser, one thing that is a constant is the need for continuing education and training. A typical financial adviser may be registered with the Financial Industry Regulatory Authority (FINRA), hold an insurance license, and maintain a...

In late September of last year, fears of a recession and widely predicted declines in corporate profits dominated the financial press. As could be expected, investor sentiment soon followed suit and U.S. stocks went into steep declines. A review of...

April is National Financial Literacy month so we are going back to financial planning basics. Last week we discussed the first two steps in the process toward financial independence used by many financial advisers, and promoted by financial media...

April is national financial literacy month. A topic near and dear to my heart. If I had to give America a financial literacy grade I would say we have a solid C+, but I believe we are trending higher. The very fact we have a high-profile financial...

With April 15 fast approaching, we are getting down to the wire on taking steps to potentially reduce your tax bill. As I mentioned in the column a couple of weeks ago, almost immediately following the Tax Reform and Jobs Act of 2017, the government...