Financial Services
At RuizIncorp, we don’t believe in one-size-fits-all financial plans. Our customized three-part strategy is designed to protect what matters today while building lasting financial strength for the future.
Term Life Insurance / Mortgage Protection
Affordable coverage that helps your loved ones pay off the mortgage and stay in the home if something happens to you—when financial security matters most.
Permanent Life Insurance / Legacy Planning
Lifelong coverage with guaranteed benefits, offering long-term protection and peace of mind.
Investments / Mutual Funds or Annuities
Roth and Traditional IRAs provide powerful vehicles for long-term, tax-efficient growth. Depending on your goals and risk tolerance, your retirement strategy can include Mutual Funds for market-based growth or Annuities for guaranteed income and protection. Annuities can be used inside or outside of IRAs depending on contribution limits, rollover eligibility, and income planning needs.
Why Use All Three?
Together, these strategies work to create a solid financial foundation—balancing protection, growth, and long-term planning. They help you stay prepared today, grow with intention, and retire with confidence no matter what stage of you life you start and no matter what happens.
