Marc Ruiz

It’s been 44 years since my alma mater, Purdue University, made it to the Final Four of the NCAA Men’s Basketball Tournament. So long, that I, of course, have no recollection. I do have recollection of many years of heart ache during March Madness, as …

I had another topic in mind for today, but the start of this week has been so disturbing that I had to change gears. Last week was spring break in our family and we took a long-planned trip to the Caribbean (out of the country) with a couple other families …

At the start of 2024 I had concerns about a couple of upcoming issues expected to unfold throughout the year. To name a few, items such as movement in interest rates, the unfolding of the pre-election cycle and the election itself were all occupying parts of …

In the world of tax preferred savings plans the Health Savings Account is the crème de le crème. These accounts, commonly referred to by the acronym HSA, are the only accounts under IRS rules that allow tax deductible contributions, tax deferred growth or …

In the world of tax preferred savings plans the Health Savings Account is the crème de le crème. These accounts, commonly referred to by the acronym HSA, are the only accounts under IRS rules that allow tax deductible contributions, tax deferred growth or …

Between the new parents (my oldest daughter), the newlyweds (my second daughter), the college kid (my son Sam), his girlfriend and roommates, the Spanish exchange daughter thrown in just for the enjoyment of it, and the young adult kids of the couples we …

With the start of the new year, a number of notable changes are occurring in the realm of financial planning rules. Most of the rule changes are the result of the Secure Act 2.0 phasing in, but some are the result of the higher inflation experienced over the …

There are parts of the world of financial markets and the banking system that are both vital and at the same time opaque. Unlike the stock market that gets all the attention, with 24/7 coverage and constant punditry, these other corners of market activity …

We’ve all had those parenting fail moments, when our stern warnings turn to threats, and then our threats turn to more creative threats and then, nothing, as the kid gets away with it (for awhile anyway). My best frame of reference is in church when my son …

The world is always ending. Especially if you use gold company commercials and Tik Tok influencers as your primary source of financial advice. Sure, bad stuff does happen, and we’ve all been through a lot over the past couple decades. From 9/11 to the …