Marc Ruiz

The Tax Cuts and Jobs Act, otherwise known as the Republican tax plan was approved by Congress and the Senate this week. It always shocking to me just how much political hysteria surrounds any discussion on federal income taxes. Unfortunately, the...

Iconic investor John Templeton once famously said, “Bull markets are born on pessimism, grown on skepticism, mature on optimism, and die on euphoria." Last week, we talked about pessimism, skepticism and optimism; this week, let’s talk about...

Iconic investor John Templeton once famously said, "Bull markets are born on pessimism, grown on skepticism, mature on optimism, and die on euphoria." This nugget of wisdom continues to be measure for which market cycles are evaluated by many...

One of my dear clients came in for her review earlier this week. We started the meeting off as we usually do, addressing any questions the client may have. The question she asked kind of caught me off guard. She said, “Marc, what can you tell me...

I’ve been following the Republican effort to reform the tax code being led by President Trump. As this plan has coagulated through the negotiation process it's morphed quite a bit from my original expectations. At this point, much of my hopes for...

As an experienced investor, I have to admit I suffer from a bit of seasonal superstition. While I know that over the long term, there is very little data to validate some of these seasonal pre-dispositions sometimes bias does not bend to logic, and...

Well the wedding was wonderful and the bride was beautiful. Off she, now they, flew to the only part of the Caribbean not devastated by hurricanes this year, and it was over. All of us left behind breathed, I think for the first time in months, as we...

In 2014, the Federal Government passed the Achieving a Better Life Experience Act (ABLE). This new law was actually an extension of the 529 college savings laws. It allowed money to be held for a disabled child’s use without adversely affecting...

It’s been nearly eight years since my youngest son Ethan was born with Down Syndrome. Ethan, or “E” as I call him, has become my adventuring partner and the apple of my eye. His coming into our family has opened many new doors in my life. One...

For parents of high school seniors college plans are beginning to firm up around this time of year. Financial packages offered by universities are typically released in the March time frame and the reality of financing a college education will soon...