Marc Ruiz

I serve my clients as their fiduciary. Serving in that capacity requires me to identify, manage and mitigate situations where my firm’s business practices may conflict with the best interests of my clients. In situations where sufficient mitigation...

My oldest daughter was married about five years ago. Like all brides, she put thousands of hours into her wedding plans, including creating a 19-page instruction manual complete by listing the time I was supposed to be in bed the night before the...

I’ve been getting daily questions lately about I-Bonds. The current economic environment has obviously thrown these financial products into the forefront. First, while it seems like consulting with a banker or financial adviser to learn about these...

We’ve had an interesting couple weeks in the world of finance and economics. Based on recent news and headlines, it’s clear to me at this point that finance itself is being used in radical new ways, some of them embraced and accepted, some of...

Cable news has become all Ukraine, all the time. I know the topic is onerous, but I am getting enough questions every day that I felt I should address the crisis in the column. It's important to remember, this is a finance and investing column. While...

It’s always been fascinating to me to work in an industry which is so heavily advertised on TV. Maybe I’m biased by my own attention span, but it seems to me that during a typical three-hour televised football game the viewer is subjected to no...

My freshman son at IU has to take trips home or to Indianapolis three times in the next month or so for family obligations, so after he came home last weekend, I suggested he get an IU parking pass and take “his” car back to school until at least...

I encourage readers to visit the website usdebtclock.org. The site itself is beautiful, with multi-colored numbers all moving at once as compound interest affects the nation’s financial condition, and the bigger the monitor, the more...

We recently helped a family with a planning situation in our practice that may serve as a good educational tool for other families. I’ve changed the details of this case, but the fundamentals provide the insight. A long-time married couple had...

2022 here we come. I say welcome to the age of uncertainty, and welcome to the consequence of unintended consequences. I think it would be hard to find those among us that wistfully yearn for the days of 2020 and 2021. If you are anything like me,...