Meet Your Partner

Hi, I’m Carlos.

I didn’t grow up around wealth. I was raised by my great-grandmother—wise beyond her years, though she never learned to read or write. We lived on her Social Security check, and yet we made it work. She taught me that true wealth isn’t about chasing more—it’s about using what you have to build freedom, stability, and impact. That wisdom shapes everything I do at Pivot, and in life.

Today, I help first-generation wealth builders—those who bootstrapped a business, worked their way into medicine, law, tech, or leadership, or transitioned from military service to civilian success.

After years in the financial planning industry, I realized most firms offered generic advice—not real guidance for people like us. The ones who made it, but can’t afford to get it wrong. That’s why I started Pivot Wealth Advisors: to provide clear, tax-smart, values-driven advice that fits real life.

I bring both strategy and empathy to the table. My process is built to simplify, not overwhelm—helping you reduce taxes, organize your finances, and make confident, long-term decisions with peace and purpose.

You’ve already climbed farther than anyone expected. Now it’s time to build wealth that reflects the life you’ve worked so hard to create.

I’d be honored to walk with you.

Carlos Ruiz, CFP®
Founder & Principal Advisor